• International Insurance Blog

  • Friday, February 23, 2018

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.
Let's face it, as much as we all love the holiday season, holiday travel can often be a less-than-pleasant experience. Busy airports, packed highways, and inclimate weather – there is potential stress at every turn. How can you make sure your holiday travel adventures are as peaceful as possible? Travel insurance is a great start.

Traveling by plane for the holidays offers a number of potential obstacles. Airlines may lose your luggage, you may experience flight delays, or even cancellations from time-to-time. Travel insurance offers you assistance in working with airlines to track down lost luggage, as well as monetary compensation to help you pay to replace lost items. And travel policies with trip cancellation coverage allow you to recoup expenses lost on missed connections, delays, and cancellations.

Driving may seem like a great alternative to flying, but with traffic and the prospect of accidents, it is often not any better of a solution. The inclimate weather that occurs in the holiday season, including ice, snow, sleet, and freezing rain, can be a major cause of accidents and injuries. Without insurance, getting treatment for those injuries can be extremely expensive.

Your travel policy will also include medical coverage, so if you find yourself needing to visit the hospital because of an auto accident, you can rest assured that you will be able to keep your costs low thanks to your policy. Hopefully, you will never need to use your travel coverage. But simply having it on hand can be a great stress reliever during tense travel scenarios.
The hot button issue of the moment in the United States is the new set of changes that has been made to airport security procedures. These procedures, and the resulting backlash to them, has the potential to create flight delays which could cause you to miss connections and in turn cost you money. Protect yourself in this new environment with trip cancellation insurance.

Since the terrorist attacks of 2001, the United States has continued to look for new ways to prevent airline attacks and alleviate consumer fears about airline travel. The latest measure enacted for that purpose is full body scanning devices. Many travelers consider these very revealing devices to be intrusive and uncomfortable, and for those who do not wish to use them, a pat-down by a security member can be requested.

Any time a new procedure is introduced, especially one that has a manual component such as a pat-down, things are going to slow down. So you may find yourself waiting in longer lines, which may in turn lead to flight delays. And flight delays can cause you to miss connections, which can cost you significant amounts of money on non-refundable flights.

Trip cancellation insurance offers protection not only when flights are canceled, but also when delays and missed connections occur. So missing a flight may cause an inconvenience to your schedule, but it does not have to cause a financial burden as well. Don't let new safety measures harm both your wallet and your schedule.
The life on an international businessperson is a complicated one. Not only are there the challenges of knowing different cultures, languages, and customs in order to successfully manage business affairs in a variety of locales, there are also many logistical challenges. Long term international health insurance can help address some of those challenges.

Health insurance policies vary greatly from country to country, and plans provided by your employer in your native country likely will not be accepted in others. And as an international business professional, you will often be traveling to many different countries throughout the year. So how can you make sure that you have financial protection in the event of illness or injury?

The answer lies in long term international health insurance, which offers coverage in all countries including your country of citizenship. This means that not only will you be covered when visiting other countries for business, but you will also be covered on return visits to your native country. That adds an extra layer of value to these policies.

Without this type of insurance, you could find yourself faced with anywhere from hundreds to thousands of dollars in medical expenses, depending on the severity of your medical issue. But with these plans, the costs of doctor's visits, surgery, hospitalizations, prescriptions, maternity care, and even preventative care are absorbed. You'll be left with only a fraction of the total charges, giving you peace of mind during all your travels.
ProtectionWhen you plan a vacation abroad, what do you think about? Sightseeing? Maybe visiting the beach? Perhaps attending a special event, or catching up with family. You are probably not thinking about getting injured. But injuries are a very real possibility, and because of that you should always travel with international medical insurance.

Slipping, falling, sports mishaps, auto accidents – there is an unending variety of very pedestrian ways that injuries can occur while on vacation Injuries can occur when and where you least expect, and they can cause real financial problems when they do.

You see, even if you have an insurance policy in your native country, it likely does not cover events that occur abroad. So spraining an ankle while on vacation could result in a simple doctor's visit with a very expensive tab. An unanticipated accident could suddenly add a few hundred dollars to your vacation budget.

International medical insurance will absorb the bulk of fees associated with doctor's visits, hospitalization, prescriptions, and a number of other medical costs. Coverage applies from country-to-country, so you do not have to worry about it not being accepted. And the overall plan costs are low, so if you do not need to use it you do not need to worry that you've invested a large sum of money.

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


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