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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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Planning a trip abroad? 5 travel insurance tips to maximize your vacation

Wanting to spend your summer months abroad? Planning an excellent summer family trip overseas? Don’t forget to bring travel insurance with you. There are many risks and medical issues that can occur while you are on vacation abroad and it is very important to prepare beforehand. In this article, we will discuss 5 travel insurance tips to maximize your vacation overseas.

Is your travel insurance policy covering your medical condition overseas?

Travellers with pre-existing medical conditions should take extra precautions while travelling overseas. It is highly recommended to visit your doctor and obtain prescriptions for any medications prior to your trip, while also remembering to check your current travel insurance policy to see whether or not you are covered for medical treatment overseas. If this is not the case, you should purchase another policy which covers your pre-existing medical conditions. Global Travel Insurance provides travel medical insurance plans for anyone, anywhere, and of any nationality or citizenship. Click here to read plan brochures. Contact Global Travel Insurance to obtain a free quote.

Planning on doing adventure sports? 

Travelling abroad to seek out adventure sports? It is important to know that you may need a personalized insurance package for such activities. As a result, it is recommended to obtain speciality coverage for you and your family. For detailed information and policy brochure, please click here. Contact us to obtain a free quote.

Are you travelling to the USA? 

Due to the high cost of medical treatment in the United States, it is very important for any non-U.S. citizens travelling into the United States to obtain medical insurance before leaving. Global Travel Insurance provides travel medical insurance for non-U.S. entering the United States for a minimum of 5 days, and up to a maximum of two years. Apply online to receive a free quote.

Does your plan include evacuation insurance?

The cost of emergency medical evacuation is very expensive, especially if you are visiting a remote or rural area. In case of emergency, make sure that your plan includes evacuation coverage to avoid potential high costs.

Travel insurance V.S. International Health Insurance Plans 

While travel insurance is designed to cover international travellers in a relatively short period of time, international health insurance plans aim to cover expatriates who are living and working overseas for an extended period of time. Please click here to obtain plan brochures. Contact Global Travel Insurance to obtain a free quote.

Obtain Travel Insurance from Global Travel Insurance 

At Global Travel Insurance, we offer travel insurance to citizens around the world. Global Travel Insurance offers insurance from a variety of reputable travel insurance suppliers. Get an instant online travel insurance quote now.

5 tips for luxury travelers in 2017

Gorgeous hotels, beautiful beaches, 5 star hotels and gourmet food are popular choices for luxury travelers. While focusing on the comforts of your trip is important, one should also think about having a unique and meaningful experience. As a luxury traveler, are you following the trends? In this article, we will discuss five tips for luxury travelers in 2017.

  • Mobile technology 

According to TripAdvisor’s survey, approximately 42% of travelers worldwide use smartphones to plan or book their trips. I would say for most luxery travelers, this number is probably quite low. Based on the study, Thailand and China rank top list of world’s most connected travelers. The use of smartphones, especially trip related apps, enabled international tourists to adapt the flexibility and freedom to travel. As luxury travelers, you will want to stay on top of tourists information before the trip. You should check with your cell phone carrier and purchase a travel plan for your trip, see if there’s a flat rate that will allow you to use your data abroad or simply purchase a sim when you arrive and put it into an unlocked phone.

  • Personalized local connections

Luxury travelers are often interested in a personalized and customized luxury travel experience. They may want local connections along with a one-of-a-kind vacation. For example, if you are going to visit Li river in China, it is recommend that you hire a local tour guide for a private tour, followed by watching a spectacular night show – the Impression Liu Sanjie. Directed by the famous Chinese film director Zhang Yimou, performed by all local residents, a musical of the legend of Liu Sanjie. This way, travelers will experience the most authentic culture and custom in China. You should talk to your hotel concierge for personalize travel experiences as well.

  • Best value accommodations 

There are many websites that provide best luxury hotels in the world. As luxury travelers, you will want to check out hotel packages on whether include breakfast,  spa, hotel chain credit, dinners, etc. Even the finest hotels offer special rates and discount. Many travel websites require membership (mostly free) to receive their updates about hotel offers and packages. You don’t want to miss out.

