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