How To Get Cheap International Dental Plans

Of the roughly 55 percent of Americans who have dental insurance, most get their coverage through their employers In that case, you may get a separate dental plan, a health insurance package with dental coverage, or the ability to choose your options a la carte. If you are investigating international dental plans, however, you are most likely looking on your own.

International dental plans are meant to cover any dental work or dental repair you need while you're on vacation or traveling abroad for any reason. While international dental plans can be pricey, they can be worth everything you paid and more if you end having tooth trouble in Manila, thousands of miles away from your regular dentist. If you travel frequently and have had a history of dental problems, this is something that you will want to look into, but the costs at first glance can be quite prohibitive.

One way to keep your international dental insurance premiums low is to make sure that you are a good candidate for their coverage. Keep in mind that insurance companies are specifically for-profit, and if you can show them that you are a low risk investment, than you will be much better off. One thing that you should point out to them –only if it's true of course!- is if you are a non-smoker. Smoking leads to a great deal of tooth damage and decay that is otherwise avoidable and this is something that insurance companies know. Similarly, it is typically easier and cheaper for younger individuals with a clean dental record to get coverage than someone older who has a history of dental problems.

One thing to keep in mind as you're researching rates is that the overall time that will be required to go through a claim made regarding a foreign country. If the country is non-English speaking, you will need to translate the paperwork into English before your insurance agency will be able to process it. This is a concern to bring up with your insurer. Will you be responsible for the translation? Will you be able to get affordable dental insurance at all? Will they accept a translation that you do, assuming you are a native or fluent speaker of the language?

To keep your international dental insurance affordable, you may need to shop around a little. While, of course, you can get advice online –and should!- you may wish to consult with people who are familiar with world travel. In terms of convenience, you may wish to speak with your present insurers and see if they can add something to your present policy. It will be especially be in your best interest if you can find a company with underwriters who are familiar with international insurance issues.

Have a great time traveling the world, but don't forget your toothbrush!

 

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