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Posts Tagged ‘travel medical insurance’

Patriot America Insurance For Visitors

November 27th, 2018 Comments off

It is very essential that people who visit a foreign country take up a visitor health insurance. Medical costs are very high at countries such as the United States and bills can mount up to thousands of dollars even for a simple injury or illness. Purchasing a visitor insurance policy such as Patriot America Medical insurance is recommended.

All U.S citizens who desire to travel outside their home country are covered under the Patriot International Insurance. This plan can be purchased for a minimum time frame of 5 days to a maximum time frame of 2 years.

Patriot America Insurance is another visitor health insurance plan that provides coverage to non-U.S citizens who plan on traveling to other countries. The minimum coverage offered by this plan, is for a period of 5 days and the maximum coverage offered is for a period of 2 years. Both the mentioned plans comprise the Patriot Travel Insurance Plan.

The maximum coverage provided by the visitors insurance is $1,000,000 for non-U.S citizens and $2,000,000 for U.S citizens. For renewal options, the plan needs to be purchased at least for 3 months and the maximum renewal time is two years.

The plan offers a wide range of benefits for aspects such as – prescription drugs(up to policy maximum),emergency room accident(up to policy maximum), emergency illness without in-patient admission(up to policy maximum), hospital room and board (up to policy maximum), intensive care (up to policy maximum), outpatient medical(up to policy maximum),local ambulance(up to policy maximum), dental injury (up to policy maximum) and sudden dental pain(up to $100).

Even the factors of accidental death and dismemberment(up to $25,000), terrorism coverage(up to $50,000), identity theft insurance(up to $500), natural disaster($100 for a maximum of 5 days, emergency evacuation (up to $500,000), emergency reunion (up to $50,000), return of mortal remains (up to $50,000), returning minor children (up to $50,000), political evacuation(up to $10,000), sports and activities coverage(up to policy maximum for basic sports), trip interruption(up to $5000) and lost luggage(up to $250) are included in this plan.

U.S citizens can also access other benefits such as emergency medical evacuation for pre-existing conditions (up to $25,000), indemnity (up to $100) and sudden recurrence of a medical condition (up to $15,000).

The process to purchase visitor insurance like Patriot Travel insurance is very simple as all the forms are available online. The insured can seek treatment from any preferred doctor and can also avail First Health Network to help reduce costs.

International Health Insurance for Missionaries

July 22nd, 2018 Comments off

Various international health insurance plans have been designed for missionaries who travel outside their home country for work. Since comprehensive health coverage benefits are not provided by most of the health insurance plans which offer domestic coverage in their home country, the missionaries need to necessarily purchase an international health insurance plan while they travel abroad.

These international travel health insurance plans which are designed for missionaries provide coverage worldwide for both non US and US citizens who travel outside their native country. The policies can be purchases for a minimum duration of 10 days or a maximum period of 2 years during initial purchase. For longer periods, long term international missionary health insurance plans have been designed.

Many of the long term international missionary insurance policies place restrictions on the duration of stay in the US. However, certain specific missionary insurance plans do not place restrictions for these missionaries and their families.

International health insurance for missionaries offers a wide range of medical coverage benefits which includes doctor office visits, intensive medical care, local transport in the ambulance to the nearest medical set-up during emergencies, treatment of dental injuries which occur during the accident, emergency illness treatment with or without hospitalization, emergency evacuation, repatriation and reunion, accidental death benefits and return of mortal remains back to the homeland.

In case the missionaries purchase long term international missionary medical insurance plans, they might be eligible for coverage of pre-existing conditions, maternity and wellness after a specific pre-determined waiting period. Optional coverage for leisure sports, adventurous or hazardous activities are also available.

The effective date of the short term international missionary health insurance plans begins on the day the completed application form is received by the insurance provider along with the requested initial payment and the day the missionary departs from the native country. However, if a specific date is mentioned in the enrollment form, the effective date starts as mentioned in the application. Missionaries seeking for long term health insurance coverage should also submit a lengthy questionnaire along with the application form. Coverage period begins once the application is approved.

The international insurance policy remains valid until the date requested at the time of application or the expiry of the insurance policy or upon the return of the missionary back to the country of citizenship, whichever event occurs earlier.

Short term missionary health insurance plans can be renewed on a daily increment basis or a monthly basis and the request can be submitted as an application form or completed online. However, if the renewal period is less than one month, you have to submit the request online only and you would be charged a nominal processing fee. Annual plans can be renewed for as long as the insured continues to remain eligible for the plan.

