zInternationalInsurance Blog
Thursday, September 09, 2010
- 06
Jan
2010 -
Insurance for the Kid Napping in You!
Filed Under: Blogging
Author: Blog Writer
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Kidnap and ransom coverage is usually offered as an optional rider to regular international travel health insurance. Plans such as International Major Medical Plan offer coverage within the United States as well. If you’re traveling to countries with a high rate of kidnap, such as Columbia or Peru, the coverage is worth considering.
Under this coverage, the underwriters reimburse expenses that are incurred as part of a kidnapping event. Usually, coverage also extends to crisis response team fees. Crisis response teams assess the kidnap and/or ransom situation and advise the family according to the assessment.
You will require kidnap and ransom coverage if you are perceived to be wealthy or powerful. It is not necessary for you to be actually wealthy to benefit from the coverage—kidnappers work more on perceptions than reality. Remember that most kidnappings have ransom as the primary motive, and in most cases, the ransom is paid.
- 05
Jan
2010 -
2010 Travel Hotspots: Purchasing Insurance Will Be Cool!
Filed Under: Blogging
Author: Blog Writer
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This year’s international travel hotspots include many countries that have been associated with strife and war last year—so if you find yourself visiting any of them, you’d better carry adequate international travel health insurance. Trends indicate that among popular international destinations this year are Sri Lanka and Iraq.
But all destinations are not about war and guns—Turkey, for instance, will see a huge surge in tourist travel, because of its capital being christened one of the European Cities of Culture this year. Also, South Africa, simply because of the forthcoming FIFA Soccer World Cup to be held there, will see a huge influx of tourists as well.
When traveling abroad, especially in countries where war has been a way of life, it is best to check often whether the U.S. government has issued warning or alerts against travel to the country. If your bookings are non-refundable, it is best to also purchase trip cancellation insurance with “Cancel for Any Reason” coverage.
It is also a good idea to check what the ground reality is, by asking some friends or immigrants who are originally from that country. Take that opinion with a pinch of salt, though, because locals might always have a different perspective of “safe” than an outsider. Bon voyage!
- 04
Jan
2010 -
Springing into a Healthy Semester with Insurance
Filed Under: Blogging
Author: Blog Writer
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This new year, 2010, is touted as the beginning of the reversal of fortunes, with the economy starting to look up greatly. For international students, this year could well be the turning point—so it's important to stay healthy with international student insurance.
Now that the spring semester has begun, you should know where you stand in terms of academics. If you are entering your second semester of studies, it is the time you can pull up your socks, and get over your initial feeling of homesickness to excel at studies.
If you are entering your third or fifth semesters, it is also a time for deciding about your future, and training your sights on your future plans—be it entering into a doctoral program, or getting that coveted job, with a work permit. While winter is at its peak, it is also the time that you must be careful about your health, and ensure that your international student health insurance remains unused.
If you do fall sick, remember to use your health insurance when you receive treatment. Also, winter can be a trying time in terms of mental health, and keep in mind that your student health plan usually covers mental health as well.
