You will just have to read the terms and conditions of the plan you are looking at. Some Insurance have long term waiting periods that may effect you. You may buy a Discount plan that is set up for one year term depending on who is selling it. I would advise on getting or looking for a discount plan that is monthly or one that you can cancel with a 30 day notice. I have listed a website for that. I hope that you only need a check up since you do not want to maintain any plan.