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Posts Tagged ‘travel insurance’

Visitor Health Insurance Plans For Visiting Parents

July 12th, 2018 Comments off

It is very important for visitors to the United States to be covered under a health insurance plan. Especially parents who visit the country to meet their children and friends need to be insured as the medical costs in the U.S are very expensive.

There are a number of U.S visitors medical insurance plans available for visiting parents. The Visitor Medical insurance, Visitor Health Insurance and Non-U.S Citizen Insurance come under this category. These insurance plans have been underwritten with great care by famous U.S companies and all claims regarding them can be administered in the U.S. Not only parents but even students, scholars and immigrants can subscribe to these plans online.

Visitor’s health insurance plans have been specifically designed to meet the requirements of visiting parents. They can be utilized in the U.S as well as other countries. Many policies allow the insured to use doctors and hospitals in a US based PPO network, where direct billing may be possible.

U.S residents can avail the insurance company website to purchase a suitable plan for the visiting parents by providing a few details such as age, the maximum coverage needed, the extent of the coverage period required and citizenship, after which, appropriate plans show up on the website from which a preferred plan can be chosen. A few of the many health insurance plans include Inbound USA plan, Immigrant Secure Plan, Atlas America, Patriot America and Visit USA Plan.

Visitor medical insurance plans are designed to cover all expenses due to illness or injury in a foreign country. Parents can choose to purchase these plans either before the travel or during the travel. Purchase options are available from 5 days to three years.

The maximum medical coverage offered under visitor medical insurance plans ranges from $50,000- $100,000. They cover several factors such as doctor’s office fees, prescription drugs, emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment an as emergency medical expenses (both inpatient hospital and outpatient).

Even though visiting parents maybe healthy and fit, one cannot predict when an injury or illness may strike. Anything from a twisted ankle to a major accident could warrant doctor office visits, prescription medication, diagnostic tests and hospitalization, all of which lead to the bills piling up. A visitors insurance plan can give you peace of mind and safeguard against high medical expenses.

There are a number of visitor medical insurance plans that are suited to the requirements of visiting parents and after going through the details, a choice can be made. Thus it is recommended that every parent who is visiting a foreign country be medically covered in order to have a safe and pleasant trip.

Ray Sondeo often writes about Visitor insurance.

Why Medical Insurance For International Students Is Required

June 6th, 2018 Comments off

The advantages of International Student Insurance have accrued to thousands of students aspiring to overseas education, worldwide. The flexibility and extensive medical coverage ensures total medical security for overseas students. The extensive insurance coverage comes with the added benefits of awesome affordability and personalized customer-oriented policies.

The tenure of the initial coverage period of the policy is one year. The policy coverage could be extended to a period of 48 months by satisfying the requisite eligibility criteria. The policy pricing offers unique levels of flexibility even within the constrained budget of an overseas student.

The international student medical insurance policy conditionally covers the expenses of medical treatments availed by the policyholder. It also guarantees a bevy of added benefits and services, which are essential to the treatment. The policy coverage entitles the student to optimum medical care as well as essential prescribed services at no extra cost.

The International Students health insurance is accepted in prestigious medical providers throughout the world. This coverage ensures timely payment and extensive reimbursement of essential medical expenditures anywhere in the world. The effective coverage of essential medical services dismisses the need to arrange for cash during medical crises.

The Insurance policy facilitates prompt reimbursement of all medical expenses incurred by the policyholder. It covers medication and hospitalization charges and also the expenditure on prescribed drugs. Essential hospital service charges and advanced diagnostic procedural charges are also defrayed as per scheduled benefits. Radio detection, Intensive Care and essential therapeutic charges, if deemed necessary, are also covered by the policy.

Conditional dental coverage is also provided by the policy in case of unforeseen injuries to healthy natural teeth. The policy allows conditional acknowledgement and some medical benefits to pre-conditions after a certain period. Maternity clauses and prompt medical attention during termination of pregnancy are also covered by some insurance policies. Some policies also extend insurance coverage to include alcoholism, substance addiction and clinical abuse treatments.

The international student medical insurance also arranges for prescribed medical rehabilitation courses. It covers all requisite expenses during the medical treatment of epidemic or in quarantines. The insurance policy also covers treatment expenditures for unforeseen injuries and critical accidents. The policy can defray expenses incurred while procuring emergency medical reallocation and transportation services for the student. In unfortunate cases, it arranges for prompt medical evacuation and repatriation of remains.

The insurance for international students can cover almost every medical aspect of the treatment. Its policies can clear expenditures incurred from events like the minutest of diagnostics, to critical surgeries. Each day, thousands of students are accepting the benefits of anxiety-free studentship tenure, courtesy of the International student Insurance.

Ray Sondeo often writes about international student health insurance.

Travel and Your Finances

May 27th, 2018 Comments off

Traveling involves lots of preparations and careful planning. Issues such as your traveling health insurance policy should be priorities because overlooking them is a crime against your safety and well being.

Lots of travelers don’t even know that a traveling health insurance is a must, because they believe that their regular health policy remains valid even if they are out of town. Don’t make the mistake of learning the difference the hard way by paying lots of money on medical services. Medical services, loss of property, trip cancellation and lots of other situations can be covered by a combined travel health insurance policy policy.

