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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Signing on to International Student Insurance

International student health insurance is a much-debated topic. While it is important to be insured against the fallout of illnesses for a student, it is also the time for scrimping, and students are loath to spend money on health insurance, which they might see as an unnecessary expense. This is especially true of international students, whose finances suddenly seem to shrink due to the vagaries of currency exchange. Add to this the confusion and adjustment issues in a new country, and it is indeed a stressful time for the international student. Most of them just sign up for the college-sponsored […]

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Jostling to Get J1 Visa Insurance

So you and your friend are going to study in the U.S.—you, as an exchange student and she, as an international student. Not all visas are equal, and as a J1 visa holder, you need to have J1 visa health insurance that conforms to the rules laid down by the U.S. government. Your friend, meanwhile, will need to purchase international student health insurance. As a J1 student, your insurance must provide for at least $50,000 in medical benefits per accident or illness, and cover repatriation of remains up to $7,500. The plan must also provide for emergency medical evacuation to […]

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Starting Pangs: Group Health Insurance for Small Businesses

All big establishments typically start small. Often, though, practical questions plague the small business owner: How can I ensure group health insurance coverage for my three employees, without breaking the bank? Will companies actually cover just two or three people as a group? The answer is: yes. Group health insurance plans are of different types. Small businesses can also bring their employees under small business group insurance. While the premium will differ based on the number of employees covered under the group, typically, group insurance can be purchased for a minimum of two or five employees, depending on the plan. […]

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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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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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Travel with Infant No Child’s Play

When your international flight will include an infant, it is time for extra preparation. Before the actual flight, you’ll want to check whether your travel insurance policy will cover your baby as well. Remember that although your baby is dependent on you, she/he is still an individual and will need travel documents. First things first, try and check in early so that you can have your choice of seats available. Some airlines have bassinets for use, but not all do. Check with your airline beforehand about baggage allowance for your baby and whether you can bring your stroller onboard. For […]

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Picking Up the Pieces After Irene

As Irene has come and gone, airlines are still trying to figure out how much they will lose. With trip cancellation insurance, thankfully, a traveler doesn’t have to ask the same question. However, one question that most people with trip cancellation insurance have is: Now what? Usually, if your travel plans have only been postponed (and airlines usually offer an alternative as soon as possible) and you take up the airline’s offer, you will not be able to claim trip cancellation benefits. However, if you do have a legitimate claim, you will need to file a claim, typically by filling […]

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Insurance Protection from Irene’s Wrath

As the East Coast faces Irene and recoups from her devastation, the travel plans of several thousands of people have gone awry. The storm is particularly worrisome for international visitors without trip cancellation insurance who have less time to juggle their schedule around. Trip cancellation insurance covers most of the costs related to a flight getting cancelled due to an unforeseen circumstance. A hurricane does fall under that category; however, to be valid, the travel insurance along with trip cancellation protection must have been purchased before a storm is identified and named. Most international travelers to the U.S. make trips […]

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