Are You Safe On Your Travel Plans?
One must not blame the reluctant traveler as he weighs if he can get full coverage
in the event of an accident or illness while vacationing abroad in this age of spiraling medical costs.The move that would make a lot of sense which many American voyagers get into now is ensuring that they are protected with the right kind of insurance that can now easily be availed from their employee insurance programs and also other private comprehensive health insurance plans that could easily reimburse them wherever they may be in the world and they incur medical expenses.
But then, how about the people like retirees who only get medicare sponsorship without private insurance protection or foreign visitors from other countries coming to the US learning that private policies they have would not be available for them? Now, both groups can avail of the American insurance policies for travelers.
Take a look at this Miami based travel agency, as a good example, which shoulders up to ten thousand bucks of coverage in any accidental injury incurred by someone in the US coming from a foreign country and of course to US citizens getting into a problem while vacationing outside the country.
They should pay the $29.50 premium for their first week in the United States and then a week after, they only have to pay $20. There is a deductible clause worth fifty dollars, tantamount to the fact that the first fifty dollars are not reimbursable but it is only the bills above fifty dollars but less than ten thousand dollars that will be.
A restriction stipulates that no payment will be given if the sickness springs from a condition that was there 90 days prior to the issuance of the policy. It is good to know that among the benefits of this policy, you can rely on payments for instances such as lost or delayed baggage, death or dismemberment, trip cancellation and theft.
A US insurance firm also gives a policy that gives up to $5,000 in payment for any medical bills inside or out of a hospital for any accident related injuries as part of the policy that covers instances like death and dismemberment up to fifty thousand dollars.
Arm Coverage, which is in New York, shoulders up to a thousand dollars worth of medical bills reimbursement and it would not matter whether the person needed to be hospitalized or not, and neither will it be concerned if the problems arose from a sickness or an accident.
For the small price of $25.50, good for 7 to days, you can avail this policy that can provide you with maximum coverage on accidental death and dismemberment, double indemnity in certain cases only and even security for your travel belongings.
In addition to the risks already mentioned, there are policies that offer reimbursement in case a trip is canceled or interrupted because of adverse weather conditions, a strike or the bankruptcy of a charter company or tour operator, such coverage is called trip contingency, and policies that offer emergency evacuation or transfer to a competent medical facility or even to one's hometown, if local doctors deem it necessary.
When dealing with tourists entering USA, for instance, when a man from Europe comes in, even if he is well protected by a government health program, this will not reach him when he is out of his country and an emergency situation strikes.
But then sadly, he or she will not manage to buy a private policy even if firms selling insurance abounds since these are mostly offered only within US borders.
Concern for such foreign visitors prompted the research that led to this survey. Just several months ago or less, two different readers were asked on different occasions, if they could give information on any company that offered temporary health insurance to people from other countries voyaging to America.
One of the readers aver that she had long been asking her elderly aunt from Prague to visit her in the US but then she was reluctant as she might incur high costs when she encounters a disease or injury.
On the other hand, the other reader shares that while he would like to bring his relative to the US, a retired engineer in his 80's who is also his only living Russian relative, he fears that he might get into a heart attack again which meant having to spend on more than a few thousand dollars.
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