John Stone Senior Marketing Administrator
You may wonder why you should buy special travel insurance for your vacation.
It's not just your investment you’ll be protecting; you’re also protecting
yourself and your family. If you are involved in a car crash, injure yourself,
lose your luggage during your trip, become ill, have to cancel your cruise, or
are delayed en route and miss your connection, your ordinary insurance policies
may not protect you! While it's true that many cruise lines offer travel
insurance and some credit cards include baggage protection and flight travel
insurance, those policies are usually limited, and don’t protect you from many
serious risks. This is where Travel Insured International® can help you.
Travel Insured International® offers high quality travel protection plans. We
offer comprehensive coverage for you and your family, and with several plans to
choose from, you can be sure of getting the protection you need. Our most
popular product, Worldwide Trip Protector is a comprehensive plan that protects
you against most serious risks. Choose our Worldwide Trip Protector Gold
program if you are looking for large amounts of medical and evacuation
coverage. Airline Ticket Protector is the perfect plan to cover replacement of
your non-refundable airline tickets in the event you can not travel because of
illness or other listed reasons.
There is no co-pay or deductible, and all of our protection plans are primary,
which means that if you make a claim, we pay first, before your other travel
insurance plans.
Worldwide Trip Protector provides protection for many events that may occur
before and during your vacation. Included in the plan are benefits for trip
cancellation or interruption, travel delay, baggage delay or loss, death from
aircraft mishap, medical expense, and medical transportation, if needed. The
medical element of travel insurance is critical, since few health plans are in
effect outside their country of issue. In fact, many HMOs and PPOs reduce
benefits outside their local networks.
If you’re traveling abroad and need high medical and evacuation limits, take a
look at our Worldwide Trip Protector Gold. The plan also includes the benefits
of trip cancellation and interruption, lost or stolen baggage or travel
documents, baggage delay, and accidental death and dismemberment. Some of the
trip cancellation/interruption reasons included in both Worldwide Trip
Protector plans are; weather, injury, illness, termination of employment or
financial default of the airline, cruise operator, or tour operator which
results in bankruptcy or discontinued services, terrorism, and jury duty.
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Do I need long-term medical insurance when I travel?
Our long term medical insurance is designed for people, who don't have any
other medical insurance. Since most people who can afford it have health care
coverage in their home country, comprehensive travel medical insurance is of
interest primarily to long-term travelers who have no medical insurance, or who
are living and working outside their country of citizenship or permanent
residence.
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Who needs emergency travel medical insurance?
Travel medical insurance is designed for people who have medical coverage at
home, but whose health plan doesn't cover them while they are traveling.
Emergency travel medical insurance only covers emergency services abroad; once
you get home, you're on your own (or presumably, back under your regular home
coverage) for any necessary follow-up treatment or continuing care. Most health
insurance plans and health maintenance organizations in the U.S.A include their
own provisions for emergency care while abroad, at least for trips of less than
30 days. Check with your current insurer or HMO before you purchase an
emergency travel medical plan that duplicates your existing coverage.
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What is Medical Evacuation (Medevac) insurance?
Medevac insurance covers the cost of an air ambulance, attending physician and
nurse, etc. if you are injured or so ill that you can't return home (or get to
a suitable medical facility) on a scheduled commercial passenger flight.
Medical evacuations can cost tens of thousands of dollars. This is coverage for
the really big problems such as a helicopter rescue, which can run you in the
tens of thousands of dollars. It makes sense to buy this coverage if you're
going on an “adventure” vacation, or to an area where you'll be far from modern
medical facilities.
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Medicare does not provide for payment of hospital or medical services
outside the United States.
Medicare provides no benefits outside the United States, and Medigap only pays
for emergency care during the first 60 days you are outside the U.S. This
leaves retiree's traveling for 61 days or longer with only two options: buy
private coverage individually or through a group, or go without medical
protection.
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American Based HMOs and PPOs.
HMOs (Health Maintenance Organizations), while covering emergency room
treatment anywhere, generally provide other coverage only through networks of
doctors in your own state. PPOs (Preferred Provider Organizations) cover a
greater portion of your medical costs only if you go to doctors in network, and
again, the networks are usually only local.
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What does trip cancellation and interruption travel insurance cover?
Trip cancellation and interruption travel insurance covers the cost of
cancellation penalties or the cost of returning home if you have to cancel your
trip, or cut it short, for specified reasons. The reasons are weather, injury,
illness, termination of employment or financial default of the airline, cruise
operator, or tour operator which results in bankruptcy or discontinued
services, terrorism, or jury duty.
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Travel Assistance Service, a phone call away.
Travel Assistance Service provides a variety of Medical and Travel Assistance
services for individuals – services that no traveler should be without. Medical
evacuation and Repatriation, Medical or legal referral, Guaranteed hospital
admission, Translation services, Lost baggage retrieval, Inoculation
information, Passport / Visa information, Emergency cash advance, Bail bond,
Eyeglass replacement and much more.
