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International
Travel and Health Insurance
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by: David
M. Schmader
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Embarking
on Your Dream Vacation
Are your Plans Complete?
Your bags are packed, passport
and papers in order and you
couldn’t be in a higher
state of excitement preparing
for travel to that wonderful,
exotic location. This is the
vacation you have planned it
seems forever. As you sit on
the plane, you and your
partner discuss for the
hundredth time the scuba
diving you will do, the
awesome rock climbing and
hikes into the rain forest.
Everything is perfect!
Life seldom gets better than
this.
Despite all the excitement of
travel, Americans do have some
concerns.
According to a survey by the
Chubb Group, more than 70% of
Americans surveyed said their
greatest concern when
traveling is suffering a
medical emergency...more than
double the fear of being
mugged (30.7%), three times
the fear of being injured in a
terrorist attack (23.4%).
What happens if a medical
emergency arises when
traveling overseas?
Many people assume that while
they are out of the U.S. or
Canada they will be covered by
their standard medical plan.
However, most traditional
health insurance plans are not
designed for international
travel.
According to the U.S.
Department of Commerce,
approximately 27 million
travelers board U.S. airlines
for overseas destinations and
almost 26 million foreign
travelers come to the U.S.
each year. However, many are
not prepared for a medical
emergency abroad.
Most traditional health
insurance plans would not
cover an unexpected illness or
injury during international
travel. But travelers with
international medical
insurance would have
protection for scenarios
ranging from a local ambulance
trip to an emergency
evacuation for care at the
nearest qualified medical
facility. Some even offer
repatriation flights out of
the country where the traveler
is located back to the US.
Available plans can cover
individuals or groups for
specific periods of time
abroad and can be in effect
should they be stationed
abroad for an extended period
of time. There are policies
for corporations to insure
their personnel, plans to
cover missionaries who are on
an outreach program and for
those participating in extreme
sports. International travel
medical insurance should be
considered for anyone
traveling or living abroad.
©David M. Schmader, Solon,
Ohio January, 2005
www.brownschmader.com
About the Author
David Schmader is an
independent broker agent
located in the Cleveland Ohio
suburb of Solon, Ohio. With
over 25 years of corporate
finance experience he
specializes in serving the
individual, professional and
small business markets.
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Great Gifts
from Japan -
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Japanese
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