• International Insurance Blog

  • Friday, February 23, 2018

When you dream of a vacation on the beach, you should automatically factor in international medical insurance as well. Insurance will help protect you against unexpected healthcare costs. If traveling with family and children, this becomes all the more important.

However, the kind of insurance that you purchase will depend on a few factors. Is your travel itinerary dependent on making each stop on schedule, or are you planning to play it by ear? If the latter, then you can purchase medical insurance without trip cancellation benefits.

If, on the other hand, your return home on the planned date is of utmost importance, or if many of the reservations are non-refundable, then you would want to purchase trip cancellation benefits as well. When purchasing trip cancellation benefits, be sure to check the clauses and conditions that it covers—else, you might want to add “Cancel for Any Reason” coverage to your plan.

The duration of the plan will also determine whether you want to purchase long-term insurance or short-term insurance. While short-term insurance can be purchased for up to 24 months, it does not cover preventive medicine and pre-existing conditions. So, if you’re planning a trip for more than six months, you might want to consider purchasing a long-term medical insurance plan.

As 2009 draws to a close and the new year just waiting in the wings, it is a time for retrospection and celebration for all! This is especially a great time for international students, who have their first long break of the academic year right about now. It is also the time one can consider purchasing better international student insurance if the student has the default college-sponsored plan.

While first enrolling in college, the international student typically checks off the default insurance option, which offers limited coverage. Oftentimes, better coverage can be purchased privately, at lower cost to boot. This is the perfect time for international students to research insurance options.

Students must remember to also purchase adequate insurance for their dependents, and if required, choose a plan with maternity coverage. Some plans also cover pre-existing conditions, and they might be worthwhile looking into as well.

All in all, the time is right for students to look for alternate insurance. Also, if the student already has purchased insurance for a whole year, it might still be possible to cancel the plan with little or no penalty. It’s a great time to save money—the new year!

If you’re traveling abroad for business or pleasure, the Liaison Majestic international travel health insurance can suit your insurance needs abroad. The plan is administered by Seven Corners, and underwritten by The Insurance Company of the State of Pennsylvania.

Liaison Majestic offers several plans, with 4 maximum benefit amounts to choose from. The deductibles also range from $0 to $2,500. The plan is suitable for travelers visiting the United States, and for U.S. citizens traveling abroad. The benefits vary slightly in each case. The plan is reputed, and offers a host of features to make signing up and reimbursement of expenses easy.

The plan covers hospitalization, outpatient care, emergency dental treatment, emergency medical evacuation/repatriation, trip interruption, accidental death and dismemberment, ad common carrier accidental death. The plan also offers repatriation of mortal remains, as well as home country coverage.

A unique feature of the plan is the waiver of pre-existing conditions clause, in which U.S. citizens traveling abroad can be covered for up to $20,000 for pre-existing conditions, subject to conditions. Foreign nationals visiting the United States also receive some benefit for hospitalization due to a heart attack or a stroke. With Liaison Majestic, you can hold you head high when traveling, secure in its coverage.

Santa’s just saddling up his reindeer, and you are hopefully at your destination already, international travel health insurance in hand. As you get ready to celebrate Christmas local style, remember a few basic things that will help you ensure that your insurance remains unused, and you have a safe and healthy holiday.

In some parts of the world, it is common for folks to set off fireworks during festivals. Be aware of that, and participate only if you are confident of your safety. Remember that your insurance may consider setting off fireworks as a hazardous activity.

Also, remember that Christmas Eve is a night of partying for many, and the flow of alcohol might be at its height. Park in designated spots only. Else, if someone vandalizes your car, you will not be able to make a valid car collision insurance claim.

If you are planning to spend Christmas at a local charity event, ensure that you still follow basic hygiene. It is easy to forget basic principles such as washing hands often, and drinking only bottled water (or boiled water), when you are in the midst of the spirit of the holidays, but remember that a safe Christmas is a truly merry Christmas!

In this post of the series on holiday travel and international travel insurance, let us look at how one can ensure a great holidays even when away from home. Many families with friends and relatives in a different continent (most popularly, Europe) travel overseas to spend Christmas and New Year abroad. Of course, one of the things you must purchase, before a Europe-worthy wardrobe, is international travel health insurance.

Also remember the following tips when traveling abroad during Christmas season: If you’ll be staying at people’s houses over the holiday, remember to pack in a few extra mementos or Christmas presents from your home country. Remember to not wrap any presents before your flight—you never know what will be checked by customs. If your schedule is packed, you may want to keep the "important" presents in your carry-on luggage.

Once you arrive at the destination, remember that your traditional Christmas may be different than your hosts’. Be open about different traditions, and do not try to enforce your traditions on them. If there are any new dishes that you are served, ask about their ingredients, if you or your children have food allergies. Illnesses arising from food allergies may not be covered under your insurance.

If you are traveling with kids, ensure that there is some part of the festival that they can connect with—maybe attending Midnight Mass, or singing a family favorite. If you have a packed schedule, ensure that you still set aside some time to stop and smell the spirit of Christmas all around you!

Holidays are here, and it’s time to keep worries about your weight away—it is, after all, the time for feasting, not fasting! If you’re traveling abroad this holiday season, remember to purchase international travel health insurance, to ensure that your holiday remains stress-free.

It’s also time to remember that holiday parties are known for heavy drinking, and it is easy to be brave and take the car for a spin. If you are unfortunately in an accident, you might be tempted to think that you are covered because your schedule of benefits covers accidental death and dismemberment.

If you are determined to have been under the influence of alcohol at the time of the accident, your policy will not cover the accident and resulting injuries. Many policies also exclude situations where the insured is involved in motorcycle riding, whether under the influence of alcohol or not.

If you will be riding a motorcycle at your destination, check that your insurance does not exclude it. If it does, you might be able to get coverage by purchasing additional hazardous sports coverage, which many plans offer. Also remember to familiarize yourself with the road rules of the destination, and to ensure that you are legally allowed to drive at the destination.

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


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