• International Insurance Blog

  • Friday, February 23, 2018

Here’s one apology that you don’t see often: A Pacific island tribe has apologized to the descendents of a Christian missionary—for killing and eating their ancestor! While things are not so dire anymore, missionary work is still a path fraught with danger and worry, and it is just common sense to purchase adequate missionary insurance.

One of the reasons missionary insurance becomes so important is that the work of missionaries and that of non-profit workers (who are often included in missionary insurance) focuses on the downtrodden and the less fortunate in the world. That means that they live and work in places that make them more susceptible to illness.

Usually, these places also have little or no quality medical help available, and the nearest hospital is miles away. So, keep in mind that when you purchase missionary insurance, you must look for a policy with emergency medical evacuation.

Most missionary insurance plans also offer coverage in the home country and throughout the world, so you need not worry about break in coverage when you visit home. However, keep in mind that the co-pay is usually higher in the home country. Most missionary insurance plans also offer repatriation of remains benefits, although it wouldn’t have been of much use in the case of the missionary who was eaten!

Traveling with children can be a bonding and learning experience for the parent. But imagine for a moment that you fall sick when you are traveling alone with your children. To ensure safety of the children, you should opt for an international travel health insurance plan that includes the Return of Minor Children clause. This clause provides for return of your children to your home country in case any emergency medical condition should affect you.

There is normally an upper limit to which the insurance provider will compensate for the expenses incurred due to the return of minor children. Minor children are those under the age of 18 (age differs according to policy taken) and they should be left unattended, to avail this benefit.

The insurance provider normally pays for the return economy fare to the home town of the children, less value of credit from unused ticket. If it becomes necessary for an escort to accompany them to ensure safety/welfare of the children, then the insurance provider will arrange for the attendant and bear his costs.

More than one child can also be covered under this benefit. Some policies specify the time duration (for example: 36 hours) when the children are left unattended, before the clause takes effect.

The countdown has begun: Come June, and the Soccer World Cup will take center stage. If there’s ever one trip that screams out for international travel medical insurance, it is the trip to South Africa to witness the FIFA World Cup live.

Remember that accommodation and getting around can be very expensive during the World Cup, if not already booked. Also remember that South Africa is a country of distances (although not as much as the United States), and that travel needs to be planned out much in advance.

The pouring in of humanity to the stadiums will likely increase your chances of contracting an infection. Remember also that soccer matches can turn rough in the stands, if not on the field, and you must be adequately covered when traveling explicitly for the FIFA World Cup.

Ensure that you purchase insurance with hospitalization benefits. Also make a list of reputed hospitals at your stops that accept your insurance. Even if there are none that accept your insurance plan, ensure that you are aware of hospitals with decent quality of care. Enjoy your stay and safe under the protection of adequate travel medical insurance, you can scream from the stands, “GOOAAAAAAAAALLLLLLL”!

Sometimes, your overseas trip will need more than just regular international travel health insurance and trip cancellation insurance. For example, Travel Guard Essential Expanded Insurance provides a range of benefits over and above regular health and trip cancellation benefits.

The plan offers, for example, free coverage for a related child for every adult who purchases the plan. Lost baggage benefits, which are usually $250 per person, are increased to $750 per person, and emergency evacuation coverage is also increased to $150,000 per person. In addition, the plan offers trip interruption and baggage delay benefits as well.

Medical benefits, on the other hand, are simplified, and cover up to $15,000 in expenses. That means that your medical benefits can total $15,000, for consultation, treatment, ambulance services, and hospitalization. The plan also provides for advance payment in case its necessity is certified by a doctor.

Several additional coverage options can be purchased on payment of an additional premium, under the plan. Medical coverage can be doubled, and a $35,000 car rental collision plan added for an extra cost. Several plans such as the Travel Guard Essential Expanded plan offer expanded coverage tailor-made for international travel.

When you are purchasing international travel health insurance, you would have noticed that almost all policies include a clause for repatriation of remains. When I leave this Earth, some might say, I don’t really care where I’m buried (or cremated). Why do I even need that clause in my international travel insurance?

Almost all plans include repatriation of remains as a default benefit. When the unthinkable happens and you pass on during an international trip, remember that your body might become a matter of concern to local authorities.

Some countries do not allow cremation or burial of foreigners unless there is a statement of release. In others, paperwork and procedures for the same can be cumbersome and daunting. Your next of kin will probably be required to take care of all the procedures, and might want everything taken care of as painlessly as possible.

The repatriation of remains benefit takes care of all the formalities. Remember that the procedures may be longer and worse if the death is ruled a murder or suicide. Also, some policies do not cover repatriation if death occurs due to pre-existing conditions. Check that with your insurance company. It is also a good idea to let your next of kin know about the benefit before you depart on your trip.

International travel medical insurance can be a lifesaver in case you do actually fall ill when abroad. In this last post, we’ll look at what to do once the worst is behind you. There will still be some paperwork left before you can continue on your travel.

If you have received medical help or been hospitalized, check whether the medical facility accepts your insurance for cashless settlement. Obviously, it is best to do this before you receive treatment, but in the case of an emergency, that may not be possible. If you will have to pay the fees and then claim reimbursement, request receipts for every dollar (or whatever the local currency is) that you spent.

Many countries allow patients to take their medical records with them when they leave the hospital, and ensure that you take all of that with you, including a discharge summary, in case of hospitalization.

If you are medically fit to continue your travel, do so without fear; however, take up a lighter travel load if possible. If traveling with a group and they have advanced further along the trip, necessitating a change in plan, and you have trip cancellation benefits, check whether you are eligible for some benefits. And most of all, remember to enjoy the rest of your vacation!

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


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