• International Insurance Blog

  • Friday, February 23, 2018

Are you one o the many Americans planning to travel outside the country for the first time? Whether you are traveling for business or pleasure, there are many things you will need to do to get ready. Researching the country you are visiting, obtaining a passport, and finding the right lodging and transportation are just a few of the important tasks on our to-do list. Make sure that your preparation includes purchasing international medical insurance. It may save you thousands of dollars in emergency medical expenses.

According to a report prepared by the U.S. Travel Association, only 30% of citizens have a passport. That number seems a bit low, especially in comparison to similar countries like Canada and the United Kingdom, in which 60% and 75%, respectively, have passports. However, the association reports that the number was only in the teens a few years ago, so it represents real progress. And it tells us that more and more Americans are venturing abroad for the very first time.

While those citizens may have great health insurance plans provided by their American employers, typically those plans can only be used in the U.S. So when they are traveling abroad, they are unprotected in the event of a medical emergency. That means they will need to pay for any doctor's visit, prescription, hospitalization, or other medical issue will have to be paid for in full from their own pocket.

For Americans who are used to paying only $30 as a coinsurance payment, suddenly facing bills of hundreds or thousands of dollars is a shock they are unprepared for. However, a solution exists in the form of international medical insurance. It allows policyholders to get health coverage abroad that is as high in quality and as affordable as they get at home. For first time international travelers, a small investment in this type of insurance could save quite a bit in the long run.
College students around the world have been settled back into classrooms for the last few weeks, and they are now likely looking ahead to a warm spring break vacation in Mexico or some other international destination. This is especially true for students in areas like the northeast United States or England, which have been hit extremely hard by snow and wintry weather. If a spring break vacation abroad is on your itinerary, be sure you leave equipped with international student travel insurance.

Hopefully your spring break vacation turns out perfectly; a memorable experience for yourself and your friends. A spring break vacation can be the perfect getaway to recharge your batteries for the rest of the semester when everything on your trip goes right. But the truth is, they do not always turn out that way. As with any type of international travel, the possibility of injury or illness is always prevalent.

In fact, spring break trips may be even more risky. For example, students often participate in sporting activities while on their vacation, ranging from a simple game of volleyball on the beach to more extreme activities like bungee jumping or hang gliding. There are inherent risks in those activities that could unfortunately lead to hospitalization. And since many spring breaks take place in countries like Mexico which offer great natural beauty but also health risks from factors like tainted water, students must be aware of potential illness as well.

While planning your break, read up on precautions you can take, including getting immunized, drinking only bottled water, and avoiding certain areas. But be aware that not every type of illness or injury can be avoided. And unless you have hundreds or even thousands of dollars to pay for health care services abroad, yo uwill need to be equipped for such emergencies with international student travel insurance.
When a person makes the noble commitment to help people in underdeveloped countries, he or she is also accepting some serious health risks. This can include anything from food poisoning to fatal diseases, depending on where the work you are doing is located. Actor George Clooney recently experienced this fact firsthand, surviving a bout with Malaria. Use his experience to better understand the need fr missionary insurance on your next international trip.

Clooney, who often visits the continent of Africa on humanitarian missions, contracted malaria while doing work in the Sudan. According to Clooney, this is the second time he has dealt with malaria. Malaria is a condition which is often fatal to Afircan natives who lack the proper medical resources. However Clooney was able to secure the proper medication to make a full recovery.

This type of situation is one you may very well find yourself in if you do missionary work. Missionary work often leads people into areas with polluted water supplies, subpar air quality, airborne illness, and other threats. If you were to become ill or injured while working on a mission overseas, how would you pay for the medical care?

Most insurance plans can only be used in your native country, meaning that when becoming hurt or sick abroad, you would need an additional policy. Missionary insurance is designed specifically for the needs of people like you. It offers high quality care at low prices. So while for George Clooney, saving money on medical care may not be a concern, it most likely is for you. This type of insurance places a priority on your health but stays mindful of your budget as well.

As a result of changes to the United States' longstanding policy regarding tourism to Cuba, many student and misisonary groups will likely now be planning trips to the area. If you are leading a group of students or church members that will be visiting Cuba, it is important to find affordable health care solutions. Missionary insurance provides a convenient and cost-effective way to fulfill those needs.

