The best travel health insurance for international adoption and for covering adopted children
Not sure which international health insurance plan is best for international adoption? Scroll down to see a quick summary of each plan.
Our recommended plan
GeoBlue Voyager Choice and Essential Single Trip Travel Insurance
A great plan for U.S. travelers – single trip travel insurance with pre existing medical conditions
- U.S. travelers looking for some of the best travel insurance that covers pre existing conditions
- People up to age 74 (or 84 on Choice)
- Those with pre-existing conditions
- Those going to “high-risk” countries, including Israel
Our recommended plan
Outreach International Travel Insurance
One of the most affordable travel insurance plans ANYWHERE
- Most affordable option for volunteers, charitable travel, missions,…
- Great benefits for a good price
- People wanting coverage for 12 months or more without going through underwriting
- Available to travelers up to age 65 from almost any country
- Includes coverage for COVID-19
Scroll down to see all plans below
The U.S. State Department advises ALL U.S. Citizens to check their domestic health insurance and purchase good supplemental international travel health insurance before traveling overseas.
Some countries require adoptive parents to remain “in-country” (a period of residence) between the time they appear before a judge to initiate the adoptive process and while waiting upon USCIS to complete their process . They are required to issue paperwork before returning home with their newly adopted children. In these cases, you may find it necessary to spend an extended period in the foreign country awaiting the completion of the foreign adoption. Both of the above emergency medical plans are also great plans for extended periods of time overseas, from a few days up to half a year abroad. They can be extended if necessary.
For either plan above, it is important for the adoptive child to travel under their new name, with new travel documents, as a U.S. citizen.
Again, we would like to emphasize that these international health insurance adoption plans are inexpensive travel insurance plans (for new medical conditions, unforeseen accidents and emergencies). They are not designed to pay for medical conditions your child may already have or be getting treatment for. This is especially important for new parents of adoptive children to understand, since children adopted internationally often have preexisting conditions needing care. We understand. These plans do feature excellent medical coverage for evacuation, political evacuation and all other travel. They provide medical benefits for the remainder of your time overseas until arriving safely home.
For children on prescription medicine prior to adoption, we recommend purchasing a supply of medicine (prior to leaving their country of origin) that will continue until your child is covered under your domestic health insurance plan. The local embassy should also be able to help advise you on medication allowed into the USA. You can speak with them when you visit them regarding your international adoption papers and to apply for/pick up your child’s immigrant visa at the U.S. Embassy.
What if you live overseas? Will an adopted child be accepted on your insurance plan?
Here is information about a couple of international health insurance adoption plans you may want to consider if you plan on adopting while living abroad:
– GeoBlue Navigator and Xplorer: If your adopted child is added to your coverage within 31 days of adoption, all children are automatically accepted.
– The GMMI Plan: You must submit an application for a new child and the application will go through underwriting. A child could be declined or medical conditions could be excluded.
– Meridian Essential and Enhanced: You must submit an application for a new child and the application will go through underwriting. A child could be declined or medical conditions could be excluded.
(If you are not already on an international health insurance plan, or if your renewal is coming up, AND you are thinking you may adopt a special needs child, we recommend one of the GeoBlue plans. You GeoBlue plan must be in place before the adoption process begins or your application will be declined.)
Resources and Help
Additional Resources for those adopting internationally or considering an inter-country adoption
Note: These are travel medicalinsurance plans with rich emergency medical protection. However, they are designed to protect against new medical conditions or emergencies. They are not for preexisting medical conditions, or those children are, or should be, receiving treatment for.
“What’s the difference between trip cancellation and this travel medical insurance?” Call us for additional helpful advice at 480-813-9100.
Good service, Good rates, Good choice….We are happy to help protect thousands of families (just like yours) each year.
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!