Springtime Is Approaching and International Travel Begins…

Springtime seems to be a time of planning for those incredible summer vacations that are about to happen.  Traveling overseas can be fun and exciting, but it is not without risk.  Visiting outside the United States may create challenges for your current healthcare program.  Brief trips or extended relocations expose you to risks which may not be covered by your current domestic medical insurance plan. It is prudent to procure International Health Insurance coverage prior to leaving your home country and traveling abroad.

For those who are U.S. Citizens who plan to travel or live outside the borders of the United States for extended periods of time – this can create potential hazards for you when you return home to live. Insure your insurability with the right international health plan before leaving your home.  Selecting the right plan is extremely important and if your travel needs may be longer than several months you may want to consider a long term solution.

The majority of U.S. based (domestic) health insurance provides minimal coverage when traveling abroad and no assistance services to the traveler. Policy language is often vague giving travelers a false sense of security regarding their medical coverage.

Travel Medical Insurance can provide you additional peace of mind while traveling outside your home country. The right travel insurance will include a broad range of coverage and services for any health emergency, such as:

  • Comprehensive medical insurance
  • 24 hour emergency assistance
  • Emergency medical evacuation
  • Access to quality, English speaking healthcare providers worldwide
  • Pre-existing condition coverage with certain plans
  • Online tools such as country and city health and safety reports
  • Coverage in case of terrorism attacks
  • Choice of deductibles and policy maximums and more

Three Plans to Consider…

The Atlas Travel Series from HCC Insurance

State of the art travel and emergency medical assistance services are part of every Atlas Series plan. In addition, the Atlas Series now allows you to extend and/or renew coverage for up to 36 months. The minimum coverage period is 5 days and the maximum initial coverage period is 12 months. After 12 months of contiuous coverage, Atlas International holders may renew their coverage, after which the deductible and coinsurance will need to be re-satisfied.

The Atlas Travel Series is not designed to cover pre-existing medical conditions, but some benefit are available for an Acute Onset of a Pre-existing Condition (see brochure to the right for complete details). The Atlas Travel Series provides important benefits including $500,000 of Emergency Medical Evacuation, Repatriation of Remains and Accidental Dealth and Dismemberment. These benefits are complimented by Travel Assistance Services unique to the travel medical industry.

The Liaison International from Seven Corners

From Seven Corners is the Liaison International Medical Insurance plan which is designed to cover you outside your home country from a few as 5 days to 187 days or less of coverage. Even if you have comprehensive medical insurance at home, such coverage may either be of no use to you or invalid while abroad. Liaison International not only provides medical coverage for conditions that develop or accidents that occur while abroad, but other valuable benefits such as emergency evacuation and assistance services as well. Your home country insurance company rarely offers these features.

The Liaison Majestic Travel Insurance from Seven Corners

From Seven Corners the Liaison Majestic is best suited for travelers while outside their fixed and permanent residence for 12 months or less and it is renewable up to 3 years. Simular in design to the Liaison International (plan above) the Liaison Majestic gives you flexibility to extend you coverage should you desire to stay outside your home country for more than 1 year.

Key Highlights:

  • Medical Maximum $60,000, $125,000, $600,00 or $1,000,000
  • Emergency medical evacuation – up to $300,000 (in addition to Medical Maximum)
  • Political evacuation and repatriation – up to $50,000
  • Terrorism – up to $50,000
  • Felonious assault benefit – up to $10,000
  • Waiver of Pre-Existing conditions – Up to $10,000
  • Travel Assistance available 24/7/365

If you would like to explore more information about International Medical Plans then visit our website at www.individualhealth.com.  Should you have questions email us at sales@individualhealth.com or call (619) 435-6700.

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