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Boston, a Bargain Travel Guide
Made famous by Revolutionary events, infamous by cold winters, and both by the World-Series winning Red Sox, Boston has its fair share of reasons to visit. With such a reputation, however, comes high prices, and it has become increasingly difficult...
How Would YOU Like to Have a Travel Buddy Who Knows How to Pick up Girls!
Better yet how would YOU like to have a travel buddy who actually holds the World’s Record of the Most Girlfriends! Let’s go on a vacation, but this time lets skip, Ft. Lauderdale, Hawaii, Bahamas and Cancun. Let’s go where the girls love Western...
Time Your Trip Around Currency Fluctuations - The Cheap Way to Travel
Finding a cheap vacation spot abroad can be virtually impossible - everything seems more expensive these days, and vacations are no exception. So how do you find a bargain? One way is to plan your trip to a place that is experiencing currency woes...
Travel Tips - Bringing An Alarm Clock
Travel Alarm Clocks - Your Traveling Companion
A traveler may experience an uncomfortable feeling especially if
he's in a place with a different time zone than they have back
home. Every traveler needs his own alarm clock. Whether you are
on...
Traveling to the Canadian Arctic and Native Inuit Communities
There have been more travelers going to the Canadian Arctic region in recent years for both business and tourism. Adventure tourism companies are beginning to promote the Arctic as a unique destination to experience the natural beauty and wildlife...
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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.
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