There are even traveling health insurance policy plans that cover the costs of airlift if you require special Transport on the way back. Emergency services, hospitalization and various other unexpected incidents that involve medical care will get coverage too. Do not sign the traveling health insurance policy policy until you know all the details of the trip.

There are countries that require special immunization as a prevention service for travelers or tourists. This is usually the case with long-distance travels to exotic countries where there are viruses and diseases your body may be highly exposed to.

The health risks during Transport should also be taken into consideration. Pregnant women, children, senior citizens and lots of other categories of insured consumers need to be careful with the kind of traveling health insurance policy they select. There are definitely limitations to the coverage and the benefits, which is why you need to discuss things in detail with the insurer.

Pregnant women who are close to the delivery date should not travel by plane, and the travel health insurance policy policy may include special clauses for such user categories.

travel health insurance can be dependent by other travel insurance options. Many people choose to contract a single traveling insurance policy package to cover both health and property theft or loss. It all depends on how much risk you are willing to take and how much you want to assess.

The backpacker travel insurance, the baggage insurance, the cancellation insurance, the single or multi trip insurance are additional to a regular travel health insurance policy. Depending on the risk amount you are willing to take, such forms of insurance are optional.

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Travel Medical Insurance – Patriot Trip

May 19th, 2018 Comments off

Patriot Trip – Travel insurance comes into use if the pre-planned trip gets canceled in the middle due to unforeseen circumstances. This popular trip cancellation insurance plan covers a wide range of benefits like expenses incurred for advance booking of travel and other reservations during the trip, emergency reunion, personal baggage loss, repatriation of mortal remains, travel delays, emergency evacuation and medical expenses incurred including any requirement for dental surgeries due to an accident during the trip.

The patriot trip insurance coverage benefit helps you recover non-refundable payments and deposits or any un-utilized payments during the planned travel.

To be eligible for this travel health insurance policy which includes trip cancellation coverage benefits, the minimum cost incurred by the traveler for the trip should be $500, the destination should be at least 120 miles away from the point of start and the duration of travel should not exceed 30 consecutive days.

The trip cancellation benefits become effective from the midnight of receiving payment and the completed application form. Other coverage benefits of this travel medical insurance policy become valid right from the departure date of the insured.

The Patriot Trip – Travel insurance would end upon the date of return of the insured from the trip, or the planned return date in case of no interruption or cancellation, or end of coverage period as indicated in the policy or cancellation of the planned trip that is covered (whichever is earliest).

The Patriot Trip – Travel medical insurance plan offers full refund of charges if the travel insurance policy certificate is returned within 10 days of receipt and the insured has not departed for travel within these 10 days and no claims have been made so far under the purchased insurance plan.

The premiums rates of this travel insurance plan varies between every individual and the calculation is based on certain factors like total cost of trip, age of the individual and the other travelers accompanying the insured during the trip.

The pre-existing medical conditions are waived off for travelers who are less than 70 years old and have purchased this travel medical insurance plan within 14 days of paying the initial deposit to the travel agent. In addition, the insured individuals should be declared medically fit to travel on the date of applying for the Patriot Trip – Travel medical insurance plan.

Ray Sondeo often writes about travel insurance.

Visit USA Visitor Insurance Policies

May 17th, 2018 Comments off

As the name implies, Visit USA visitor health insurance plans cater to those people who are tourists or visitors the US. This visitor medical insurance policy covers the important medical exigencies or travel risks that may arise during an abroad trip.

Some of the important coverage offered by the policy includes emergency medical evacuation, illness, accidents and emergency assistance that may be required in a foreign land. In addition, dismemberment coverage and accidental death benefits are also included in the visitor insurance policy benefits. The visit usa visitors health insurance also covers any incidental travel that may arise during the stay to Canada or Mexico or US territories for a maximum period of 2 weeks (14 days).

The Visit USA visitor medical insurance policy are eligible for new immigrants, and J1 and J2 exchange visa holders who travel to the US for studies, pleasure or business purposes.

The validity of Visit USA medical insurance plans is typically for a year. The visitor insurance plan offers great benefits at nominal premiums. However, every insured should remember that the Visit USA health insurance plan cannot be renewed after the period expires. In order to continue coverage under this visitor medical insurance plan, the policy either needs to be rewritten or repurchased for the duration during which the insured requires coverage.

Cancellation of the visit usa insurance plan is possible only before the start of the plan and a written request needs to be submitted. A small cancellation fee would be charged. Refunds would not be given after the start of the plan. Plan benefits can be claimed per illness or accident during the validity period.

Direct billing for services is possible via the PPO network. This means that (at the discretion of the hospital) the hospital can send the bills for the medical expenses incurred directly to the visitor insurance provider.

It is always a good idea to go through the terms and conditions and exclusions of any plan you purchase. Pre-existing conditions are not covered under this Visit USA visitors insurance plan. These refer to the injuries, illness or diseases that exist at the time or prior to the start of the plan.

In case the visitors want to avail coverage for any hazardous activities during the trip, they should opt for this benefit as this is optional and excluded normally from the general Visit USA visitor insurance plan. Similarly, applicants can optionally choose basic accidental death benefit as a part of the coverage.

Ray Sondeo often writes about Visitor insurance.