For years, the United Stats has expressly prohibited its citizens from visiting Communist Cuba. The ban dates back to the 70s, but now students seeking academic credit and church groups will be permitted to travel to Cuba. More airports will now offer more options for these travelers, as well. While pundits are split on what the benefits of the changes will be, there's no doubt many groups will be taking advantage of these changes.

It's important to remember that any time you travel as a member of a group to an international location, you will need to protect yourself with health insurance. The insurance policy you use at home likely will not be able to cover you in the event of illness or injury. Special international plans are designed to offer coverage from country to country, filling in the gaps your normal plan leaves and keeping your costs low.

Buying missionary insurance as part of a group allows you to get great coverage at better rates than you might be able to get on your own. Insurance companies are happy to offer more favorable rates for groups, as it facilitates more total purchases for them. This is similar to the idea of buying group health insurance through your employer; employers can get more favorable rates based on the volume of customers signing up for coverage. Before taking advantage of this newfound freedom to travel more easily to Cuba, be sure your group is prepared.
For travelers, one of the defining aspects of 2010 was the manner in which airlines added what seemed like new fee after new fee to their service. Many items which were previously free of charge now cost travelers extra, and those incremental charges add up fast. At one point, an airline was even rumored to be considering adding a fee for using the restroom on its flights! According to some experts, 2011 could hold more of the same for travelers. So if you are looking to save money with even more pricey new fees on the horizon, one of your best options may be to invest in international travel insurance.

International travel insurance offers multiple ways to save you money. First, it protects you in the event of accident or illness occurring abroad. The insurance plan you use in your home country will likely not be accepted internationally, so a visit to the doctor or hospital could be your ticket to hundreds or even thousands of dollars in medical fees. Your travel plan will absorb the bulk of those costs, offering you the quality care you need at a fraction of what it would cost uninsured.

Second, these plans offer reimbursement in the event that your luggage is lost. Replacing your luggage itself as well as the items contained in it is not only annoying, it can be very expensive. So getting some financial assistance from your insurer can be a great way to preserve your travel spending money. Who wants to spend time or money on things they already owned?

Finally, many plans offer trip cancellation coverage that can be added for a small fee. Even a brief flight delay can cause you to miss an international connection, which in turn can cause you to miss a night's stay at a hotel you've already paid for, as well as events, attractions, or tours you've already purchased. That one simple delay, which could result from weather, mechanical issues, or other undisclosed factors, could wind up costing you a significant amount of money. But trip cancellation insurance saves you the money you would spend on buying a new plane ticket, new hotel room bookings, and new event or attraction tickets. By absorbing that cost, you may void potentially doubling your vacation expenses. Don't let illness, injury, lost luggage, or trip delays make your international travel experience any more expensive than it already is.
The chances are good that if you live in the United States or Europe, then within the last few weeks you've had some sort of encounter with snow - possibly even in blizzard conditions. Snow hit much of the U.S. and many European countries, leaving residents ready to escape the cold temperatures and dangerous conditions for warmer climates. If you are planning to escape the winter weather that lies ahead in the coming months with a trip abroad, be sure that you plan properly by purchasing international travel insurance.

While a nice winter vacation to the beach or some other sunny locale might be what you need to escape the winter blues, the simplest travel mishap could wind up being a bigger headache than shoveling a foot of snow from your driveway. How will you pay for medical care if an accident occurs? What will you do if your luggage is lost or damaged? How can you make sure that if you need to cancel your flight, you do not lose your investment? These are the types of problems that international travel insurance addresses for you.

Your travel insurance policy will help make medical care in other countries affordable. While the policy you use in your native country may do a great job of keeping costs low locally, it will not be accepted when traveling internationally. Many travel plans come with medical coverage that will allow you to visit a doctor, hospital, or emergency room without leaving with a bill costing thousands of dollars.

Of course illness and injury are not the only bad things that can happen while traveling. Lost luggage is a real pain to deal with. Not only is it inconvenient, but replacing items lost by your airline can be very expensive. But with your travel plan, you can get reimbursed for the cost of replacing lost luggage and its contents. One of the other major unforeseen expenses that often occurs is the cost of rebooking a flight that you or your airlines cancelled. But many travel plans come with optional trip cancellation insurance that covers the cost of rebooking flights, hotel rooms, and more. With this type of insurance, you can take that relaxing winter break and not worry about what might go wrong!

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


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