What Does Medicare Cover While Traveling Abroad

Medicare coverage depends on where you travel. It also depends on the type of coverage you have through Medicare. If you have Original Medicare, you can go anywhere in the United States and its territories and not worry about medical care. This is the plan that most people start with when they begin receiving Medicare. You can seek medical attention from any doctor or hospital you choose. With Original Medicare, you are not covered if you are outside of the United States. This can be a problem if you regularly travel to other countries and something happens to your health. […]

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Evacuation Insurance: A Friend in Need Indeed

When traveling internationally, the last thing you want to be thinking of is being evacuated to safety, an expensive proposition, no doubt. When it does happen, medical evacuation insurance can help defray the costs associated with it. While we are mostly concerned about evacuation to the closest medical center in case of a medical emergency, it is possible that you would want to be evacuated to your home country as well. There are plans to cover both types of evacuation. The first type, an example of which is the Liaison Traveler insurance plan, covers medical evacuation to the closest medical […]

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Serious Accidents and Illness Abroad

Losing a friend or relative is extremely hard. Losing a loved one while they are travelling abroad is even harder. According to the U.S. State Department, over 6,000 Americans die overseas each year. How can the U.S. State Department help? How can Medical evacuation insurance assist? With medical evacuation insurance you will be able to evacuate a seriously ill relative to medical facilities abroad, or bring them home to be treated in the US. If the worst happens, medical repatriation insurance assists you with returning the person’s remains to their home country. US consular offices abroad can also assist in […]

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When the Worst Happens, Will You Cope?

Travel is exciting, happy and life-expanding – for you and your loved ones. It’s almost unthinkable to consider losing your wife, friend, husband or sister while they are visiting a foreign country. Or to think about coping with their serious illness while they are abroad. But the unthinkable can and does happen. The cost of medical evacuation and repatriation are huge. Could you cope if the worst happened when your loved one was traveling? Here’s where evacuation insurance becomes invaluable. With emergency medical evacuation insurance or repatriation insurance you can quit worrying about the worst and concentrate on the best […]

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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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Make Way for Specialized Evacuation Insurance

Sometimes, you are adequately covered through medical insurance and all you want is additional coverage for that extra option that is not available to you. Affordable specialized plans such as medical evacuation insurance plans help you in such cases. They offer a focused plan that provides you with that extra benefit that your regular plan does not provide. Let’s say you are an expatriate living in Argentina. The Argentinian branch of your company has purchased health insurance for you. However, you feel that having evacuation insurance will help you in case of medical emergencies that your city of residence may […]

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Extreme Activities Cry Out for Evacuation Insurance

Extreme sports can test your physical and mental endurance, and to ensure that exhaustion does not turn into tragedy, medical evacuation insurance is a must. One great example of an endurance race is the Marathon Des Sables, a 6-day, 151-mile race across the Sahara Desert. Participants battle extreme conditions to complete the marathon in aid of a non-profit trust in aid of Africa. One essential feature of the race is the insurance that is provided to all entrants of the race. Benefits usually include medical evacuation insurance, payment of medical expenses, and repatriation of remains. If you’re not the Morocco […]

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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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Insurance Jungle: Conditions Regarding Pre-Existing Conditions

Whether you’re buying international student health insurance or visitor medical insurance, the insurance company will have some restrictions on medical conditions that the applicant already suffers from. However, it is important to understand the wording of such exclusions, as it might mean a difference between getting your claim approved and not. One visitors’ health policy may define a pre-existing condition as a condition that ‘would have caused a person to seek medical advice, or for which the applicant sought medical advice during the 36 months prior to the Effective Date of Coverage of the Policy.’ Another visitors’ health insurance plan […]

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The Nanny Diaries: Why Health Insurance is Necessary

Nannies provide peace of mind for couples who need help taking care of their children. To maintain that peace of mind, whether the nanny is from the United States or from another country, nanny health insurance is a must. Some nannies, especially those who are not U.S. citizens, may underestimate the need for nanny insurance, and may prefer an increase in pay instead, so that they can send money home. However, providing health insurance for the nanny is probably a better idea from your perspective and the nanny�s. Nannies who are non-U.S. citizens must purchase special insurance from specific companies […]

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