Meridian international health and travel insurance is amazing international medical protection. This is a series of plans that provide two levels of coverage. The Meridian Basic is the economy plan, and the Meridian Enhanced is the high end plan. Although, despite the difference in the benefits, the plans work exactly how they are designed to. Let us tell you more about who these plans are best for, and why they work great!
Both plans: Both the Meridian Basic and the Meridian Enhanced are best for individuals and families residing or traveling abroad for a long term. Many of the people who secure this international health and travel insurance are workers, volunteers, and missionaries that work with businesses, NGOs, Nonprofits, Humanitarian and faith-based organizations. These plans are designed to provide coverage wherever you travel in the world. You also have the option to either include coverage in the U.S. and Canada or exclude coverage in the U.S. and Canada. If there is no potential that you will travel to the U.S. or Canada for any reason, we can recommend excluding coverage in those countries. Premiums will be lower when coverage is limited to being outside the U.S. and Canada. If you include coverage in the U.S. and Canada, you are limited to being outside the U.S. for at least six months per policy year. Regarding renewal, one important point is regarding your location at renewal. If you are in the U.S. at your renewal time, after the first 12 months, you must leave the U.S. within 30 days of your renewal date. Aside from this, you must be outside the U.S. for at least six months of the next 12 months.
Both plans will provide coverage for hospitalizations, new injuries, new illnesses, medical evacuation, return of mortal remains and more. Let’s go more into the details about the great coverage on each plan!
International medical evacuation insurance: International medical evacuation insurance is an essential coverage to have. A medical evacuation is required when there is a medical condition that needs immediate treatment, but that treatment cannot be provided locally. The insurance company will have to be notified so that they can actually arrange and pay for the medical evacuation. Otherwise, if the company isn’t involved in the evacuation, you would have to take the process and expenses on your own. Medical evacuation is important because even in the case that there is a great hospital in your area: they aren’t able to treat a certain medical condition that has occurred and needs immediate attention. In this case, a medical evacuation to the nearest adequate medical facility is required. Medical evacuations can cost up to and well over $30,000, it just depends on the situation.
On the Meridian Basic health insurance overseas, medical evacuation is covered to a limit of $50,000. On the Meridian Enhanced international medical insurance, coverage is limited to $110,000.
Maternity coverage: Both plans have maternity coverage, but you cannot be pregnant prior to the start of the policy. Maternity is very important to consider if you may have children in the future. On the Basic plan, maternity is a rider that you can add or remove at any renewal. It is one of the most popular plans for maternity because you can get pregnant in the first year of coverage and have the maternity rider as well. Many other plans have a 12 month waiting period. The Basic is very flexible with maternity coverage, and is limited to $10,000 per policy period. Newborn care is included with maternity for the first 31 days following birth. The Meridian Enhanced plan has a 12 month waiting period, but maternity is included in the policy. There is a $5,000 additional deductible with a limit of $100,000. Newborn care is covered for the first 60 days following birth.
Meridian Basic: The Meridian Basic is economy health insurance overseas, which still provides coverage worldwide at your choice. However due to the limitations on some benefits, this may not be a suitable plan if you reside in a country with high medical costs such as the U.S.A. After 12 months of continuous coverage, there is a wellness benefit for adults and for children, which is otherwise known as preventative care. For pre-existing conditions, there is a 24 month waiting period for coverage if they aren’t excluded during underwriting. After, there is up to $10,000 of coverage per period.
Meridian Enhanced: The Meridian Enhanced is an excellent plan for nearly all international travelers and expatriates, regardless of where they are in the world! The benefits are significantly increased from the Basic plan. Wellness for adults is included after 12 months, and wellness for children is available after 10 months. Pre-existing conditions, if not excluded during the application, are covered as any other illness after 12 months.
Overall both are effective plans for your protection. Depending on your situation, one may work out to be the best option for you and your family!
Good Neighbor Insurance provides international travel insurance to those traveling outside their country of resident/country of citizenship. Call one of our professional international travel insurance agents at 866-636-9100 or you may email us at firstname.lastname@example.org. Have an amazing and safe travels!