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8 things not to forget when traveling to the tropics
Copyright 2005 Dave Markel
Sometimes it is hard to pack for a place or climate that is new. When packing to go to the tropics there are some items that you don't want to forget.
1. Appropriate Identification: With tighter security these days it...
Avoid Air Sickness While Traveling
How to Have a Grand Time in the Skies
Even in the olden times, the problem of motion sickness had been
prevalent. In fact, it was even referred to as "camel sickness"
in the Bible, where the camel riders experience nausea due to
moderate...
Few Travel Tips on a Good Night Sleep
Having a good, refreshing night sleep is very important for those that travel a lot. It may not seem like a big thing, but business persons that are always travelling are often complaining about not being able to sleep enough because of their...
Identity Theft Protection and Awareness for Travelers
Identity Theft is one of the fastest growing crimes of the 21st
Century. As a traveler, you should know the unobvious ways that
you can become a victim of this serious crime and how you can
protect yourself and your family.
Travel plans are...
Travel To Stowe Vermont - Ski Vacation Capital Of The East
Nothing says New England like a small white church with it's steeple rising in the air high above orange, yellow and red hued fall leaves beneath a sky so blue that you can actually feel the cripsness of the fall air. One of these most famous New...
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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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