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Alternatives for Business Travelers
"I'm coming home. I've been away too long. Been away so long. I'm coming home" – Ian Thomas, in Coming Home
I still recall my road warrior days. It seemed like every other week, I was hopping on a plane for Orlando or Vancouver or Palm...
Planning your Trip using Travel Tips
No matter where you're traveling or whether you're traveling by
car, plane, or train, you'll want to make sure that you arrive
there with everything that you need. You'll also want to save as
much money as you can in getting there. If you're...
Should You Purchase Travel Insurance?
The determination of whether you should purchase travel insurance is a determination of whether you want to assume nothing bad can happen during your travels, or whether should something bad happen you can adequately resolve these unforeseen events....
Travel Safety and Crime Prevention
There are so many times travelers neglect to consider one of the
most important things about traveling, which is SAFETY.
Vacationers are usually more focused on having fun and a good
time. People on Business Trips are usually thinking more...
Travel tips for your next Myrtle Beach Vacation & Insider Time Share report
Climate
The climate in South Carolina is generally mild and humid. Spring starts in March, and the beaches are busy by mid-April. Summer begins in May with pleasant balmy days that become quite hot before the season's end.
Autumn brings a...
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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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