Learn To Be Safe With Study Abroad Insurance

Lars Kohler is excited about his study program in the United States—after all, it has always been his dream to study marine biology. One of the things he has to pack, along with his clothes and books, of course, is international student insurance, sometimes called study abroad insurance. There are others from his university who are also enrolled in different programs in the United States, though. Lars has two options now: To purchase individual exchange program insurance (also called J-1 insurance) and to purchase group study abroad insurance along with his friends and colleagues. There are several plans available for […]

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The World of Insurance Terms: Co-Insurance

If you are a visitor to the United States, and your home country’s healthcare doesn’t work on private insurance, you may be confused with all the talk of visitor health insurance. What’s more, you’re probably wondering what all the different terms mean. We briefly looked at what deductibles are in an earlier post. The deductible is the amount that you will pay before the insurance company benefits start kicking in. This is done primarily so that you can take care of minor expenses yourself. Remember that the presence of the deductible decreases the premium amount payable. The other term that […]

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Free Travel Insurance for Children

When traveling with children, often the most common question asked is about buying a travel insurance policy for the children. Travel medical insurance for children is not very expensive, because of the low risk of illness that they pose. What’s more, some plans offer great coverage for children, including free coverage. The TravelGuard travel insurance plans feature free coverage for children aged 17 and under when they travel with a covered adult. That means that for every adult, one child (17 years or under) will receive free coverage. The TravelGuard Silver plan is basically a trip insurance plan, covering trip […]

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Deducing the Meaning of Visitor Insurance Terms

When you purchase visitors health insurance for travel to the United States, you might be confused by all the insurance terms that you come across. This is especially true if you are purchasing health insurance for the first time. However, health insurance is quite simple to understand once you get a hang of how it works. First, if you fall ill when traveling in the U.S., you will probably visit a physician. Usually, the insurance portion kicks in after the expenses exceed a certain amount. This is basically to eliminate claims of very small denominations, which the plan holder can […]

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Guard Your International Travel with Insurance

International travel is fraught with uncertainties. TravelGuard’s Essential Expanded Silver trip insurance plan offers a travel insurance policy that protects you from unforeseen expenses related to the trip. As with most travel insurance plans, the TravelGuard plan offers coverage for trip cancellation and interruption, trip delay, and baggage loss and delay. Medical benefits up to $15,000, emergency evacuation, and repatriation of remains are also covered in the plan. TravelGuard also features a $500 benefit exclusively for the return air fare of an interrupted trip. This coverage cannot be combined with regular trip interruption coverage. They are separate benefits, and are […]

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Different Flavors of Health Insurance Deductibles

Whether your plan be visitor medical insurance, travel medical insurance, or short term health insurance, one aspect of the insurance plan that you must be aware of is the deductible. It is the amount that you pay the healthcare provider, before the health insurance company starts paying benefits. Deductibles, like most aspects to do with insurance, come in many shapes and sizes. Let’s say you purchase a travel insurance plan. If you fall ill and then get treatment, you are required to pay the requisite deductible. What happens if you have an unrelated medical issue a few days later, while […]

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Why Do U.S. Visitors Need Insurance?

One of the most often-asked questions by visitors to the United States is: Why do I even need visitor health insurance, if the plan will no cover pre-existing conditions? The only coverage I really need is for my hypertension, isn’t it? Actually, coverage is needed for more than just pre-existing conditions. As a matter of fact, pre-existing conditions are probably better managed by the plan holder, since they have been detected. It is the sudden illnesses and injuries that really need to be covered. Consider a family whose parents are visiting the U.S. from India. Their trip to the U.S. […]

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Passenger Confidence Soars with Flight Insurance

The news of the accident involving an international flight to India has once again made passengers wary of air travel, and spiked the purchase of flight accident insurance plans. While the reasons for the crash are still unclear and the families of the victims are coming to terms with the loss, questions are being raised about how safe air travel really is. More people are looking to purchase flight insurance to calm their nerves about air travel. Flight insurance usually comes in two types: pure flight insurance, which offers coverage for loss of life, limbs or sight as a result […]

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OPT Insurance Best Option for Safe Training Period

If you’re an international student looking at graduating and enjoying your Optional Practical Training period, remember that to enjoy life on OPT, you need to ensure your peace of mind by purchasing adequate OPT health insurance. Once you graduate, you will not be a full-time student and your health insurance will also likely expire. That is in case you purchased international student health insurance through your college or university. If you purchased student health insurance from outside, you might still be eligible to continue coverage, or easily switch over to a different plan. Check that with your insurance provider. Since […]

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Pack Your Visitor Insurance Before Travel

Flights from different parts of the world are full of vacationers this time of the year. Baggage is packed with homemade delicacies and other “authentic” stuff from home, as international travelers travel around the world, often visiting relatives abroad. One thing many people fail to pack is visitors health insurance. This is a popular season for traveling to the U.S. from India. Many visitors travel around the country, but fail to realize that a single medical incident can wipe out their savings, or that of their near and dear. The healthcare system in the U.S. is very different from that […]

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