Secure Your Dreams with Immigrant Insurance Plan

Immigrant health insurance plans are geared toward legal immigrants to the United States. Some plans, such as the ImmigrantSecure plan by Lloyd’s of London, are fixed benefit plans. ImmigrantSecure, like most health insurance plans for immigrants, covers hospitalization, outpatient care, ambulance services, prescription drugs, emergency medical evacuation, repatriation of remains, and AD&D. ImmigrantSecure offers four plans with different levels of coverage and deductibles. Those who are 80 or older must choose Plan A ($10,000 policy maximum for the age group). Those who are between 70-79 years of age can choose between Plan A ($25,000 maximum) and Plan B ($50,000 maximum). […]

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Extreme Sports Insurance Helps You Find Nemo!

International sports travel insurance is necessary for international adventure trips. Have you ever watched Marlin and Dory in �Finding Nemo� and wondered whether you might be able to observe such colorful fish? Unfortunately, these fish are becoming rarer due to climate change, but it�s highly probable that you can see the vibrant colors of the underwater world if you scuba dive. Your standard international insurance policy usually lists hazardous sports as exclusions. You have to purchase additional hazardous sports activity rider to cover activities like scuba diving. If scuba diving is included in your adventure activity itinerary, then ensure that […]

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Learn Lessons of Insurance When You are a Traveling Student

It’s that time of life when the world is at one’s feet! The young, especially students, generally have that feeling of invincibility, so group travel insurance will be the last thing on their minds when they plan a trip. But parents, who have probably experienced the problems that travel can bring, should ensure that their children are adequately insured. If the students are on a study trip or leisure trip which covers more than one country, then international travel health insurance is a must. Parents should check from the tour conductor about the type of insurance cover taken. Ideally, it […]

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Peace of Mind, Guaranteed

A new immigrant with a pre-existing condition is often discouraged by the process of purchasing immigrant health insurance. That may even result in the immigrant not purchasing insurance of any kind. Needless to say, insurance is nearly a necessity in the United States -be it visitor medical insurance, international student health insurance, or immigrant insurance. To ensure that people do not go without insurance, special plans called ‘ ‘guaranteed issue’ plans are mandated by some state governments. Basically, it means that no applicant can be rejected on the basis of his/her health. However, applicants can be turned down for other […]

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Care for Yourself During Visits with Insurance

When you have dear ones visiting the United States or Canada, it is important that they apply for a visitor�s medical insurance policy. There are many policies with different benefits and premiums and one should explore all of them before deciding on the policy most suited to your visitor. One such policy is the Visitors Care policy provided by IMG. It provides coverage to anyone visiting the United States or Canada from any other country. The period of coverage is one year and there are three benefit maximums -$25,000, $50,000 and $100,000. There is a choice of deductibles: $50 or […]

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Insurance Helps Ride the High Wave with Confidence

It is imperative for people who indulge in hazardous sports to be well informed about travel insurance. Picture this scenario: you are watching the movie ‘2012’ with every scene generating horror at the pit of your stomach, and the guy next to you shouts, ‘Wow! every time he sees a tsunami wave. Don’t take him to task for his lack of empathy’he is an avid surfer and waves have that effect on him! Surfing is one adventure sport that takes the enthusiast to all the remote corners of the world. Be it Indonesia, Australia or Peru, a surfer wants to […]

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Insurance Helps Immigrant Dream of Health and Wealth

New immigrants to the United States are often at a loss when it comes to immigrant health insurance. They are either unaware of the need for health insurance, or are just confused by the many options available. To break it down simply, immigrant health insurance typically works like short-term health insurance. Some plans, such as Inbound Immigrant, offers the option of renewing the policy for up to five years, while others, such as Immigrant Secure, can only be renewed for two years. The premium increases by age, and decreases by the deductible chosen. Typical medical benefits include inpatient and outpatient […]

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Trip Cancellation Insurance: Family Comes First!

Buy yourself peace of mind with trip cancellation insurance. Imagine worrying about the cost of canceling your trip when your mother is seriously ill! Trip cancellation plans reimburse the non-refundable costs (such as airline tickets, cruise cost and prepaid hotel bookings) of your trip in case of cancellation due to various listed reasons. A very important clause of trip cancellation policy is this: “cancellation due to a sudden, unforeseen emergency, death or illness” concerning you, your close family member or traveling companion. The definition of “family member” differs by plan. Most plans define family members as those related by “blood […]

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Does Trip Cancellation Cover the Swine Flu Threat?

Trip cancellation insurance helps you to maintain inner peace when the outer world is so volatile. The topmost worry for any traveler these days is the H1N1 virus. The uncertainty of the virus and rumors of its mutation worldwide (like the black lung disease in Ukraine) further jeopardize one’s travel plans. Does trip cancellation insurance help if I cancel my trip because I’m afraid I might contract the swine flu virus? The answer is, unfortunately, no. Basic trip cancellation covers only those benefits which are expressly listed in the policy as a �named peril� and does not cover exclusions. For […]

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Pre-Certifying Medical Care Under Insurance

In most visitors medical insurance and travel health insurance policies, there is a requirement for pre-certification (for medical necessity) in case of hospitalization or surgery. Pre-certification is basically a permission you need to obtain�written or oral�from the insurance company before a said procedure is performed. This is a tool used by the insurance provider to control unnecessary medical procedures. In addition to hospitalization and surgery, some insurance providers insist on pre-certification for outpatient procedures also. Please read the document carefully before purchasing the policy. Before a medical procedure is performed, your representative, doctor or hospital is required to call up […]

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