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Short Term Medical Insurance

Written by Kathleen Gagne
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There are dozens of reasons why people occasionally need short term medical insurance. For example, married students may not remain on their parent's insurance plans. Sometimes, when you're between jobs, you may need temporary coverage. You may also want to ensure that you have medical coverage when traveling abroad.

You can get the short term insurance you need on the Internet. Many companies offer this option for terms starting at 30 days and running up to approximately one year, and some policies are renewable. You can get very specific coverage such as insurance that will provide for medically necessary evacuation if you are ill or injured abroad. Family or individual short term coverage is available.

Short Term Medical Insurance Basics

Depending on the length of time you need the coverage, you can pay for the entire term in one lump sum, or you can elect monthly payments, either electronic or with a payment coupon book. Your rates will be competitive because there are several companies offering this type of insurance. Below are some of the questions you should ask before you decide on a specific plan.

For example, you will want to know if there are plan options that allow you to have comprehensive coverage with the flexibility you need. You should talk to each company's customer service department to find out how available they are and whether they are eager to address your concerns. This can be especially critical if you're going overseas. Look for a Frequently Asked Questions page on the website. If you have other questions, be sure to ask them before you purchase the plan.


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