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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Navigating Choppy Waters Made Easy with Marine Crew Insurance

While navigating the seas can be an easy task for mariners, navigating the world of marine crew insurance may not! With a plethora of plans available, crews of marine vessels are often at a loss to choose the right plan. The first stop for any mariner must be their employer—most employers offer some kind of health insurance, although coverage may be woefully inadequate. Remember that yacht crew insurance needs to be valid throughout the world, in most cases. International Medical Group brings its Global Crew Medical Insurance plan, tailored especially for mariners who travel around the world. There are two […]

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OPT Insurance and Graduation: Time for Rejoicing, Reminiscing, and Reality

With students all over the country planning for their big graduation day, OPT health insurance is understandably not the top priority for most students. There is a festive and nostalgic atmosphere on most campuses and for international students, the feelings may be even more intense. After all, they are now entering the big bad world out there. It is important for international students to understand that after graduation, international student health insurance will become invalid. The international graduate who is typically on the optional practical training period must look for appropriate insurance. The first stop might be the college’s international […]

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Nanny Insurance 101: What to Look for

Hiring a nanny may require more costs than merely the cost of the premium—nanny health insurance is often part of the compensation package offered. There are usually two types of nanny insurance offered: long-term health insurance plans and short-term health insurance plans. Long-term insurance plans offer permanent coverage and also cover the nanny if he/she is affected by an illness such as diabetes or heart disease. This type of insurance is typically offered to nannies who plan to be employed for a long time—typically more than two years. Short-term insurance plans offer coverage for a shorter period and are ideal […]

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