• International Insurance Blog

  • Saturday, March 17, 2018

University students across the U.S. are counting down the days until spring break arrives. A few days off gives them the chance to recharge their batteries during a difficult semester, and for many students it also means the chance to get away on an exciting vacation. If you are planning to leave the country for your spring break, be sure that you purchase a travel insurance policy.

Whether you're heading away for simple relaxation, to visit family, or to do volunteer work overseas (as many more students are choosing to do these days), your plans can often be derailed by accidents, injuries, and illness. And getting sick or hurt in another country may not just ruin your spring break, it can be a long term financial burden if you are not insured.

Without insurance, the hospital visit you make in another country could wind up costing you hundreds or even thousands of dollars, depending on what sort of treatment you need. Even something as simple as food poisoning can prove to be a costly problem if you're uninsured. But with travel insurance, your health care expenses will be covered and you will only have to pay for a fraction of your visit and prescription out of pocket.

Don't let a spring break mishap ruin your adventure. Protect yourself with a travel insurance policy and you will be able to stay focused on the rest and relaxation you need during your time away from school.
As Lufthansa pilots threaten a four day strike, many travelers could be left without flights they've already pad for. While this particular problem of striking pilots is indeed a rare one, it does underscore the fact that travel - especially international travel - is incredibly unpredictable. And because of this, it's always a good idea to purchase trip cancellation insurance.

Lufthansa is the world's second largest carrier, serving 80 countries and transporting over 42 million passengers in 2009. So a strike would threaten international travelers across the globe. Imagine holding a ticket for a Lufthansa flight this week for an important business meeting or an expensive vacation. Would you feel comfortable holding on to the ticket and hoping the labor dispute was resolved?

With trip cancellation insurance, you may be able to cancel the flight, recoup most of your expenses, and re-book your flight on another airline that is not experiencing these types of problems. You can also use trip cancellation insurance to save on costs when cancelling your flights for a number of reasons including both business and personal.

As you well know, international flights are not cheap. And as the Lufthansa problems are showing, anything can and will happen when it comes to international travel. So to make certain you are prepared to protect both your financial investment and your travel plans, you should definitely consider buying trip cancellation insurance.
As Americans prepare for international travel, their to-do list will include making sure their passport and travel documentation is current, checking their hotel accommodations, planning either their business meetings or their leisure activities, and arranging for a rental car or some other form of ground transportation. But there's one other very important piece of preparation you don't want to forget: international medical insurance.

While you may never even think that a hospital stay could be in your future during your international travel, it's more likely than you think. For instance, injuries can occur while participating in recreational activities, through auto accidents, or other causes. Even a simple sprained ankle will require a doctor's visit, and without medical insurance that could be a very expensive event.

When you travel long distances, you're more susceptible to illness as well. Your body and immune system may be weakened from the fatigue of lengthy international flights. Add to that the fact you may be experiencing new environmental factors such as different altitude, increased pollution, or declining water quality, and there are many factors that could lead to you getting sick and needing to find a medical professional.

You may not plan on getting sick or injured while traveling internationally, but you can still prepare for it. And the best way to prepare to protect yourself is with international medical insurance. This will keep your costs down if a medical issue should arise during your trip, saving you lots of money in the long term.
In a report recently released by the U.S. federal government, airlines delivered passengers and their baggage to their destinations on time 79.5% of the time. This represents the highest on-time rate since 2003. Even with airlines improving their performance, it's always a good idea to plan ahead with trip cancellation insurance.

With trip cancellation insurance, your travel expenses can be recouped, often up to as much as 75%, if your plans are cancelled because of flight delays, missed connections, or business reasons. While 795.5% on time is an improvement over years past, that still leaves over 20% of flights experiencing delays. And if you happen to fall into that 20%, the expenses associated with missing a flight can be very high.

You can add trip cancellation insurance to your international travel insurance policy for just a fraction of your actual travel expenses. So if you do have to use it, think of all the money you'll save from such a small investment.

While the results of this study are encouraging, it's always a good idea to approach an international flight with a backup plan in the form of trip cancellation insurance. Even if you don't have to use it, it will be worth the purchase to have peace of mind; and if you do have to use it, you'll be pleased with the money you save.
In today's economy, cruises have become an increasingly popular vacation choice because of their all-inclusive nature. With a cruise, you get all the on-board activities that take place on the ship, you get to stop and explore some amazing ports of call, and your lodging and travel expenses between stops are covered within your cruise tickets. It's a great way to bundle the costs of all the elements of your vacation into one price. But one element that isn't included but is crucial for a safe and healthy cruising adventure is travel medical insurance.

What's that you say? You already have medical insurance through your employer? That's great when it comes to domestic needs. Did you realize it may very well not cover you when you're in international waters or docked in other countries? It's true. Many insurance plans, especially those with restrictive in and out of network policies, will not offer you coverage for accidents and illnesses that occur outside the borders of the country the plan was issued in.

So what does that mean? It means you are essentially uninsured on a cruise. So if you hurt yourself while rock-climbing at a port of call and have to visit a doctor in that country, you will need to pay full prices out of pocket. That can be very expensive, especially depending on the severity of your injury.

Travel medical insurance will protect you financially in this sort of event. It will cover the costs of medical coverage just as your current plan does in your native country. So you'll be assured of high-quality, affordable medical care. Remember when booking your trip their is one element that is not included in your great deal; health insurance.
For a business traveler, an international flight isn't just a part of their job, it's an investment in their professional future. As business has become more globalized and new opportunities open up in business channels throughout the world, it's more important than ever to stake your ground in countries before your competitors do. So a ticket to China for a business meeting is much more than part of another meeting; it's an investment in your chance to be the first company in your industry to establish relationships in this global power. And to properly protect this investment, you need travel insurance.

In addition to providing healthcare coverage, travel insurance also offers many options that help business travelers logistically. For instance, if your luggage becomes lost, travel insurance can offer location assistance as well as reimbursement for the expense of buying new luggage and the contents that were in it.

If you need to make additional travel and lodging arrangements upon arriving in your destination country (as there is always the chance you could have a booking cancelled or filed incorrectly), travel assistance offers concierge services that can help you find ground transportation and accommodations.

Or if your flight gets delayed or cancelled, travel insurance can provide help as well. And these are just a few of the incidents that travel insurance covers. If you're traveling internationally for an important business meeting, you don't want your plans derailed by a missed flight, lost luggage, or hotel double-booking. Travel insurance offers protection in the event that any of these problems arises.

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


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