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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The Insurance Plan of a Hollywood Movie

A few days ago, I saw a wonderful movie on television, and the one thing I couldn�t help thinking was: I hope the protagonists had worldwide travel insurance, especially one that included trip cancellation insurance. The movie was �The Bucket List� starring Jack Nicholson and Morgan Freeman. In the film, the two terminally ill men, who befriend each other at a hospital, decide to embark on a journey around the world to fulfil a wish list, called the �Bucket List.� They encounter many adventures along the way, Hollywood style, but Morgan Freeman decides to turn back halfway when he realizes […]

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Chalking Up Insurance Plans for School Year Extension

International travel is beset by many uncertainties, and added to the mix, for many travelers, is the question of whether to purchase trip cancellation insurance. Especially this year, the outbreak of the H1N1 virus has thrown many travel plans out of gear, and trip cancellation and international health insurance are more imperative than ever. In addition, some insurance companies are jumping in to also rescue travelers whose plans have been disrupted by a specific event: the extension of the school year because of school cancellations after the outbreak of the H1N1 virus. Many companies offer school extension insurance as an […]

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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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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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Lessons from Samoa: No Travel Without Insurance

It’s something that wrenches the heart the news of a tsunami hitting the coast of Samoa and American Samoa, taking with it the lives of 176 people, and counting. Once again, a leading beach destination has been pounded and torn to shards. For those who suffered injuries, one hopes their international travel medical insurance will cover the costs of their treatment. As in the tsunami of 2004, tourists may also suffer from post traumatic stress disorder. Some international travel insurance policies cover PTSD,if you’re traveling to a beach destination in the Pacific, check out such coverage. Samoa‘s economy depends so […]

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Health insurance Exclusions – Individuals and Family

Exclusions are those conditions that the insurance plan shall not cover. All insurance plans have exclusions; there isn’t an insurance plan without exclusions. Exclusions are generally listed as a separate section in the policy certificate but in some cases, they can be distributed in various parts of the document. Look at the list of exclusions which is given in the policy brochure or the certificate. If the list is long, then it is mostly comprehensive. If it is not lengthy, then expect other exclusion conditions to be spread throughout the paperwork. All plans including international student insurance, trip cancellation insurance, […]

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International visitor health insurance coverage for thyroid patients

Thyroid complications can occur suddenly for individuals who are traveling abroad either for business, leisure or overseas studies. There are various factors that could lead to thyroid complications during travel. Typically visitor health insurance plans for US visitors will not be able to protect you from expenses incurred in treating such health complications during the overseas stay. You are advised to plan for taking care of your medical supplies and preparing for un-expected costs in event of a complication. Some travel insurance policies for US residents traveling overseas can cover sudden unexpected flare up of thyroid conditions. The coverage period […]

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Medicare Prescription Drug Plan Revisions

The Medicare Part D plans have changed the documentation regarding the updated cost and coverage of prescription drugs. There are significant changes in the policies and benefits as compared to the year 2006. Medicare Advantage drug plans still continue to offer coverage for some of the drugs under few brands. This limited coverage puts the enrollees to pay substantial costs from their own pockets and hence, many of them have resorted to changing their drugs. Medicare drug plans have a huge number of enrollees. While 17.5 million are registered for stand-alone prescription, 9 million are registered with Medicare Advantage drug […]

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Should I include the equivalent monetary “cost” of the airline ticket that I purchased with frequent flyer miles?

Generally the insurance companies will not insure tickets purchased with reward points or miles because no money has been paid. However, you should insure yourself for adequate trip interruption coverage. Make sure that you have purchased enough trip interruption coverage to cover the cost of an economy ticket home plus the cost of any unused, non-refundable land arrangements that you might lose if you have to interrupt your trip.

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