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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Europe Trip: Should I Purchase the Agent’s Visitors Insurance?

When you book your overseas trip with your agent, you might be offered a travel insurance policy as well. In some cases, especially with trips to the European Union, the agent may strongly recommend (or sometimes even unethically force you) to purchase an insurance policy from them. This is illegal. Remember that you can purchase the travel insurance that you need, and that you cannot be forced to purchase the plan from your agent. Also, however, remember that the European Union Travel Directive specifies that a travel organizer must offer you a quote for travel insurance “at the earliest available […]

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Trip Cancellation Insurance Prevents Financial Disappointment

No one likes to see their well-planned trip cancelled. Add to that the worry of the financial losses related to the cancellation, and the frustration can be overwhelming. Trip cancellation insurance helps offset the financial part of the cancelled trip. Trip cancellation insurance is especially useful when you book the best deals, which can save you a lot of money. But the fine print contains details that usually include the disclosure that the expenses are not refundable, in case the reservations are not used. Trip cancellation insurance steps in to protect your “investments” in the trip. Trip cancellation insurance covers […]

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Weathering Travel with Visitor Health Insurance

Flights to the U.S. are full these days, with those trying to maximize time with their near and dear. The weather is fine by U.S. standards, but as a visitor, you must know whether weather will affect you, if the trip is to be memorable for the right reasons. First and foremost, visitors insurance is not merely a luxury, it is almost a necessity. Medical care is expensive in the U.S., and it is best to be safe than sorry. Second, keep in mind the weather of your destination. Pack appropriate clothing. Check the average temperature at the destination during […]

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