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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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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