• International Insurance Blog

  • Saturday, March 17, 2018

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!
While New York and parts of the U.S. northeast are still struggling to resume normal flight activity, European airports have largely returned to normal schedules after being snowed out. Many travelers can now resume their business travel and vacation plans. If you are planning to travel to or from European airports, be sure that purchasing international medical insurance is on your list of preparations.

Airports in Paris, London, and Brussels were among those who were shut down by snow and ice. Lack of de-icing chemicals, weather, and visibility issues made it impossible for flights o take off. This left hundreds of passengers either stranded at airports or inconvenienced by delayed flights and cancellations. For the most part, these airports have returned to their typical schedules now.

And as normal travel patterns pick back up, travelers can shift their focus from being prepared for possible cancellations to making sure they are prepared in the event of a health emergency. Illness and injury are always possibilities during any type of travel, and the odds of them occurring only go up during the winter months. Flu and other communicable illnesses are in the air, and icy walkways make slip and fall injuries a real danger.

International medical insurance will make certain that if you do need to visit a doctor or hospital because you are sick or hurt, you can get the care you need at an affordable price. Without insurance, you will be forced to pay the full cost of medical care, which could be several hundred or even several thousand dollars. An insurance policy will leave you responsbile for only a fraction of those costs. So be sure that as your travel plans get back to your normal they include proper protection.
Getting ready to travel abroad for the first time can be overwhelming. Getting your documentation in order, learning about your travel destination, reading up on travel advisories, and arranging for accommodations is more than enough to keep you busy. But during your preparations, make sure you do not forget to purchase international medical insurance.

Whether you are traveling abroad on a personal vacation or for business purposes, there are a variety of health risks you may encounter. Being fatigued from your flight and then being exposed to a new environment can often lead to illness, as can factors like poor water conditions, altitude changes, and new cuisine. And injuries can happen when you least expect them to, including car accidents and falls.

The insurance policy that protects you in your home country will likely be of no help in these situations. Why is that? Because most group health insurance policies apply only to the countries in which they are issued. So while your health insurance policy may offer you excellent affordable care at home, you will need a supplemental policy while traveling abroad.

An international medical insurance policy will provide the coverage you need at an affordable rate. Most policies are accepted around the world, and a variety of coverage is included, such as doctor's visits, hospitalization, emergency room care, and prescriptions to name a few. This makes this type of insurance the most convenient and affordable option available for first time travelers.

The call of service seems to be leading more people to help not only in their community, but in international areas as well. Greater global awareness has inspired missionary trips all around the world, and while it is admirable to focus your attention on those in need, be careful when planning a trip to keep your own best interests in mind by purchasing missionary insurance.

Missionary trips are now being organized by church groups and by student organizations at colleges and high schools, and are also being taken alone by people who simply want to share their own good fortune with the world. They may include disaster recovery assistance, building new schools, churches, and infrastructure, or going to a new country to teach children.

While these are fulfilling activities, they can also be quite dangerous. Missions often take place in developing countries which may have unsafe water, environmental hazards, dangerous weather, or physical threats from local groups.

Missionary insurance was designed with those facts in mind. It assures policyholders that if something does happen, they will have access to high quality healthcare at affordable prices. Coverage is typically quite inexpensive and this type of care is generally not offered by standard insurance policies such as those offered by your employer, so it is always a good idea to purchase a plan before departing on a mission.

This time of year, you can always count on 2 things: decreasing temperatures and increased travel. People around the world travel from city-to-city and country-to-country to celebrate the holidays with friends and family, and with the inclimate winter, that means increased risk for injury. That is why it is always a good idea to travel with international medical insurance.

The potential for injury is always present during any sort of travel. But the risk seems intensified this time of year, with the volume of travelers and the often difficult travel conditions. Auto accidents seem more common when snow, ice, sleet, and freezing snow present challenges for drivers, especially those driving in unfamiliar areas. And falls are quite common thanks to slick sidewalks and streets as well.

If you have not taken the time to think about what you would do should an injury occur, you may not only find yourself injured but also hurting financially. If your injury occurs in another country, then the health insurance plan you use in your home country will likely not be accepted. So the surgery for your broken leg or even the fee for the few hours you spent in the hospital having your sprained ankle examined will need to be paid in full by you.

If you are used to just paying coinsurance payments, you may not be aware of how much healthcare costs without having insurance to soften the blow. Depending on the services rendered, you could be facing a bill ranging anywhere from hundreds of dollars to several thousand. International medical insurance is accepted across many countries, and it absorbs the bulk of your medical expenses, leaving you to pay only a small fraction. It is therefore a smart buy anytime of year, but especially during the holiday travel season when injuries may be more likely.

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


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