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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Over 65? Life, Insurance Offer Numerous Options!

Here’s a situation that was prevalent until recently: A senior, over 65 years, retired from work, done with financial responsibilities, and looking forward to traveling to far and distant lands. And international travel health insurance policies hard to come by for the travel. Reason? Insurance companies think that people over 65 are more likely to file claims during international travel. So, they either denied coverage, or raised the premiums to reflect the risk. However, several insurance companies are now waking to the possibilities of doing business with this demographic. Of late, several plans have started to cater to seniors, with […]

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Remember Travel Insurance to Save Your Memories

Imagine this: You are absolutely thrilled to be in a foreign country, taking in all the sights and sounds of the new place. You’re looking forward to the envious looks from your friends and family when they see your awesome photos. But what if your camera got stolen? Your travel insurance policy plan will not be able to help, will it? Matter of fact, it can! Most international travel and trip insurance plans feature some coverage for lost or stolen items. With digital cameras on the person of almost all travelers, a loss can put you back by a few […]

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Insurance Jungle: Conditions Regarding Pre-Existing Conditions

Whether you’re buying international student health insurance or visitor medical insurance, the insurance company will have some restrictions on medical conditions that the applicant already suffers from. However, it is important to understand the wording of such exclusions, as it might mean a difference between getting your claim approved and not. One visitors’ health policy may define a pre-existing condition as a condition that ‘would have caused a person to seek medical advice, or for which the applicant sought medical advice during the 36 months prior to the Effective Date of Coverage of the Policy.’ Another visitors’ health insurance plan […]

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The Nanny Diaries: Why Health Insurance is Necessary

Nannies provide peace of mind for couples who need help taking care of their children. To maintain that peace of mind, whether the nanny is from the United States or from another country, nanny health insurance is a must. Some nannies, especially those who are not U.S. citizens, may underestimate the need for nanny insurance, and may prefer an increase in pay instead, so that they can send money home. However, providing health insurance for the nanny is probably a better idea from your perspective and the nanny�s. Nannies who are non-U.S. citizens must purchase special insurance from specific companies […]

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Plan Multiple Trips, Buy Single Insurance Plan

Whether you’re someone who travels abroad a lot due to business, or just wanderlust, purchasing a travel insurance policy for each of your trips may be very cumbersome. In such a situation, consider purchasing annual travel insurance, also called annual multi-trip insurance. This multi-trip insurance plan is usually valid for a fixed number of days per year, and the insured is covered when traveling as long as the maximum number of days have not been reached. For example, if you take multi-trip travel insurance for 90 days, the maximum number of days you are covered abroad is 90 days. Most […]

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Greening Up Your Travel Insurance

A new trend that is sweeping the international travel industry is green insurance. What it means is a small addition to the price of the travel insurance policy. That money will be used to offset the carbon footprint of your travel. The money usually goes to an organization or people who are working toward reducing carbon emissions. Green travel insurance does not insure anything in the real sense of the term. It is a fixed cost added to the cost of your travel insurance policy. Several companies offer green insurance options, but its actual efficacy and logic are questioned by […]

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Insurance is All About the UCR, You See!

Every insurance policy�be it travel medical insurance, sports insurance, car insurance, or visitor health insurance�has a clause on UC&R fees, which stands for usual, customary, and reasonable fees. The policy usually covers charges that fall under established UCR limits. What are these fees? These fees are set by insurance companies. In the context of travel medical insurance, for example, usual fee refers to the fees charged by a doctor for the specific treatment. The customary fee, as the name implies, is the fee determined by the international health insurance plan administrator, and fixes the maximum allowable benefit for that treatment. […]

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