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Informative Articles

Adventure Travel On Horseback
When you think of "adventure travel," what crosses your mind? * Hiking? * White water rafting? * Scuba diving? * Something as sedentary as a cruise ship or land rover safari? Those ideas lose their "adventure" status when you compare them to...

Tips For Business Travel
Guide to Business Travel Planning your business trip wisely will free you from lots of trouble. Inadequate airline seats, long lines, heavy traffic, and unavailable hotel rooms are just some of the problems a business traveler might...

Travel Kits - Basic Guide
A BASIC TRAVELLER'S KIT GUIDE Never be caught unprepared during a trip. Plan ahead and stuff your bag with essentials things you need. The better prepared you are, the more fun you will have on the trip. Here's a checklist of what should be...

Travel Tips: Preparing For A Vacation In Africa
There are many new and exciting things to see in Africa. There is no way anyone could possibly see everything there is to see in one trip. This is why travelers need to decide exactly what they want to see before taking their trip so they can book...

Travelling To Spain - The Spanish Regional Travel Guide
Up to 60 million visitors travel to Spain every year to delight in the country’s 315 sunny days and its rich and diverse history and culture. As a result the Spanish government spend millions of Euros per year on the travel and transport...

 
International Travel and Health Insurance

Embarking on Your Dream Vacation
Are your Plans Complete?

Your bags are packed, passport and papers in order and you couldn’t be in a higher state of excitement preparing for travel to that wonderful, exotic location. This is the vacation you have planned it seems forever. As you sit on the plane, you and your partner discuss for the hundredth time the scuba diving you will do, the awesome rock climbing and hikes into the rain forest. Everything is perfect!

Life seldom gets better than this.

Despite all the excitement of travel, Americans do have some concerns.

According to a survey by the Chubb Group, more than 70% of Americans surveyed said their greatest concern when traveling is suffering a medical emergency...more than double the fear of being mugged (30.7%), three times the fear of being injured in a terrorist attack (23.4%).

What happens if a medical emergency arises when traveling overseas?

Many people assume that while they are out of the U.S. or Canada they will be covered by their standard medical plan. However, most traditional health insurance plans are not designed for international travel.

According to the U.S. Department of Commerce, approximately 27 million travelers board U.S. airlines for overseas destinations and almost 26


million foreign travelers come to the U.S. each year. However, many are not prepared for a medical emergency abroad.

Most traditional health insurance plans would not cover an unexpected illness or injury during international travel. But travelers with international medical insurance would have protection for scenarios ranging from a local ambulance trip to an emergency evacuation for care at the nearest qualified medical facility. Some even offer repatriation flights out of the country where the traveler is located back to the US.

Available plans can cover individuals or groups for specific periods of time abroad and can be in effect should they be stationed abroad for an extended period of time. There are policies for corporations to insure their personnel, plans to cover missionaries who are on an outreach program and for those participating in extreme sports. International travel medical insurance should be considered for anyone traveling or living abroad.

©David M. Schmader, Solon, Ohio January, 2005
www.brownschmader.com

About the Author

David Schmader is an independent broker agent located in the Cleveland Ohio suburb of Solon, Ohio. With over 25 years of corporate finance experience he specializes in serving the individual, professional and small business markets.