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Car Insurance Issues for Travelers
There are several insurance coverage issues when you drive a
vehicle that you do not own especially when traveling. Here are
some examples:
1. Even if you decide that your predominate means of
transportation for traveling will be by either...
Insuring Your Travel on a Shoe String
Cheap travel insurance isn't necessarily about who's asking the lowest premium. Cheap travel insurance is about knowing your choices, perusing all the options and discarding the coverage you don't need. If you end up with cheap travel insurance that...
Medical Information for Foreign Travelers
If an American citizen becomes seriously ill or injured abroad, a U. S. consular officer can assist in locating appropriate medical services and informing family or friends. If necessary, a consular officer can also assist in the transfer of...
Travel Guides- An Overview
Travel Guidebooks- An Overview
By Victor K. Prylesİ2005
http://www.paupertravel.com
(548 words)
You can get reliable, useful information from
guidebooks. Yet, some are better than others
and often, it's important to know what...
Travel Saftey - Using Intuition
"We've been robbed," I told Ana. "All of it." I grabbed the
thief, who was no longer acting drunk at all. It was a lesson in
travel safety.
It started when both my wife and I had a strong feeling we
shouldn't get on that bus in Cuenca....
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Japanese Overseas Travel Insurance
If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.
Some of the Japanese overseas travel insurance options include not only trip or annual medical emergency coverage for travel but also disability insurance, personal liability coverage and term life insurance. Japanese overseas travel insurance's medical coverage with some plans offers full (100 percent) reimbursement for prescription medicine, medical care for diagnostic purposes, hospital stay and even surgery. You'll also be covered in case of terrorism and an evacuation to your home residence in the event of medical or terrorist emergency.
One firm whose Japanese overseas travel plan we perused offered coverage for those over 80 years old, difficult to find. The minimum coverage time period for this plan is one week (seven days) with a one-year maximum, although it can be renewed for a total of three consecutive years of coverage. Coverage varies according to your age. You must be at least two weeks old for any coverage. If you are under 70 years of age you can choose coverage limits that range from $50,000 to $1 million. Folks between 70 and 79 are excluded from coverage that exceeds $50,000, while those 80 or older can only be covered to a maximum of $10,000.
Let's look at a couple of quotes to see the variation in cost for age, children, number of travelers, and participation in sports. We'll also look at the cost for non-U.S. citizens. The first quote is for a single U.S. resident 18-29 years of age traveling along for one year and not wanting the rider for sports coverage. A $1 million ceiling for Japanese overseas travel insurance coverage, with a $250 deductible, is $576. Reducing the ceiling doesn't seem like nearly as good a deal - the premium is $504, although increasing the deductible to $1000 reduces the cost to $403.20. That same Japanese overseas travel insurance coverage for non-U.S. citizens is several hundred dollars more.
For a couple both 30-39 years old with two children traveling with them, Japanese overseas travel insurance does not come cheap. Assuming U.S. residence and a $500,000 ceiling with $500 deductible the hefty price tag for this coverage is $1814.40. While this may seem excessive, consider the cost of medical coverage for one or more of you, or for emergency evacuation. You'll probably come to the conclusion that Japanese overseas travel insurance is inexpensive as compared to the alternative.
About the Author
Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit http://www.1-Happy-Traveller.com
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