• International Insurance Blog

  • Thursday, September 21, 2017

In the last week, a major airline announced that it would be adding yet another fee to specific seats on its planes. This represents just the latest additional fee that travelers have been faced with in the last few years. In a time when travelers continuously fall victim to the airlines' need to find new revenue sources, it is good to know that you can still save money with international health insurance.

American Airlines just announced fees on coach class seats. A few specific rows will now have a surcharge and be considered to be a tier of premium seating, despite the fact they are not first class. This could be a very frustrating development for international travelers, who have seen fees added for items that were once free like checking bags, and who have seen ticket prices rise steadily in the past few years. Airlines are struggling with surging fuel costs and unfortunately the result of that struggle is this myriad of new fees.

While travel itself is not getting any cheaper for consumers, international health insurance does offer international travelers a way to save money. If you need to visit the doctor or a hospital during a trip, this coverage will save you hundreds or perhaps even thousands of dollars on your treatment. Without a plan like this, you will be considered uninsured, meaning you will need to pay full price for any care you receive.

That can get extremely expensive. But for a low upfront investment, you can protect yourself against the high cost of healthcare in foreign countries. It is good to know that when planning your next round of international travel, there is still one way to protect your financial interests.
Traditionally, most citizens get their health insurance plans through their employers. The reason for this is simple: employers can get lower rates for their employees by brokering deals with insurance providers to send large numbers of customers their way. You probably knew that already, but did you know you can use the same ability to "buy in bulk" for international health insurance as well?

There is a product called group international health insurance that offers you that very opportunity. Many employers who send large groups of employees overseas choose this type of insurance to protect the health of their employees while also protecting their financial bottom lines. This way, employees can avoid the high cost of buying insurance individually and still get the benefit of having protection for emergency hospitalization, surgery, prescriptions, and more.

Large employers are not the only ones who can benefit from group international health insurance. Oftentimes you will see churches and other nonprofit organizations sending large groups of volunteers to foreign countries to help with relief efforts after natural disasters. These groups can also purchase this coverage for their volunteers.

Whether you are a member of a large group preparing to travel overseas or you are a human resources representative looking for the best way to maintain the health of your employees and the health of your company's finances, this is definitely an insurance option worth exploring. You can find out more information online or by contacting your domestic health plan provider.
One trend increasing in popularity in churches is to encourage more members to participate in missionary work overseas. As humanitarian efforts have become more well-publicized through news media and the internet, a growing number of religious followers realize that missionary travel allows them to help people in real need while also spreading the beliefs of their religion. If such a trip is in your future, be certain you invest in missionary insurance.

Missionary work typically takes people to dangerous locales. These may be places that are experiencing violence amongst citizens or areas that have been devastated by natural disasters. Areas that have fallen victim to hurricanes, earthquakes, and other catastrophes can be dangerous long after the event because of structural damage to infrastructure and buildings.

In addition to the dangers presented by violent activity and the residual problems that come from natural disasters, there are other pitfalls that may await visitors to these countries. For instance, air quality may be substandard, making you ill, or you may drink water contaminated with bacteria. Food poisoning is another common problem in areas where food preparation measures are below par.

These potential illnesses and injuries can harm more than just your physical well-being. Without insurance, the resulting hospital bills can put a dent in your finances. Missionary insurance is designed to help you in this regard, absorbing the high costs of healthcare and leaving you to pay just a fraction of the fees. This way, you can stay focused on delivering a positive message while making a real difference in the lives of people who desparately need it.
As you are well aware, healthcare rules and regulations vary from country to country around the world. You may wonder then how people who work at seas, traveling from international port to international port, assure themselves of insurance coverage. The answer is simple - yacht crew insurance.

With yacht crew insurance, also known as marine crew insurance, workers at sea can obtain high quality health coverage without paying unreasonably high costs. Plans are portable, meaning they will be accepted no matter what country you find yourself in. This is extremely important because you do not want to worry about becoming injured and then not being able to get the medical care you need because your policy is too restrictive.

Another benefit of these plans is that they are comprehensive. There are a variety of ways to become ill or injured at sea, and this type of insurance will protect you in all situations. It's nice to know you do not have to wait for an emergency to use your plan. Prescriptions, maternity needs, and preventative care may even be included.

Finally, these plans are flexible. You can buy a short term plan, which is ideal for sailors at sea anywhere from 5 days to 2 years. Or you may opt for long term coverage, which is ideal for trips of longer duration, as well as occasions in which crew members return to their home country and then back to the sea frequently. You can purchase these policies on an annual basis and renew them as often as you like.
We have all experienced turbulence on flights. Typically, the worst you might expect from it is a queasy stomach. But for passengers on a recent flight, turbluence turned so severe it resulted in injuries, reminding us all of the importance of international flight insurance.

The flight in question occurred last week in the United States. The cross-country flight left Washington D.C. and was en route to Los Angeles, when it experienced severe turbulence while flying over Missouri. 21 people were injured on that flight, and according to a recent USA Today article, 88% of injuries on flights last year were caused by turbulence.

So do not be so naive as to think that because the odds of a plane crash are low, you do not need an international flight insurance plan. The truth is, airline injuries are more common than you may realize,, and something as simple as turbulence can cause them.

Your flight insurance policy will help minimize the cost of any medical fees you incur while injured during a flight. This can be the difference between spending hundreds or thousands of dollars in healthcare bills or spending a mere fraction of that. Do not take a chance the next time you take off; make sure you are covered across the friendly - and unfriendly - skies.
Recently, a security breach caused a shutdown at the Providence Rhode Island airport. The breach occurred when a passenger made it past security without being checked out, and the incident goes to show that delays can occur even at the smallest airports.With that in mind, how can you avoid, or recover from, time-consuming delays at the airport? International travel insurance offers the best solution to this problem.

Even a short delay on an international flight can cause you to miss a connection, costing you time and money. Whether the delay is your fault or someone else's, airlines will often not lend you any sympathy, and more often than not the cost of rebooking is going to come out of your pocket.This is where trip cancellation insurance and travel assistance features come in handy.

Trip cancellation options are offered for an additional fee with most international travel insurance policies. They way these work is simple; if for some reason you miss a flight, connection, etc., the policy will cover the cost associated with the flight itself as well as hotel accommodations, event ticketing, and other expenses.This can save you quite a bit of money when it comes to buying new tickets because of a missed connection.

Travel assistance features will help make it easier to find and book new flights, communicate with your hotel, and generally make international travel simpler. These concierge desks can help you look up travel information and speak with representatives who speak languages you are unfamiliar with. It can make the task of making the best of a difficult travel situation much easier.

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