travel insurance US

Five reasons why travel medical insurance for parents visiting the USA is important

Moving to the United States is a wonderful and exciting opportunity. Whether you are moving down there for school or work, the adventure is sure to be a memorable one. Once you’ve made the move to the United States, having your parents come to visit you will be an amazing opportunity for both you and your parents.

It is very important to remember to obtain travel medical insurance before travelling into the USA. Medical care costs in the United States are some of the most expensive in the world, and having an unexpected emergency can cause a tremendous financial burden.  Although an emergency can happen at any time, purchasing travel medical insurance will lessen the financial burden, and allow you and your family to focus on your recovery.

1. Obtain a comprehensive travel insurance policy

While travelling into the United States, it is highly recommended that you obtain a comprehensive travel insurance policy. This will ensure that you are covered properly for any emergency that may arise while you’re away on your holiday. A comprehensive medical plan will allow coverage for medical emergencies, coverage for pre-existing conditions as well as medical evacuation. The first thing to ruin a wonderful holiday will be an unforeseen emergency and not being able to pay the medical bills. This allows you to enjoy your holiday stress-free.

2. Buy separate insurance policies for both parents

We recommend obtaining a separate policy for each of your parents. When you purchase two separate policies for your parents, there may be a slightly higher cost for your medical coverage; however, you will have much more control. Whether that be the ability for one person to leave the holiday earlier then expected, or even if you are needing to cancel one parents’ coverage, two separate policies allow for flexibility and convenience.

3. Purchase a policy with the highest possible maximum

Naturally, the higher your coverage maximum is the more beneficial it is for the person needing coverage. That goes hand-in-hand to a higher cost for the travel insurance policy; however, the peace in mind knowing that you are fully covered for any emergency is seemingly priceless. Factors such as duration of stay, age and lifestyle will have an impact on the maximum coverage you are able to obtain, make sure to check in with an insurance broker to find the best possible policy for yourself.

4. Annual vs. single trip coverage

When searching for the best policy options, you should keep in mind the number of times you are planning on visiting the USA. Are you going once a year or multiple times within the one year? If you are only planning on visiting once, your single trip coverage will be suitable. However, if you are planning on visiting more then once, you should consider obtaining annual travel insurance coverage. The benefit of obtaining a multi-trip coverage plan is that it is often much more cost-effective in the long run. Who wouldn’t want to save money while travelling throughout the year?

5. Other important considerations include

Although there are plenty of things to consider while purchasing travel insurance for the USA, a few other key important considerations to think about are payout time & requirements, amount of premium, available upgrades and your knowledge on knowing what is and isn’t covered.

Payout time & other requirements consist of knowing whether or not you need to fill out a report on the incident for your claim, and which documents are required for your insurance claim. Are you needing to pay out the claim with future reimbursements or will your insurance company pay the hospital directly for you?

Your premium amount is the amount your insurance company is requiring you to pay beforehand. Typically, the higher the premium the more comprehensive your coverage is, but other factors such as region, age and lifestyle will also affect the cost of your premium.

Certain accidents may not be covered under your coverage plan, and it is very important to understand before departure what is covered and what isn’t. Often, plans will have the ability to add upgrades to existing plans depending on your needs. A few of these options include high-risk activities (sport and adventure activities) & traveling with pre-existing medical conditions.

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Purchase travel insurance if you travel to hurricane prone regions

With hurricane Dolly barring down on southern Texas or northern Mexico, this serves as a good reminder to purchase vacation insurance that offers some protection for your trip costs should a hurricane strike. Millions of vacationers this year could lose their vacation deposits if a serious hurricane strikes where they are traveling. If possible, you should avoid traveling to hurricane prone regions such as Florida and the Caribbean. The hurricane season starts in June and usually ends some time in November. Unfortunately, many travelers are not aware of this.

Getting a vacation insurance plan that offers trip cancellation and trip interruption coverage in case of hurricane is a good idea. You should make sure that the policy covers you if your flights are delayed, if your trip is interrupted or cancelled by inclement weather or a hurricane at your destination. You have to make sure you read your travel insurance policy carefully as most vacation insurance plans have some hurricane coverage, but the devil is in the details. You won’t be reimbursed if you get to your destination and it rains for the entire stay. You should be normally be reimbursed if your flight is cancelled due to a hurricane for at least 24 or 48 hours.

Purchasing travel insurance to cover hurricanes can be a bit complicated, so it may be a good idea to contact your travel insurance agent to make sure you understand what is and is not covered. It is impossible for any travel insurance plan to cover everything.

You can keep track of the latest storms, resort closures, cruise cancellations and airport status at the National Hurricane Center’s web site. TFG Global Travel Insurance offers a variety of travel insurance plans which have some hurricane insurance.

Purchase baggage travel insurance

It has recently been noted in the news that the US Travel Insurance Association has urged Americans to purchase travel coverage for covering the delay. The Bureau of Transportation Statistics stated that the country’s largest airlines had a mishandled baggage rate of 7.35 reports per 1,000 passengers in the first three quarters of 2007. That is a lot of bags lost!

It is impossible to avoid the loss of you bags at some point in your traveling life. Sometimes the travel gods just conspire against you. Many travelers assume that the airlines must cover delayed baggage, but this is not usually the case. Airlines in the United States are usually liable up to $3,000 on domestic flights for damaged or lost baggage, but compensation for bagge delays in case of situations beyond the airline’s control, such as bad weather, is up to the individual airline carrier. Some carriers may just provide some simple toiletries and a small amount to cover other expenses. Finally, the delay may have to be over 20 days to constitute a delay.

That is why it is a good idea to get vacation insurance plan that covers baggage loss and delay. Some travel insurance suppliers offer baggage loss and delay insurance plans on their own.

If you are traveling, make sure that you leave expensive items that are above the baggage insurance maximum set by the insurer at home. You might want to keep that expensive watch or ring at home or in the safe deposit box.

If you have other things your would like to know about travel insurance, please contact us today.

Swine Flu Tips for Travelers

The recent swine flu or H1N1 epidemic that has caused a great deal of concern for people who plan to travel this year. The illness has also made purchasing travel insurance even more important.

To further assist you with information, the Centers for Disease Control (CDC) on its Web site, http://www.cdc.gov/, offers these precautionary tips on preventing the spread of the flu. Consult your doctor for more information or the CDC web site for up to date details and advice. Here are some quick tips that also apply to all flu and many other contagious illnesses:

Avoid close contact.
Avoid close contact with people who are sick. When you are sick, keep your distance from others to protect them from getting sick too.

Stay home when you are sick.
If possible, stay home from work, school, and errands when you are sick. You will help prevent others from catching your illness.

Cover your mouth and nose.
Cover your mouth and nose with a tissue when coughing or sneezing. It may prevent those around you from getting sick.

Clean your hands.
Washing your hands often will help protect you from germs.

Avoid touching your eyes, nose or mouth.
Germs are often spread when a person touches something that is contaminated with germs and then touches his or her eyes, nose, or mouth.

Practice other good health habits.
Get plenty of sleep, be physically active, manage your stress, drink plenty of fluids, and eat nutritious food.

Purchase travel Insurance before you travel.

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