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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 Get Cheap Travel Tickets
HOW TO GET CHEAP TRAVEL TICKETS
With planning, foresight and a little bit of hard work, you can
go ahead and have that dream vacation the economical way. Here's
how:
*Search the internet, call airline agencies and watch the news
to...
Riding In The Lap Of Luxury Travel With A Virgin Island Yacht Charters
If you've never had the experience of being at the helm of a yacht as you sail through the crystal waters of the Virgin Islands, then consider making that your next vacation goal. A variety of yacht rental and/or vacation facilities are available...
Student Travel – Backpacking In Europe
For the fortunate few, life isn’t complete without a backpacking trip through Europe. This right of passage is believed to further the maturation process of college students, according to sociologists. Of course, others have opined that copious...
Travel Money Belts - Travel Security
Travel money belts are still a good way to carry cash. They're common, and thieves know of them, but it isn't easy to tell if your belt has a hidden compartment, and it isn't easy for a robber to get at it quickly. It is a good way to carry SOME of...
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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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