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Educational Travel Planning
Planning your own educational trip
If it's just for school, for your kids or for the neighborhood
kids, it's nice to have a purposeful educational trip that will
surely be enjoyed by the children as well as teach them. Of
course there is the...
How to Ease Travel Sickness this Summer
Travel sickness, whether brought on when travelling by air, sea or car is a nightmare. If you are unprepared then the resulting mess and smell can affect other people, spreading almost like a virulent virus. On a plane or in the car the smell can...
RoomSaver.com Travelers Prefer More Than One
September 21, 2005- A recent poll of RoomSaver.com's Travel club members reveals that the majority of the respondents prefer to take more than just one trip per year, stay more than just 1-2 nights per trip, and travel with at least one other...
Travel and Vacations: Orlando, Florida Sightseeing
Orlando, Florida is a mystical land where everything is blown out of proportion. Leave everyday world behind when you visit Orlando, Florida because this is where the magical Seaworld is, Skull Kingdom, Wonder Works, Ripley's Believe It or Not, and...
Traveling ! Be sure to have a valid passport.
Please be sure to have a valid passport when traveling. Check your passport before your trip to be sure your passport is not expired or you need to change your name. Be sure to apply for a visa if you intend to visit a country that requirez one. For...
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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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