• 13
  Oct
  2009

• Some Nuts and Bolts of International Student Insurance

  
  Filed Under: Blogging
  Author: Blog Writer
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International student health insurance plans come in many flavors. Usually, college-sponsored international student insurance USA plans pay for emergencies, and are bare bones in terms of coverage. If, as a student, you want more coverage, you can sign up for one of many plans available online.

Remember to read the fine print of the student health insurance plans you are considering. If your graduation plans are fluid, check the policy on early termination of the policy and the associated refund.

Once you are set with an insurance plan, the important thing is to know what to do when something goes wrong with your health. When you fall ill, you may want immediate attention, and make a quick trip to the emergency room. Resist the temptation to visit the ER unless it is an emergency.

If you do visit the ER, remember to check that your visit is covered, and also to pre-notify the insurance company. If your complaint does not meet the specified parameters, your international student health insurance plan may not cover your ER visit, and you will be stuck with a huge bill. A reliable first medical care point is always your college health service provider—that is, the doctor’s office on campus.

• 12
  Oct
  2009

• Have Plans, Will Travel: Survey Gives Positive News

  
  Filed Under: Blogging
  Author: Blog Writer
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A recent survey conducted by Ipsos Public Affairs has found that despite the economy and concerns about the H1N1 virus, more than 60% of Americans say they will take a holiday trip this year. Unfortunately, many of those surveyed, especially in the 18-35 demographic, might consider international travel health insurance as unnecessary.

The survey, however, throws up some good news. About 58% of people surveyed said they will not change their holiday plans because of the economy. The survey also indicates that those who will change their plans because of the economy will still be taking a trip, which means that they will probably just downscale a bit.

It is important for people not to forget travel insurance if traveling abroad. While it might seem like a luxury, it really is not. If you fall ill when abroad, it will burn a huge hole in your pocket. International flight insurance will cost a bit extra and it might be worthwhile to buy the two together.

As with any insurance, international travel health insurance can be bought at great deals online. Compare prices and read the fine print about coverage before deciding on a plan.And remember to enjoy your holiday!

• 09
  Oct
  2009

• Travel Blues: Special Features of Yacht Crew Insurance

  
  Filed Under: Blogging
  Author: Blog Writer
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A typical international travel insurance plan may not meet the needs of a person who travels for specific needs—for example, missionary work, or as part of marine crew. Missionary insurance and yacht crew insurance will serve the purposes of these special types of travelers.

Yacht crew insurance and marine crew insurance plans such as Global Navigator contain special caveats and benefits, including 100% insurance payment outside the United States, 80% in network in the United States, and 60% outside the network within the United States.

Yacht crew insurance usually requires medical approval, and the minimum plan period is usually six months. While regular international travel insurance usually does not cover medical expenses related to mental, emotional, or functional nervous disorders, yacht crew insurance covers some or all of these situations, up to a maximum of 100%. Treatment related to alcohol or drug abuse is also covered.

Some yacht crew insurance plans cover maternity, after one year of continuous coverage. It is important to compare prices and benefits before choosing a marine crew insurance plan that suits your particular needs.

• 08
  Oct
  2009

• Travel Insurance in the Time of Recession

  
  Filed Under: Blogging
  Author: Blog Writer
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The economy seems to be on its way to revival, but the signs of recession are still quite visible. One of the most obvious signs is the decrease in travel worldwide. Needless to say, there has also been a negative trend in international travel health insurance .

However, eliminating international travel health insurance can be the single most disastrous decision of your trip, and you will kick yourself for not purchasing insurance if something does go wrong. International travel does not have to be expensive.

Insurance for international travel typically costs between 7% to 8% of the cost of the trip, and there are several ways to save that money on your trip. Travel on a non-peak day—flight tickets are much cheaper, and can save you up to 10% of the ticket cost. For accommodation, try Couchsurfing, a concept where locals provide a couch in their home for free. Purchasing a flight, hotel, and rental car package can also save you some dough. For gifts, buy souvenirs that are unique to you, not necessarily bestsellers of the place.

So, you see, there is really no reason to skip that international travel insurance! You might even save some money in the bargain.