Faster, Higher, Swifter with Extreme Sports Insurance

If you’re passionate about rock climbing, and have tickets booked for the awesome rock formations of Wharepapa, you’ll need more than the benefits offered by a regular travel insurance policy. You’ll need sports travel insurance that will cover injuries or accidents arising out of your rock climbing. The Patriot Extreme plan is one such plan specially tailored for extreme sports enthusiasts traveling abroad. Two plans—Patriot Extreme International, for U.S. citizens traveling outside the U.S., and Patriot Extreme America, for non-U.S. citizens traveling outside their home country—make up the Patriot Extreme offering. The plan is a comprehensive benefit plan, and carries […]

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Happy New Year with Loads of Travel with Insurance!

Here’s wishing you a happy new year! Whatever be this year’s resolution—whether to live healthy, or to travel more (or both)—ensure that you include adequate travel health insurance in your resolution. It is the most ignored aspect of travel, unfortunately. A recent survey conducted in Britain revealed that more than half the international travelers went on their trips without insurance. Along with the resolution to purchase insurance before every international trip, also consider the following resolutions: To always adopt clean and healthy practices when abroad. Remember that most infections and illnesses are caused by ignoring basic principles of hygiene such […]

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Insurance Removes Mental Stress of Short-Term Dental Cover

If you’re planning to live in the United States for an extended period of time (more than six months), you will realize the need for USA dental insurance. You will find that most short-term insurance plans do not cover dental care, except damage to natural teeth due to accidents. Regular dental check-ups, however, are necessary to maintain dental health, and it is a good idea to purchase dental insurance separately. There is a wide range of dental insurance plans available in the market. One such plan is the Secure DentalOne plan. The plan offers three coverage options, with differing benefits: […]

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Extreme Sports Insurance Helps You Find Nemo!

International sports travel insurance is necessary for international adventure trips. Have you ever watched Marlin and Dory in �Finding Nemo� and wondered whether you might be able to observe such colorful fish? Unfortunately, these fish are becoming rarer due to climate change, but it�s highly probable that you can see the vibrant colors of the underwater world if you scuba dive. Your standard international insurance policy usually lists hazardous sports as exclusions. You have to purchase additional hazardous sports activity rider to cover activities like scuba diving. If scuba diving is included in your adventure activity itinerary, then ensure that […]

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The Long Arm of Short-Term Insurance

The list of beneficiaries of short-term health insurance plans is quite long! Short-term insurance is not meant for travel; it can be used by people in different situations in life. The typical characteristics of a short-term insurance plan are the exclusion of maternity, eye, dental, and routine medical care. When options and benefits are added to the basic short-term insurance plan, its different avatars result. When trip benefits are added to the bare bones short-term plan, the resulting plan resembles an international travel insurance plan. Most international travel insurance plans also offer emergency evacuation benefits. Travel insurance whose duration is […]

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Nanny, Nanny, Which Insurance Should I Choose?

You have identified the perfect nanny,comparable to Maria of the Sound of Music, you think when she asks you about nanny health insurance. Will she be getting any? It can seem like a logical question, and something you need to be prepared for. First things first: It is better to include health insurance as part of the benefits package of a nanny. Financial trouble when medical issues strike can be a disaster for you and the nanny. Also, remember that you can get some tax credit for money spent on insurance for an employee. Remember that although the nanny may […]

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Extreme Activities Cry Out for Evacuation Insurance

Extreme sports can test your physical and mental endurance, and to ensure that exhaustion does not turn into tragedy, medical evacuation insurance is a must. One great example of an endurance race is the Marathon Des Sables, a 6-day, 151-mile race across the Sahara Desert. Participants battle extreme conditions to complete the marathon in aid of a non-profit trust in aid of Africa. One essential feature of the race is the insurance that is provided to all entrants of the race. Benefits usually include medical evacuation insurance, payment of medical expenses, and repatriation of remains. If you’re not the Morocco […]

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Insurance for Need But Not for Greed

David Beckham might be blessed with the best celebrity flat abs, but most ordinary mortals spend their entire lifetimes just trying to get into shape. Now, you might ask, what does U.S. health insurance have to do with reducing weight? The silent epidemic taking over the United States is obesity. One in three Americans can be classified obese and the figures are expected to increase unless we drastically alter our lifestyles and diet. In this vein, it is common for people to seek treatment for obesity and related complications. Will they be covered by health insurance? In cases of extreme […]

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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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The Fine Art of Reading the Fine Print-V: Procedures

For making claims under visitor�s medical insurance, one should carefully follow the procedures listed in the document. All medical procedures must be pre-certified by the insurance company. In case of emergencies this can be done within 48 hours of admission, or the medical procedure. Pre-certification can be done online or through a phone call. Let�s look at how medical care insurance works with IMG�s Visitors Care plan. Some policies allow the insured to visit any medical practitioner, while others have their own provider network. Doctors under the provider network charge a standard fee, whereas other doctors may charge more. In […]

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