Local health insurance can be cheaper, but it often only covers treatment within one country. If you travel often or want the freedom to seek care elsewhere, an international policy is usually the better choice.
Even some international plans have regional restrictions. Make sure your policy includes coverage for all the countries you may visit or return to—especially your home country.
Some plans impose waiting periods for services like maternity care or dental work. Others set deductibles, meaning you’ll pay a portion of the costs yourself. Understand these details before signing anything.
24/7 emergency assistance can be a game-changer when you're abroad—especially in countries where you don’t speak the language or know how the healthcare system works. Check if your insurer offers multilingual, round-the-clock help.
Some plans, particularly those with high coverage caps and global reach, can be costly. Be realistic about what you can spend and weigh it against the level of protection you need.
Looking for a health insurance provider that understands life abroad? Pacific Cross offers flexible international health insurance options for individuals, families, and long-term travellers. With a wide network of private facilities and plans that grow with your needs, you can focus on your time overseas—while we focus on your health.
Good insurance doesn’t stop at treatment—it also ensures a smooth experience after. Look for a provider with a straightforward claims process and a good reputation for timely reimbursements.
This refers to the maximum amount your insurer will pay out over the year. Make sure it’s high enough to cover both everyday care and potential emergencies.
Choosing international health insurance isn’t just about ticking a box—it’s about making sure you and your loved ones are protected in unfamiliar territory. The right plan brings peace of mind, no matter where life takes you.
Take your time, ask the right questions, and look closely at your lifestyle and health needs. Whether you're away for a few months or relocating long-term, Pacific Cross is here to support your health and simplify your coverage—wherever your journey leads.
