• 24
  Jul
  2009

• Visitor Medical Insurance and Schengen Visa for tourists to Europe

  
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Residents of the US who hold citizenship of some other country can travel easily to 15 countries in Europe with Schengen visa. The extensive visa requirements include adequate proof of coverage of the traveller(s) with and international visitor medical insurance during the stay at any of the participating countries of the Schengen visa.

The other advantage of Schengen visa is that you can avoid the inconvenience of getting 15 different visas for 15 different countries. This means that once you obtain the Schengen visa, you can choose to travel to any of the participating countries without any hassles.

Schengen visa allows you to travel to Italy, Denmark, Sweden, Norway, Austria, Netherlands, Greece, Portugal, Luxembourg, France, Iceland, Belgium, Spain, Germany and Finland.

The visa also requires you to prove adequate coverage for various travel risks including repatriation and emergency medical assistance or hospitalization requirements. In case of a group of family, insurance coverage should be taken for the entire group of all the family members.

In addition, the validity of coverage for the entire duration of stay in any or all the European countries participating in Schengen visa would be assessed. You may also have to enquire the minimum coverage limit required for obtaining the visa by consulting your nearest embassy or consulate.

• 24
  Jul
  2009

• Instant International Medical Insurance purchase

  
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International students planning to study in the US can instantly purchase a suitable international medical insurance plan within a few clicks of the mouse. On purchasing the policy online, you would receive confirmation instantly over email. Otherwise, interested students can request for a free quote online for checking the rates and coverage benefits. Online renewal facility is also provided to the student in case the policy allows renewal upon expiry.

International students can also check with their university or college about the recommended as well as the required medical coverage. You may choose to purchase the recommended plan or shop around the net for a better deal provided your coverage criteria is met in the alternate insurance plan. You may also contact the alumni of the university where you have got admission and get their opinion on a suitable international medical insurance plan.

While some of the visitor medical insurance plans are flexible with the minimum period of purchase, some insurance plans require the individual to buy the policy at least for 12 months. Depending on the duration of stay, students can purchase a suitable visitor medical insurance policy.

International students who are planning to take their family or dependants along with them can purchase insurance for the entire family together in order to get best deals.

• 22
  Jul
  2009

• International travel insurance coverage for adventure sports

  
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Injuries or accidents while practising adventure sports is quite common. It is estimated that about 10% of travellers on an adventure sports vacation meet with an accident. Hence, it is very important for sports enthusiasts to avail coverage for any adventure sports like gliding, windsurfing, mountaineering, skiing, rock climbing, etc…

Check once you buy the insurance policy whether the coverage benefits are offered for adventure sports as some of the policies specifically mention about not covering for these sports in the exclusions section of the document.

Reports say that many insurers do not check the international travel insurance policy for the exclusions and pre-existing medical conditions. These are important for people to be aware under what circumstances they cannot claim reimbursement or they would not be covered.

Another problem is that many of the policies have not updated the coverage with the latest additions of the adventure sports and hence one has to be very careful while finalizing on the policy coverage and make sure that their particular sport is included in the coverage benefits.

Otherwise, tourists are at huge risk of incurring unmanageable expenses due to the dangers of these thrilling adventures! Without coverage, a vacation would turn from a paradise to a nightmare!

• 22
  Jul
  2009

• Medical Evacuation coverage with International tourist Insurance policy

  
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While planning for a trip overseas, it is important to buy an international tourist insurance policy that provides coverage for medical evacuation also. In case of a fall or a back injury, it is very important to be covered for evacuation; otherwise the cost of transportation to the medical facility where further assistance would be provided would be more than $100,000 which is too expensive for an individual to bear.

Simple falls can result in serious injuries like back bone or hip bone fractures which requires immediate medical attention, surgery and transport to the medical facility. Most of the people assume that the current medical insurance coverage would be sufficient for them. Ideally, one has to check whether only domestic coverage is provided which means the insurance becomes invalid if you travel outside your homeland.

Secondly, even if it is international coverage, one has to check whether only prescription drugs, hospitalization and doctor consultation expenses are only covered, which means evacuation benefits are not provided by the policy.

Without evacuation, safe transportation of the injured to the medical facility is not taken care and the insured has to still make his own arrangements or bear the cost on his own in spite of buying an international tourist insurance policy.