Travel Insurance Claims and Alcohol Consumption

Be careful if you overindulge when you are on vacation because being under the influence of alcohol could invalidate your international travel insurance. When we take out travel insurance for our vacation we often don’t think about how we can help protect ourselves from accidents and illnesses. Most of the time, when we claim on our travel insurance for medical treatment, the reason is beyond our control. But sometimes we do things that knowingly endanger our health – something an insurance policy may not cover. For example, if you are under the influence of drugs or alcohol when you fall […]

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Group Travel and Health Insurance

Organizing group travel can be a challenge. Getting everyone to sign up to the itinerary, agree to the destination, and be happy with the plans is tricky. Then you need to answer everyone’s questions, make sure everyone’s worries are taken care of and ensure everyone has the write documentation and has made the correct payments. As a group travel organizer you also have to consider practicalities like group travel insurance. Fortunately, group health insurance plans are available for small businesses, church groups, missionaries, and school and university groups. Organizing individual health cover for each person is prohibitively expensive and time […]

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Traveling With Disabilities

Traveling with disabilities is entirely possible although you may need to put in some extra work in terms of forward planning and combating problems with access. Certain countries will not have the same provisions in place as others when it comes to accessibility for disabled people. Some preparation before you travel can help you avoid problems at your planned destination and help ensure you enjoy a safe, stress-free trip. Make sure you have good quality travel health insurance to protect you while you travel. You need to make sure you are equipped with the correct travel insurance for your needs […]

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Immigration and Health Insurance

If you are a recent immigrant to the United States there will be many things you need to take care of. The process of gaining a green card is long and complicated and there are lots of steps to get through. While the United States can be a land of opportunity and promise, it can also be hard while you are finding your feet and developing a new life. For example, medical insurance is difficult to purchase if you haven’t been living for long in America. While the United States is often referred to as the Land of the Free, […]

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One Strike Not Out for Senior Visitors Insurance

When many US visitors who are seniors are asked about visitors insurance, their worry is simply that pre-existing conditions are generally not covered. However, there are a few things to consider before rejecting the idea totally. First, there are a few plans that offer limited coverage for pre-existing conditions. For example, there are plans that offer $5,000 for hospitalization resulting from heart attacks or strokes. Another plan provides US citizens traveling outside their country coverage of upto $15,000 for the sudden occurrence of a pre-existing condition. And then, there is the question of how each plan defines visitors insurance pre-existing […]

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Is Home Sweet Home for Visitors Insurance Purchase?

It’s all settled. Your parents’ trip to the U.S. is confirmed, and the only thing remaining is purchasing visitors health insurance. When your parents booked the tickets from their country, the travel agent offered them visitors insurance for a low sum. Isn’t that the best option to go with? After all, how likely is it that your parents will fall sick? This is the question in the minds of many a child whose parents come to visit them in the U.S. First things first, when purchasing insurance—be it short term health insurance or long term health insurance, you must think […]

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Entry Procedure Reminder for UK visitors

If it’s your first time visiting the U.S., or it’s been a while since your last trip, don’t forget the steps you need to take to enter the country. Making sure you’re up-to-date with the current requirements for non-U.S. citizens from the UK travelling to the United States will avoid any pre-flight panics. UK visitors must apply online for ESTA (Electronic System for Travel Authorization https://esta.cbp.dhs.gov/esta/). ESTA was introduced in 2009 and is obligatory for travelers under the ‘visa waiver’ program. As of 2010, you need to pay a fee using a credit card when applying for the ESTA. If […]

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U.S. Visitors – Plan Early for Summer Vacation

It takes a lot longer than you think to organize a summer vacation. Like many people, every year you wish you’d started earlier. Give yourself an easy ride and start planning for a trip to the U.S. now – you have plenty of time to look at destinations as well as the practicalities of travel medical insurance, flights and foreign currency. Visitors to the U.S. have a wealth of choice in destinations – do you want a tropical beach, a vibrant city, the beauty of the mountains or an action-packed sports break? Visit the websites of the U.S. states you’re […]

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Save on Emergency Room Costs with Visitors Insurance

If you are traveling internationally for a short period of time, you may rationalize that you do not need to purchase visitors insurance because you will not be there long enough to need to make any wellness trips to the doctor. However, have you considered how you might pay for emergency room care? Injury and illness can strike at any time, and it’s important to be prepared for that possibility financially. To avoid the high costs of emergency room coverage, you will want to be equipped with a visitors insurance plan. According to MyOptumHealth.com, the average cost of an emergency […]

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My Parents are Together – Shouldn’t Their Insurance Be Too?

If your parents are visiting you in the United States, you may want to start exploring insurance options as soon as their plans are finalized. One question several children ask is whether they must purchase separate visitor health insurance and visitor medical insurance policies for each of them, or a combined policy. In most policies, there is no difference in price between the two options. So it really comes down to convenience. Having two separate policies provides your parents with more flexibility. If one of them decides to return early or extend their stay, it is easier with separate policies. […]

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