Short Term Care

person in white long sleeve shirt holding white textile

Short-Term Care Insurance – Bridging the Gap in Your Healthcare Coverage

Protect Your Health and Finances with a Customized Short-Term Care Insurance Policy


At Insure Pacific, we understand that life can be unpredictable, and sometimes you may need assistance with healthcare expenses during a transitional period. Short-term care insurance is designed to provide coverage for temporary medical and care needs, ensuring that you have the financial support necessary to manage unexpected health events.

Why Choose Short-Term Care Insurance?

  1. Fill Coverage Gaps: Short-term care insurance is an ideal solution for individuals who need coverage for a limited time, such as during waiting periods for Medicare or long-term care insurance benefits to begin. This type of policy helps bridge the gap in coverage, ensuring you have access to necessary care without incurring significant out-of-pocket expenses.
  2. Flexible Policy Terms: Unlike long-term care insurance, short-term care policies offer more flexibility in terms of coverage duration. You can choose a policy term that best suits your needs, with options typically ranging from a few months up to a year. This flexibility allows you to tailor your coverage to your specific circumstances.
  3. Affordability: Short-term care insurance policies are often more affordable than long-term care insurance, making them an attractive option for those looking for temporary coverage. With lower premiums and customizable policy terms, short-term care insurance can be an ideal solution for those on a budget.
  4. Comprehensive Coverage: Short-term care insurance policies provide coverage for a wide range of care services, including home health care, assisted living facilities, nursing homes, and adult day care. This comprehensive coverage ensures that you have access to the care you need during your transitional period.

Short-Term Care Insurance Coverage Options:

Short-term care insurance policies offer a variety of coverage options to meet your specific needs, including:

  1. Daily Benefit Amount: You can choose the daily benefit amount that best aligns with your anticipated care expenses. This amount represents the maximum daily payout your policy will provide for covered care services.
  2. Benefit Duration: Policyholders can select the duration of their short-term care insurance coverage, with options typically ranging from a few months up to a year. This flexibility allows you to choose a policy term that matches your expected needs.
  3. Elimination Period: The elimination period is the waiting time between the start of your care needs and when your policy begins to pay benefits. You can choose the length of the elimination period based on your preferences and financial situation, with options typically ranging from zero to 90 days.
  4. Optional Riders: Some short-term care insurance policies offer optional riders or additional coverage options that can be added to your policy. These riders can provide added protection, such as inflation protection or coverage for specific care services not included in the base policy.

Our experienced team at Insure Pacific is here to help you navigate the process of selecting and customizing a short-term care insurance policy that meets your unique needs. We are committed to providing exceptional service and guidance as you make important decisions about your healthcare coverage.

Short Term Care Quote Request


Do you currently have insurance?

Do you currently have insurance?(Required)

Get Started With Insure Pacific Agency

Our team is one click or call away from helping you, your family, or your business with an insurance experience you'll actually enjoy.