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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Visiting Europe on a Schengen Visa-V: More About Insurance

As with many rules, some of those who apply for the Schengen visa are unfortunately looking for ways to circumvent the rules regarding the travel insurance policy imposed by the Schengen countries. However, not only is it a bad idea, it is also illegal, and could lead to very serious consequences. Some applicants purchase insurance for Europe travel just for the visa application, and then proceed to cancel it. However, this is a very dangerous practice, especially for those with passports from countries which have a history of emigration. Consider the fictitious case of 22-year-old Arjun Shah, who traveled to […]

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Visiting Europe on a Schengen Visa-IV: Insurance Requirements

Travel to Europe can be fascinating, and is easier with the introduction of the Schengen visa. When applying for the visa, one of the requirements is to show the existence of travel medical insurance that fulfils the prerequisites imposed by the visa consulates. The international travel medical insurance purchased must provide coverage of at least �30,000 ($45,000) per person. It is important to buy insurance that will cover minor fluctuations in exchange rates. Coverage must also include emergency repatriation to the home country for medical emergencies. Any insurance claim must be recoverable in the Schengen area, which means that the […]

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Visiting Europe on a Schengen Visa-III: Documents Needed

After looking at Visiting Europe on a Schengen Visa-I: Valid Countries and Where To Apply, let us now figure out what documents are required (yes, travel insurance is among them) to apply for a Schengen visa. First, after you have decided the embassy at which you must apply for the Schengen visa, you must apply for the visa at least six weeks in advance of your proposed departure. Some of the common documents required for the Schengen visa are: Two passport size photographs. Please check the size and other specifications on the Schengen visa application form. Valid passport, and one […]

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Visiting Europe on a Schengen Visa-II: Where to Apply

Continuing on our series on the Schengen visa and the requisite travel insurance, when 25 countries are involved, the natural question that is asked is: Where do I apply for a Schengen visa? If you indeed require a visa (U.S. citizens do not need a visa to visit Schengen countries), you need to figure out your travel plans in more detail, including your first port of entry and your �base� or main destination. You must apply for the Schengen visa at the consulate of the country that you will visit for the longest duration; and if there is no main […]

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Visiting Europe on a Schengen Visa-I: Valid Countries

The rates of international travel and travel insurance are dropping due to the economy, but those with wanderlust have a bonanza in the form of the Schengen visa. The Schengen visa, or Europe travel insurance, has made travel across most of Europe easier and simpler, covering 25 countries in the European region. Remember, however, that not all European countries are part of the Schengen agreement to require a common visa. The United Kingdom, for example, has chosen not to participate in it, and so, if you want to visit that country, you will need a separate visa. The 25 countries […]

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Esoteric Insurance: All That Existed Earlier Is Not Pre-Existing

A pre-existing condition does not always mean lack of coverage when you purchase a short-term health insurance plan. Typically, in a short-term plan such as visitors� health insurance, the look-back period determines the coverage that pre-existing conditions are eligible for. Each U.S. state has laws that restrict the look-back period that insurance companies can mandate. So, if you had an episode of hypertension six years ago, when your daughter pierced her navel, and no symptom or episode since, you are not considered to have a pre-existing condition, under most definitions. Usually, international travel health insurance plans have a look-back period […]

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The Long Arm of Short-Term Insurance

The list of beneficiaries of short-term health insurance plans is quite long! Short-term insurance is not meant for travel; it can be used by people in different situations in life. The typical characteristics of a short-term insurance plan are the exclusion of maternity, eye, dental, and routine medical care. When options and benefits are added to the basic short-term insurance plan, its different avatars result. When trip benefits are added to the bare bones short-term plan, the resulting plan resembles an international travel insurance plan. Most international travel insurance plans also offer emergency evacuation benefits. Travel insurance whose duration is […]

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Nanny, Nanny, Which Insurance Should I Choose?

You have identified the perfect nanny,comparable to Maria of the Sound of Music, you think when she asks you about nanny health insurance. Will she be getting any? It can seem like a logical question, and something you need to be prepared for. First things first: It is better to include health insurance as part of the benefits package of a nanny. Financial trouble when medical issues strike can be a disaster for you and the nanny. Also, remember that you can get some tax credit for money spent on insurance for an employee. Remember that although the nanny may […]

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