• International Insurance Blog

  • Thursday, September 21, 2017

Impulsiveness and romance do go hand-in-hand, but a dose of practical advice for the love-struck planning an exotic Valentine’s Day getaway: Don’t forget international travel insurance for the two of you! While it is not possible to insure against shocks and breaks to your heart, you can well ensure that your special overseas trip is as secure as can be.

International travel medical insurance covers against most unplanned medical illnesses and accidents. This means that if your beloved is down with the flu, you can seek immediate medical help and salvage the rest of your vacation, instead of waiting to get back home.

In case you are involved in an accident, the insurance will also cover you for any treatment that is given to you. In the worst case (although you certainly don’t want to think about it), the insurance plan also pays for your emergency evacuation to the nearest hospital that can treat your condition.

It is, anyway, better to be healthy than sick. Following simple cleanliness and common sense will help keep illnesses at bay. Also remember that the special treat is for the two of you, and the last thing you should worry about is medical care or the costs associated with it!


Marine crew insurance can help protect a mariner under dire conditions, and helps restore good health during rocky times. Mariners manage several perils during their voyages, and a voyage on a ship is no walk in the park.

These days, with pirates wreaking havoc off the coast of Somalia, it is but natural that cargo companies and crew are extra wary about their safety and that of the cargo. Marine crew insurance becomes even more valuable at such a time. Shippers now have to also deal with increased insurance premiums if the ship must travel through the Gulf of Aden.

In this scenario, every crew member must check their insurance policy for the fine print to verify that they have adequate insurance coverage. Shippers usually also purchase ransom insurance, which is not part of the marine crew insurance plan. If necessary, ask your employer about the safety measures and other insurance that would affect you.

Typical marine crew insurance covers health, emergency evacuation, and repatriation of remains, almost anywhere in the world. While the incidence of piracy around the Gulf of Aden has shocked many, it is ironic that insurance, which began as a safety net against pirates of days gone by, is still required for the same purpose!


When Jules Verne wrote his classic “Around the World in Eighty Days,” international travel wasn’t all that popular, nor was international travel insurance. Clearly, Phileas Fogg and his valet Passepartout did not have to deal with the multitude of plans and benefits available. But then, medical care was not as expensive as it is today.

While Verne’s book was supposed to be a science fiction novel, it is now possible to travel around the world in less than tenth that time! While Mankind has undoubtedly advanced in many areas, more and more dangers lurk around every corner of the world. Attacks on aid workers have increased dramatically over the last decade, and acts of terrorism routinely find a place on news bulletins.

The need for international travel insurance has only increased. Typical benefits offered by travel insurance plans include care for unplanned medical care, accidental death and dismemberment, emergency evacuation, and repatriation of remains. While it may sound pessimistic to think about what might go wrong even before the trip, it only makes common sense.

Depending on the kind of travel and accommodation you are planning, it may be a good idea to also purchase trip cancellation insurance. Else, any event that cancels your trip may end up in the loss of a lot of money for you. And remember, after Fogg’s round-the-world trip, he won 20,000 British pounds—you don’t want to owe $20,000 in medical expenses!


This year, your international travel insurance may extend to any country, but if you’re visiting the United States, beware of vampires! No, Americans have not been subjected to mass mutation, but the top U.S. holiday spot could well be Forks, in the state of Washington, where the Twilight movie was filmed.

And it’s not just the bloodsuckers that are poised to drive tourists, it is also the culinary delights of Jamie Oliver. Many stops on Oliver’s food show "The American Road Trip" are now major tourist attractions in their own right!

Tourists following a food trail must especially be careful about their health. Yes, it may seem wimpish to drink bottled water, when the idea of local cuisine calls for loosening all inhibitions. But remember that if you’re traveling in a strange land, you are already more susceptible to infections and illnesses.

Add to that the variety of gastronomic delights that you are exposed to, and you have a sure-fire recipe for illness, unless you are careful. Always check the ingredients of what you are about to eat, especially if you have any known food allergies. Also remember to carry your international travel health insurance card with you at all times. Bon appetite—be it blood or bread you’re after!


Around the world, international students have benefited greatly from international student insurance. Whether a study abroad student from the United States, or an international student studying in the United States, insurance will help students protect themselves during one of the most financially unstable periods of their lives.

The recent spate of attacks in Australia have turned the heads of many—especially since the attacks seem targeted against students, for the most part. While U.S. universities are known for their diversity and attacks are less common, it is nonetheless in the best interest of every student to protect himself/herself against crime.

Often, international students are unable to afford university housing. University housing is often expensive, and sometimes unavailable to graduate students. Housing around the campus then becomes the obvious choice. However, this poses a problem for universities and colleges in cities where the crime rate is high.

To safeguard against attacks, student must avoid traveling alone at night. Female students must be extra careful. Having pepper spray on person at all times is a good idea. However, students must check the legality of the pepper spray in their own state. If, by chance, the student is a victim of mugging, it is best to not be a hero—it is better to let go of possessions rather than try and fight the attackers.



With the global village being a real concept now, appropriate expatriate and international health insurance are of paramount importance. When you move to another country for work or leisure, you must ensure that you are adequately covered in your new home.

There are several plans that cater to the expatriate market, and HTH Worldwide’s Global Citizen Plans offer just that. There are two plans that the company offers: Global Citizen and Global Citizen EXP. Global Citizen offers coverage within the United States and abroad, and Global Citizen EXP offers coverage only abroad.

Both plans offer a range of deductibles—from $0 to $25,000. While both the plans offer a 100% benefit outside the United States, the Global Citizen plan offers an 80% coverage up to a predetermined minimum, and then offers 100% coverage.

Some of the benefits of the plan include physician office visits, immunization, and one routine physical exam per year. The plans also offer benefits for other inpatient and outpatient care. Prescription drugs, examinations, and ambulance services are also covered. Emergency medical evacuation and repatriation of remains are also offered as benefits. Global Citizen plans truly allow you to enjoy your life as an expat, without a care in the world!

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