• International Insurance Blog

  • Saturday, March 17, 2018

The month of October brings about Oktoberfest celebrations in many areas. For those truly wanting an authentic Bavarian cultural experience, there is no better solution than to travel to Germany itself. If such a trip is on your agenda, be sure you purchase international travel insurance before leaving.

Any veteran international traveler will tell you that there are many unplanned problems that can arise during your trip. From medical issues to lost baggage to flight delays, even a well-thought-out vacation or business trip can end in disaster.

International travel insurance offers protection against many of these unforeseen problems. For example, if your luggage gets lost by the airline, your insurance policy will help cover the costs of purchasing the items you’ve lost. Or if your trip gets delayed or cancelled, or you need to cancel it yourself, you can add a trip cancellation policy to your plan to preserve the money you may have lost. Even a simple flight delay could cost you thousands of dollars if you miss a connecting flight, thanks to the cost of lost hotel reservations and booking a new flight.

Another area where this type of coverage really proves its value is in terms of your health. If you become sick or injured while traveling, this type of insurance covers doctor’s visits, hospitalization, prescriptions, and much more. Your normal insurance plan likely does not cover these needs when they occur in another country, so it is important to have an alternative solution, which is exactly what this insurance offers. While you can never plan to avoid every problem that could occur during travel, you can increase your protection against them.
You may have recently heard that in France, the government has issued a travel warning regarding the United Kingdom. Due to terror threats to the country, France is cautioning citizens who planned to travel there, leaving the travel plans of many citizens in jeopardy. Because you can never predict when such a warning might come, it is a good idea to always prepare for every trip with trip cancellation insurance.

While the government warnings do not prohibit citizens form traveling, it will certainly discourage a number of them from doing so, simply because of personal safety concerns. For many people, when the option is playing it conservative and safe or taking a risk, safety is the best choice.

What would you do in this situation? Would you cancel your trip and accommodations on short notice? If so, it is important that you have already purchased trip cancellation insurance, otherwise you will lose much if not all of your travel arrangements, including flight, hotel rooms, entertainment, and anything else you may have planned in advance.

However, in most instances if you were to cancel on short notice, you will lose all or early all of the money you have spent booking it. You’d lose the thousands of dollars invested in your trip, with nothing at all to show for it, just because you chose to take the safe route of traveling during a warning period. This is why trip cancellation policies exist: to give people a chance to protect the thousands of dollars they spend on travel when unforeseen events arise..
Yacht crew insurance is special insurance designed specifically for the unique needs of people who make their living working at sea. Since these workers' jobs take them all over the world, many insurance policies are not adequate for their needs, which is why marine coverage was created. If you are considering investing in this type of insurance, try shopping online to save money.

One reason buying yacht crew insurance online saves money is that it gives you the chance to look over terms and conditions in detail. This way you know up front exactly what is and is not covered under your policy, which saves you the surprise of thinking something is covered, getting treated for it, and finding out later that it is not. You can also use the web to compare points of coverage between different plans, which allows you to make sure you buy the right coverage the first time, instead of buying one policy, finding out it falls short of your needs, and then having to buy a second one.

Another money-saving advantage of buying online is that you can compare prices from many different providers. Many insurance companies will provide prices online, and if they do not do so you may be able to request a quote via email. This will allow you get the lowest price on comparable levels of protection.

If you do not shop online, you may have less access to information that is not only important to the insurance-buying decision making process, but also important to saving money as well. Knowing the terms and conditions of policies, and being able to compare their prices, enables you to make smart comparisons and sound decisions that will save you money at the time of purchase and on each doctor's visit.

When you think of foreign exchange programs for students, what countries come to mind as popular destinations? The United States? Germany? Spain? France? While these are the nations we most typically associate with exchange programs, new trends are changing that. And that means that international student insurance is now a more important purchase than ever.

According to a recent article on CNN.com, today’s students are starting to look to new destinations for their exchange student adventure. Specifically, they are heading to developing countries in Africa, Latin America, and Asia. Students feel like staying in these countries gives them a whole new cultural experience that is even more diverse and unique than what they might receive in one of the more traditional countries. Students are also able to take part in volunteer projects while studying in these developing nations.

However, while these countries certainly present new challenges, they can also present new dangers. Any time you are visiting a developing country, the chance for illness and even injury increases. Air and water quality vary in these countries, and communicable illness may be spread more easily. Infrastructure will likely not be as well developed, which can lead to accidents and injury.

If you do become ill or injured, you will want to be sure to have an international student insurance policy to help mitigate the high costs of healthcare. The last thing you want during your time studying is to generate a pricey medical bill. So if you are planning an exchange student trip to a developing country, be sure to study up on common potential problems and take the extra step of protecting yourself with insurance coverage.

So you have recently gotten the great news that your company wants you to relocate overseas for the next year to head up their new international division. This is a great opportunity to earn more money and advance your career. There is just one question - how can you make sure you have proper health care coverage in place in your new home?

Long term international health insurance provides the answer you are looking for. It is designed for people exactly like you; people who need a solid health insurance plan for a significant period of time in an area where their normal policy does not offer coverage.

With a long term international health insurance policy, you can assure yourself of high quality coverage at an affordable rate. Plans are accepted at countries all around the world, and they often even include coverage when you make brief returns to your home country.

It is recommended to shop online for this type of coverage. By doing so, you can compare and contrast different policies to find the one that best suits your needs, You can review features and benefits to make certain you are getting the best possible deal on this important investment.
As more people embrace the opportunity to contribute to the world by performing missionary work, it is increasingly important to make sure you know what preparations are necessary prior to embarking on such a journey. One item you may not think of but you absolutely should have is missionary insurance.

Missionary insurance will offer you affordable medical care while you are working overseas. While you may have an insurance policy already that you use to obtain health care in your native country, that plan may not cover you while you are on your mission. Most plans only cover incidents that occur in the nation in which they were issued.

Since missionary work often occurs in what could be described as high-risk areas, it is especially important to make sure you have adequate medical coverage. You never know when any of a number of potential health problems, ranging from physical injury to food poisoning, may strike during your mission.

Without this type of insurance, you may not be able to afford the care that you need to obtain. Or even if you can afford it, the cost may put a bigger dent in your finances than you would like. Either way, there is simply no reason to take any health risks when this affordable, convenient option exists.

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


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