Ray Sondeo often writes about international insurance.

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.

Travel Medical Insurance – Atlas International Policy

April 27th, 2018 Comments off

Falling sick while traveling to another country is a real concern for many travelers. To allay those fears, Atlas Travel Health Insurance offers short-term plans that are especially beneficial for those on holidays, business trips, and student exchange or similar programs.

With the Atlas international travel insurance plan, the plan holder receives medical benefits for inpatient and outpatient treatment. The plan includes ambulance charges and hospital coverage up to $100 per night at the hospital, and physical therapy. Coverage includes emergency dental treatment, and the cost of evacuation for emergency medical treatment. The hazardous sports coverage covers the cost of medical treatment if the insured gets injured when performing adventurous sports such as mountaineering.

Seniors often struggle with the terms of travel insurance because it excludes diseases previously detected. With the Atlas international travel insurance plan, those under 70 can still get such conditions covered in case of their acute recurrence. Also, if hospitalization results in an unattended child under 18, the plan covers the minor’s return home.

In keeping with the times, the plan also offers coverage for injuries resulting from acts of terrorism and natural disasters, and costs related to political evacuation. If an international trip is interrupted due to a catastrophic event that damages the home of the insured, the Atlas International insurance plan will cover his/her trip back home. In the unfortunate event of the death of the insured, the plan covers the cost of sending the remains home.

The plan not just covers travel, but also temporary trips home during the plan period, for up to a maximum of 15 days in 3 months. The Atlas insurance plan eases the transition on return by offering medical coverage for 30 days in the home country.

The travel health insurance plan also offers non-medical benefits such as lost baggage tracking and help with finding doctors and lawyers in case of need. The plan covers treatment (after the deductible) by U.S. doctors and hospitals that are part of the PPO network.

Applicants to the Atlas international travel insurance plan must be at least 14 days old. Plans can be for a minimum of 5 days and a maximum of 12 months, with options for extension. An Web-based client zone helps plan holders work with and perform tasks associated with the plan. Round-the-clock, round-the-world customer service is available through toll-free phone numbers.

Benefits of the Atlas international travel insurance plan range from $50,000 to 1,000,000. The premium varies with the age of the insured, maximum medical coverage and deductible. The addition of the sports rider will increase the premium.

Ray Sondeo often writes about travel insurance.

The Most Popular Annual Travel Insurance Plans

April 23rd, 2018 Comments off

Medical expenses in a foreign country can cost a lot and as such, any person who is planning a trip abroad is usually advised to purchase a Travel Medical Insurance which offers several benefits to a traveler when compared to just a domestic insurance which hardly includes any features for such trips.

Travel Medical Insurance usually covers several aspects like – emergency evacuation, accidental death or injury, trip cancellation, trip interruption, delayed departure, loss or theft of valuables, overseas funeral expenses, delayed baggage and legal assistance and medical expenses.

We can choose from the several travel insurance plans available, a plan that suits our requirements and covers all the necessary aspects.

For people who keep traveling abroad on a regular basis like businessmen, it is preferable to opt for an multi trip travel insurance instead of buying individual travel insurance plans for every individual trip.

The Annual Travel Insurance plan offers to cover our entire family for multiple trips abroad, with some limitations on the duration of each trip. It is also mandatory in most cases, to have a health insurance in one?s own country before applying for this insurance plan.

One of the most popular annual travel insurance plans is The Patriot Executive Plan. This plan offers comprehensive medical benefits. This plan can be purchased by any person who is below the age of 76. It offers coverage in all parts of the world except the insured?s country of citizenship for 1 year. All trips under the limit of 30 days are covered by this plan. The plan covers eligible sicknesses, injuries, accidental death and trip interruptions.

The Patriot Executive Plan is a good choice for people who want to access more features than what are provided in the regular travel insurance plans. This multi trip travel insurance plan covers a wide range of risks and can be taken by anyone below the age of 76. However, it does not offer coverage in the insured?s native country and also does not cover trips that extend for more than 90 days.

Apart from medical expenses and medical evacuation coverage the plan also offers coverage for hotel overbooking, collision damage protection for rental cars, credit card protection, trip cancellation and trip interruption. Annual travel health insurance plans are a great choice for frequent travelers offering them a peace of mind when they travel abroad.

Ray Sondeo often writes about travel insurance.