You may have seen the terms ‘primary’ and ‘secondary’ policy tossed around if you’ve been looking at insurance policy documents - including travel medical insurance - and you may have wondered, “What’s the difference?” A primary policy is the one that pays first in the event that a loss is covered by more than one policy. A secondary policy pays second. In simple terms, if you hold more than one policy that covers the same loss, the primary … [Read more...]
US Visitors: Should You Go to Urgent Care or The Emergency Room
A visit to the emergency room means receiving immediate medical attention, but many of the medical services previously dealt with only by emergency rooms are now handled by private facilities known as urgent care centers. It’s important for visitors to the USA to understand that urgent care and the emergency room are NOT the same thing. There are very specific reasons for visiting one or the other and, sometimes more important, visiting the … [Read more...]
Top 10 Travel Tips for Seniors
Senior travelers are now traveling more than ever before. Most senior citizens in today's world travel to almost any international destination. Accordingly, seniors should always take extra safety precautions when doing so. By following a few travel planning tips - potential disasters or misfortunes can be avoided. Accidents can occur at any place, and injuries may take an extended period of time to recover from and be very costly. Being fully … [Read more...]
Taking a Cruise? Don’t Ignore Cruise Travel Insurance
The number of global passengers taking a cruise in 2013 is around 20.9 million, out of which 17.6 million departed from North America. For many travelers, a cruise is a once-in-a-lifetime experience. It is usually one of the most expensive trips a traveler can take, but it can get far more expensive if any mishaps happen, while you are away from the mainland at sea. As with anything else, there are risks and being prepared to handle those risks … [Read more...]
Your Rights as a Travel Medical Insurance Policy Holder
As a traveler to a foreign land – whether on holiday, a study tour, or business trip – you are entitled to certain rights as a travel insurance policy holder. The terms and conditions of the policy act as an agreement between the insurance company and the traveler. You can trust that the agreement outlined in the plan’s description of coverage will be honored by reputable insurance companies because the insurance industry in most countries, … [Read more...]
Top 5 Reasons Visitors Travel Insurance Claims Are Denied
When a travel insurance provider denies a claim, the insured traveler may feel a little resentful and angry. After all, the traveler purchased the insurance plan in good faith and they want their claim to be paid. Unfortunately, the impression among many travelers is that they can buy any visitor insurance plan and they’ll be covered for anything that goes wrong on their trip. That’s not how insurance works. Knowing what causes travel medical … [Read more...]
Medical Insurance for Russian Olympics 2014
Insurance for International Visitors to Sochi Olympics Russia The 22nd Winter Olympic Games and the 11th Paralympic Games are taking place in Sochi, Russia from the 7th of February, 2014, but the world stage is focused on recent terrorist attacks - including suicide bombings - and the continued threats of attacks during the games. Russian officials are claiming they will have the tightest security in history at the Olympic games, some of … [Read more...]
Understanding the Basics of ObamaCare
In 2014, the Patient Protection and Affordable Care Act, commonly known as ObamaCare, came into effect. Some of the impacts of this new law include: Everyone in the U.S. must be covered Higher availability of coverage for U.S. citizens and legal residents You cannot be denied coverage if you have a pre-existing medical condition Insurance companies must print plain language summaries of benefits and coverage Subsidies for … [Read more...]
The Affordable Care Act and Temporary Foreign Workers
The new Affordable Care Act (ACA), also known as ‘ObamaCare’, requires that everyone in the US have minimal essential health insurance - or else pay the penalties. The consequences of not having minimal health care coverage can be extreme: fees that increase every year after 2014 plus you have to pay for all of the costs for your medical treatment - even emergency care. It is important to understand that ACA is not government-subsidized health … [Read more...]
In-Network Vs. Out-of-Network Insurance Benefits
When you are exploring the different options for your health insurance, and are zeroing in on a plan, you might have stumbled upon the terms “in-network” and “out-of-network.” Have you ever wondered what they are? Should you care about these terms? If your agenda is to save money and not pay more, you should pay full attention to these important health care terms. When are You In-Network? Your insurance company has a contract with certain … [Read more...]
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