Student Premiums Lining College Insurance Profits, Says Study

For students who are puzzled by the high costs of international student insurance plans, a recent report titled, ‘Student Health Program Baseline Report’ released in Massachusetts might offer some light. The report, released by the Division of Health Care Finance and Policy, states that Student Health Programs (SHPs) offered by colleges and universities in Massachusetts have a higher profit margin for their student plans than for plans for the regular public. The report has predictably caused a stir within the student community, as the school-sponsored plans are largely seen as being the top insurance choice, especially for international students. The […]

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Say Cheese with Confidence after Dental Insurance

One type of insurance for visitors that is often ignored at great peril is USA dental insurance. When visiting the United States, short-term health insurance plans do not cover dental care, unless it is required after an accident. However, dental care can be an important part of a person’s health, especially if the trip is expected to last over six months. For senior citizens and those with a higher incidence of dental problems, it makes sense to purchase dental insurance if their trip will last over three months. Remember that dental care in the United States is expensive. In fact, […]

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In Uncertain Times, Insurance Saves Cancellation Costs

In these recession-hit uncertain times, when travel across the globe has become necessary to save your business, trip cancellation insurance can save the day, and huge costs too! Let’s say that Chris, a small business owner, needed to travel from the U.S. to Mumbai on 27 Nov 2008 for an important business meeting, crucial to his company’s growth plans. Unfortunately, the previous day saw terrorists attacking a prominent hotel and other places in Mumbai, and India was on tenterhooks. All the airline tickets for Chris and his colleagues had to be cancelled (which were non-refundable), leaving him with a huge […]

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Massachusetts Immigrant Insurance Hangs in Balance

Immigrant Health Insurance has been a hot topic of debate in Massachusetts. The Patrick Deval-led attempt to introduce universal healthcare for all was met with loud cheers when it was introduced in 2006. The high costs of that plan are now being called into question, as the Massachusetts legislature is facing problems with funding for the plan. The bone of contention is the fate of nearly 30,000 legal immigrants defined as those legally living in the United States for less than five years, but are yet to become citizens who are more expensive to insure. The governor only managed $40 […]

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Is Multi-Trip Insurance Ideal for All Busy Travelers?

Busy travelers have unique insurance needs. Let’s say a small business owner who recently shifted her manufacturing to China makes several trips to the country. She also needs to visit Europe often for marketing meetings. She doesn’t quite know when she’ll be needed where, and usually has a secretary take care of the travel insurance policy for her. Just on the one trip that she forgets the insurance plan, she falls ill. That burns a huge hole in her pocket. Obviously, there must be a plan for people like her who make frequent trips abroad. There is, in fact, just […]

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Visiting Parents More Secure with U.S. Insurance

Here’s another real story: Parents of a friend were visiting from India, and a group of them had gone to California. They both had international travel health insurance from a reputed Indian insurance company, and had no previously existing conditions. Little did they know what was in store. They visited Universal Kingdom on July 4, and the crowds and the sun put in extra hours. It was exciting and tiring. Most of them were exhausted, except for my friend’s father, who could not sleep. He had slight tremors, and very soon, the condition went worse, and they had to call […]

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Game, Set and Match with Travel Sports Insurance

Let’s say you are traveling to the United States to participate in a tennis tournament. It’s bound to be a great event, and U.S. sportsmen are among the best in the world. However, remember that if you get injured, you will need to be covered. Traditional short-term international travel medical insurance may not provide the required benefit. What you need is sports travel insurance. You might want to check whether your current international travel insurance plan offers athletic coverage as optional coverage. This option is ideal for those whose travel to the United States has a significant component of competitive […]

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Without Insurance, Food Allergies Leave Bad Taste

Sometimes, international travel health insurance can leave a bad taste in your mouth. Let’s say your friend is traveling to Korea. Just as she starts to enjoy the strange culinary delights of the country, all goes downhill. While eating her dessert after a heavy dinner, she is hit by a severe allergic reaction that requires her to be hospitalized. She didn’t know about her allergy, but her international travel health insurance plan does not reimburse her. As a result, she has sworn off travel insurance. Her only complaint is that she had bought insurance for precisely such a situation and […]

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Res-Capades of the Recession

The recession has given rise to a new kind of traveler, and a word for him (or her): the res-caper. In a study conducted by a U.S.-based travel Web site, it emerged that around a fifth of the people who lost their jobs because of the recession are planning extended trips abroad with Australia being a top choice. These ‘res-capers,’ who travel internationally for various reasons, including trying to beat the recession, will spend $622 million on their international travel. About a quarter of the res-capers will use their severance package to fund their trips. However, an international travel insurance […]

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My Parents are Together – Shouldn’t Their Insurance Be Too?

If your parents are visiting you in the United States, you may want to start exploring insurance options as soon as their plans are finalized. One question several children ask is whether they must purchase separate visitor health insurance and visitor medical insurance policies for each of them, or a combined policy. In most policies, there is no difference in price between the two options. So it really comes down to convenience. Having two separate policies provides your parents with more flexibility. If one of them decides to return early or extend their stay, it is easier with separate policies. […]

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