• International Insurance Blog

  • Friday, February 03, 2012

International health insurance makes for a wise investment for anyone traveling or living overseas. However, to make sure you get the maximum value from your plan, it is important that you carefully read its details.

While these types of insurance policies may be much more flexible than the coverage options you are familiar with in your domestic experience, they are not without limitations and exclusions. You need to be aware of what these are so you do not expect to have a procedure covered only to find out it is not.

For example preexisting conditions will not be covered by most policies. Neither will many types of preventative care. This could include anything from prescriptions to exams, so you will want to make sure you understand what is and what is not covered, because something that you consider a regular part of your wellness schedule may not be applicable.

Generally, anything considered not absolutely necessary will lead to a rejected claim. This could include vision exams, birth control pills, and cosmetic procedures to name a few. But do not just assume that something is not covered. Not every policy has the same coverage rules, so you may find something that will insure the issue you need help with. Or you may find a company that offers some sort of supplemental plan. But unless you read your international medical insurance plan and consult with your insurance rep, you will never know.
Planning a vacation but concerned about the rising cost of airfare? You are not alone. Every traveler wants to find a way to save money in today's economic climate. If you are a budget-conscious traveler, one of the best things you can do to save money is make a small investment in international travel insurance.

Airlines continue to tighten their flight schedules, meaning there are less seats available to consumers. However, consumer demand for seating continues to increase, which allows airlines to charge more for a ticket than they did just a couple of years ago. So it can be difficult to find a good deal on airfare.

Additionally, with weather and safety concerns, as well as personal and professional issues, it seems more and more travelers find themselves needing to cancel flights. Most airlines are none-too-forgiving when it comes to cancellations, so if you cancel you could wind up losing all the money you had invested in your travel bookings.International travel insurance protects this investment and allows you to recoup your losses - even on nonrefundable flights!

So while you may not be able to find the savings you're looking for when buying your tickets, you can save a lot of money by protecting your airfare investment. Things go wrong more often than you might imagine, from missed connections to last minute personal dilemmas. Don't let an unforeseen incident cost you a small fortune, especially when you are watching your budget closely.
Nothing ruins an overseas vacation as fast as getting ill. Whether it cuts your trip short or simply leaves you feeling miserable during it, being sick on vacation is something you want to avoid at all costs. International medical insurance presents a great opportunity to make sure that when illness strikes, it doesn't ruin your overseas trip.

You can take many precautions to try and avoid illness, such as updating your immunizations and getting plenty of rest on your international flight. But even with those efforts, you could still fall victim to food poisoning, airborne viruses, and other illnesses.

If you are on a domestic vacation, you may be inclined to simply go back home to get better. But if you have invested in an international trip, you are less likely to be willing to forego your investment. However, getting treatment from a doctor in a strange country may be intimidating enough to prevent you from going.

International medical insurance makes it easy to address your illness right away so you can enjoy the rest of your vacation. It offers you affordable care from great medical professionals around the globe, and it can alos help you locate a skilled doctor that you will be comfortable with. So you can attend to your illness and get back to enjoying your overseas stay!
Casual and Passionate soccer fans alike look forward to the World Cup every four years. The event is not only a showcase of great soccer, but also an exciting cultural event. However, this year's location in South Africa is drawing concern already from fans and journalists. If you are visiting the World Cup at any point over the next few weeks, be sure to come prepared with international travel insurance.

While the host city of Johannesburg compares favorably with some of the world's most renowned cities, many of the surrounding areas are dangerous. And while there are certain measures you can take to avoid dangerous areas, even the most seasoned travelers can get lost.

In additional to the potential of injury from area criminals, overzealous fans can also cause injuries, as seen over this past weekend. A free preliminary match resulted in a stampede that injured several people. Imagine being caught in a situation like that and NOT having access to quality health care at an affordable price.

Hopefully nothing happens during your trip to this great event, but you'll want to be adequately prepared just in case. Having fast and easy access to great doctors, and keeping charges for care to a minimum are two priorities in this scenario. International travel insurance will help you in both of these areas, and it does so at an affordable price.

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International Medical Insurance - Short Term
International Health Insurance - Long Term
Trip Cancellation Insurance

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