Start with medical benefit design
Compare policy maximum, deductible, cost-sharing rules, provider access and how claims are paid.
Trip duration and eligibility
Check residence, age, arrival date, coverage start and maximum duration rules.
Pre-existing conditions
Definitions and any limited benefits can vary widely. Read the certificate carefully rather than relying on a marketing label.
Evacuation and repatriation
Check how emergency transport and return-of-remains benefits work and whether assistance must coordinate them.