Insurance Follows Students Wherever They Go

College life is one of penury for most students, not just international students. Managing costs and looking for ways to save money are the hallmarks of a student, and health insurance for students is an area where students can save money without sacrificing the quality of coverage. Purchasing college student health insurance from outside the college/university is not just the domain of the international student. Some U.S. students may find that their parents’ plans don’t cover them anymore. The Assurant Student Select insurance plan offers affordable coverage for students studying at a U.S. university or college. The plan offers a […]

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Show Me the Money: Insurance Payment Details

Seeing the money when you have to make an insurance claim can be confusing if you are not informed about how to make claims. It also helps to know how visitors medical insurance and other claims are processed. The first thing that you must do when you want to claim is file a notice of claim. This simply means calling up the insurance company and telling them what the coverage loss was under (for example, medical expenses). For travel insurance, you must also be ready with the name of the tour organizer, the dates of the tour and the amount […]

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Be Safe, Not Sorry: The U.S. Visitor Health Insurance Mantra

Parents visiting the United States look forward not just to seeing the sights and sounds of a new country and culture, but also to spend time with family. While some families may not travel much, others have extensive travel plans within the U.S. Often, visitors assume that visitor health insurance is not necessary if there is to be no travel within the U.S. However, ignoring visitor medical insurance can backfire badly. Just a single trip to the doctor could set back the visitor (or his/her sponsor) by several hundred dollars, at the minimum. Consider the case of George Katehis, who […]

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Guard Student Travel with Appropriate Insurance

Traveling abroad can be very exciting for students and understandably, student travel insurance is usually not their top priority. However, it is wise to protect travel investments by purchasing adequate insurance in case the trip does get cancelled, or medical issues crop up during the trip. While there are several cheap student travel insurance plans available in the market, what a traveling student might need is just basic coverage for trip cancellation and minimum medical insurance. Two of the plans that offer such coverage are the Patriot Student Trip Insurance and the Student Guard Student Travel Insurance plan. While both […]

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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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