subject: Different Insurance Plans [print this page] Different Insurance Plans
When we travel, there is this blind aspect in a sense that we can never tell what may happen during our journey and this is why medical coverage is so important. The logical precaution is to have insurance, and for the majority of American travelers that is no particular problem since most employee insurance programs or other health insurance plans provide reimbursement for medical expenses incurred anywhere in the world. When it comes to this, you just have to ask about the situation of those without privately funded health insurance.
As of recent, American travel insurance policies can be availed of by these people. One Miami based insurance company, for example, offers a plan that pays up to $10,000 in medical benefits for an illness or an injury that occurs outside the United States, in the case of US residents, or inside the country, in the case of foreign visitors. The premium is $29.50 for the first week of travel and $20 a week thereafter. You will be assisted in this case for expenses not more than $10,000 but you have to pay for the first $50.
There is also a restriction that no payment is made if sickness results from a condition that existed up to 90 days before the policy was issued. Considering this, the coverage you will be provided with includes assistance for theft of valuables up to $500, death or dismemberment up to $100,000, trip cancellation up to $2,000, lost baggage up to $1,000, and baggage delay up to $100. In the case of travel insurance, the policies companies provide vary. If you get into an accident, you can rely on American insurance plans to reimburse you $5,000 in hospital expenses.
Considering this type of insurance plan, the amount that you will have to pay for 8 days of protection is $11.90 and this includes reimbursements for accidental death and dismemberment of up to $50,000 too. There is a provider which offers a policy providing $5,000 for medical expenses for accident-related injuries. One week of coverage amounts to $8.35.
If you happen to have your trip delayed because of a strike, the bankruptcy of a charter company or tour operator, or adverse weather conditions, several policies offer assistance for these. When it comes to emergency evacuations, you can be taken to a hospital within the area or one that is in your hometown. Amounting to $4 per $100 of coverage is the policy referred to as the Trip Contingency Protection policy. Most travelers would buy an amount equal to the cost of their plane ticket, which is what they would stand to lose should a flight be called off.
In this case, you can spend $10 a week for emergency evacuation services. Considering their trip cancellation policy offerings, it is entirely up to you if you want to buy it as weekly coverage or not. If you need some form of insurance, never consider only a single option.
Out of all these options, select three primary policies. In this case, never neglect to read the fine print. Some policies place a 90 day limit on such conditions. Any condition that has existed for more than a year will not be considered. What comes with various insurance providers from different states are different forms of coverage.
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