You may want to talk to a travel agent and read Tripadvisor reviews of the luxury accommodations that you plan to stay at.  The more sources of information that you can

  • Take travel medical insurance with you 

Once you are good and ready for your luxury trip, don’t let medical issues ruin your vacation. It is very important to obtain a comprehensive travel medical plan before you go. If you are traveling abroad for a short term trip and less than a year, it is critical to obtain travel medical insurance that will cover emergency illness or injuries abroad as these claims can really add up. Our firm offers several travel medical plans from various insurers and providers. We offer excellent Canadian travel insurance plans  for Canadians with provincial coverage and the IMG Patriot travel insurance coverage for citizens residing in most coutries around the world traveling outside their country of citizenship. The plans offer excellent emergency travel medical and evacuation coverage. We can also offer trip cancellation coverage to residents of Canada.

We also offer the more deluxe travel medical plan from BUPA travel insurance via our travel insurance web site if you reside outside of USA, Canada and Japan. You can be covered for single trips up to one year purchase an annual multi-trip plan for unlimited numbers trips up to one month per trip.

  • Travel Off Season

Traveling during the high season will always cost you more money, but did you know that some destinations have slow seasons that may be high season in other regions. You can usually gauge the prices by checking the plane and hotel rates in different dates. If you can, don’t travel during the holidays or school breaks and that luxury trip might even have a more budge price.

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.

9 tips Why should you get travel insurance

There are many reasons to purchase travel insurance. Here are just a few:

  • If you don’t get travel insurance, you are taking the whole risk on yourself. Why not pass that onto the insurer’s shoulders.
  • A serious sickness or injury can seriously jeopardize your finances. It is not unusual to see medical and evacuation expenses exceeding $100,000 USD.
  • Many countries insist that you provide proof of medical coverage before they will grant a visa.
  • Most domestic health insurers do not cover you when you leave your country of citizenship, so travel insurance is a necessity.
  • Many facilities will not treat you without proof of coverage or payment.
  • If you get injured or sick and you can’t get adequate medical treatment in the country or city you are visiting, who will pay for the evacuation to another country or back to your country of residence? You better have insurance because the costs involved in evacuation can be quite large.
  • If you are purchasing an expensive vacation, cruise and/or airline ticket, doesn’t it make sense to protect that investment
  • Peace of mind is a great reason to purchase travel insurance. Protect yourself and your family today!
  • The financial impact of getting sick or injured abroad without insurance can be devastating.

Don’t take a chance on your next trip! Get an online quote today via our travel insurance quote page and receive an instant confirmation via web browser and email.  

Many travelers do not take travel insurance on their trip

It has recently been reported by the UK press that one in four UK citizens do not take out travel insurance when they travel. According to Sainsbury Finance, nearly a third claim that they do not even need travel insurance while one fifth state that they can’t afford travel insurance. The poll was conducted recently of 1000 travelers for the company.

This means that 25% of travelers are leaving their travel plans up to chance and risk thousands of dollars in medical costs if they become sick or injured while traveling abroad. Traveling abroad with travel insurance will provide both peace of mind and financial security if an illness or injury strikes.

People who travel without travel insurance should know that a medical repatriation from the United States can cost 140,000 and an unpleasant stay in an American hospital or intensive care unit in Greece can reach up to $2,000 per day. You might only save a few dollars a day by not taking out travel insurance when you travel, but such a decision may also cost you thousands a day in uninsured medical costs. Taking out travel insurance is more important than taking your passport or baggage.

TFG Global Travel Insurance provides travel insurance plans to meat almost anyone’s budget and travel needs. All it takes is a few minutes to get a quote and take out a policy online from our wide range of travel insurance suppliers.

Where can I get travel insurance today?

You can get a quote for a wide variety of travel insurance plans for both business and pleasure from TFG Global Travel Insurance.

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

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.

Don’t take a chance on your next trip! Get an online quote today via our travel insurance quote page and receive an instant confirmation via web browser and email.