Show Me the Money: Insurance Payment Details

Seeing the money when you have to make an insurance claim can be confusing if you are not informed about how to make claims. It also helps to know how visitors medical insurance and other claims are processed. The first thing that you must do when you want to claim is file a notice of claim. This simply means calling up the insurance company and telling them what the coverage loss was under (for example, medical expenses). For travel insurance, you must also be ready with the name of the tour organizer, the dates of the tour and the amount […]

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Free Travel Insurance for Children

When traveling with children, often the most common question asked is about buying a travel insurance policy for the children. Travel medical insurance for children is not very expensive, because of the low risk of illness that they pose. What’s more, some plans offer great coverage for children, including free coverage. The TravelGuard travel insurance plans feature free coverage for children aged 17 and under when they travel with a covered adult. That means that for every adult, one child (17 years or under) will receive free coverage. The TravelGuard Silver plan is basically a trip insurance plan, covering trip […]

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Guard Your International Travel with Insurance

International travel is fraught with uncertainties. TravelGuard’s Essential Expanded Silver trip insurance plan offers a travel insurance policy that protects you from unforeseen expenses related to the trip. As with most travel insurance plans, the TravelGuard plan offers coverage for trip cancellation and interruption, trip delay, and baggage loss and delay. Medical benefits up to $15,000, emergency evacuation, and repatriation of remains are also covered in the plan. TravelGuard also features a $500 benefit exclusively for the return air fare of an interrupted trip. This coverage cannot be combined with regular trip interruption coverage. They are separate benefits, and are […]

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Nanny Insurance 101: What to Look for

Hiring a nanny may require more costs than merely the cost of the premium—nanny health insurance is often part of the compensation package offered. There are usually two types of nanny insurance offered: long-term health insurance plans and short-term health insurance plans. Long-term insurance plans offer permanent coverage and also cover the nanny if he/she is affected by an illness such as diabetes or heart disease. This type of insurance is typically offered to nannies who plan to be employed for a long time—typically more than two years. Short-term insurance plans offer coverage for a shorter period and are ideal […]

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Insurance Debate Rages as States Prepare to Sue

Barack Obama may have overarching ambitions to ensure that the average American doesn’t go without health insurance. However, the bill that the uninsured American might be subject to fines if they don’t have U.S. health insurance by 2014 has run into rough weather. Several states, now 14 in number, have expressed interest in suing the federal government protesting this stipulation. The bill, as it stands now, looks to penalize all Americans, other than lower income Americans, in case they are found lacking in insurance. Also, employers who do not provide adequate long-term health insurance to their employees will also face […]

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Saving More with Green Travel

Green travel is the new buzzword these days and several destinations are beginning to realize the value in preserving the environment along with providing an awesome travel experience. Does this really affect the costs of international travel, which includes travel insurance policies, accommodation, and airfare? The general idea is that having an eco-friendly holiday means minimal damage to the environment, but maximum damage to the purse! This is fast becoming false, as the volume of eco-friendly tourism increases. The past decade has seen a nine-fold increase in eco-tourism. Airfare, probably the largest chunk of your travel budget, will still need […]

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Planning Your Own Short Term Insurance

Selecting a short term health insurance depends on the deductibles and the coinsurance you choose. In most plans, you can vary your insurance premium by selecting appropriate deductibles and coinsurance amounts. The deductible decides the amount of premium that you will be paying for the insurance. The premium also depends on the coinsurance, or the amount that you will have to pay for the first $10,000 (or the plan’s coinsurance maximum) in covered charges. If you want to pay a lower premium, this would mean that the initial amount (coinsurance) that you pay before insurance benefits kick in will be […]

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Longer Lines for Short Term Insurance

In a sign of the times, companies are expanding their short term health insurance coverage. Several companies have recently announced the extension of their short term health insurance plans to other states where they were not present earlier. This indicates a trend toward short term coverage for people who are out of a job, and so, do not have long-term health insurance. Trends also indicate that more people are moving from being uninsured to purchasing short term health insurance. While this is a healthy trend, it is best to purchase short term insurance as soon as earlier coverage ends. Having […]

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Travel Back Centuries in Style with Europe Trip

When visiting the great cities of Europe, you certainly want to be covered by adequate Europe travel insurance. While the terms of Europe travel insurance might be similar to that of generic international travel insurance, the plans are usually tailored to satisfy all visa insurance requirements. When visiting Europe, you don’t want to travel around the whole of Europe unless you have a long vacation planned. Europe is so vast and diverse in its culture, that you would want to take time savoring the different sights and sounds of Europe. The countries that are uppermost on travelers’ itineraries is France, […]

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Assurant Insurance Coverage for Those In-Between

The economy is sure looking up but for those who have borne the brunt of the recession, short term health insurance may still be the best option for healthcare financing. There are several short-term health insurance plans available in the market, including Assurant’s Short-Term Medical. The plan may provide just the coverage you need. The plan is part of Assurant’s network of health insurance plans, and is ideal for coverage of less than six months, with no pre-existing conditions. To be eligible for the plan, you must be less than 65 years old and your dependents must be under 18 […]

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