International travel can be an exciting adventure, but it can also bring many unpredictable medical situations if you should have an accident while you're abroad. We provide people of ALL COUNTRIES - U.S. citizens and non-U.S. citizens - with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need travel health and accident coverage for a vacation, or group coverage for employees in locations around the world, our site has a product to meet your needs. By utilizing our Travel Quote system we can quickly direct you to the plan that will best meet the accident and health insurance needs of your family or business while traveling abroad. The link above will lead you to product descriptions of the international medical plans we offer. You have the option of purchasing online or downloading an application and submitting the completed application via fax or mail.

Travel accident insurance is not just for individuals, students, or families that are traveling abroad. It is also for organizations or missionaries or business men or woman who will be out their home country for any amount of time.

United States citizens will discover that travel accident insurance is actually less than what medical insurance costs in the U.S. People who are not U.S. citizens find travel accident insurance an absolute necessity, especially when coming to America, without it, a foreigner in the US would most likely not receive the correct treatment should a serious condition occur.

Begin with your Travel Quote .

Travel Insurance - Trip Cancellation and Health Insurance

Most people don't really know what they're looking for in travel insurance they just want something to take care of them in case they can't make the trip or if something happens to them while on the trip.

Trip cancellation and medical travel policies are the simplest types of travel insurance.

Cancellation insurance allows travelers to cancel a trip at the last minute withoutlosing all the money they paid for the trip. Medical insurance provides coverage when you are traveling overseas. Other plans cover emergency evacuation, loss of your baggage, some kind of travel delay.

The plans no traveler wants to think about: kidnap and ransom coverage, acidental death and dismemberment.

What's the cost of travel insurance? Say you're a 40-year-old taking a trip for a month. If you wanted $100,000 worth of medical coverage with a $250 deductible,thepremium would be approximately $100. For trip cancellation that requires no deductible, you would pay a premium of approx. $100 for a trip that would cost you $3,000. If you intend to spend $5,000 on your trip, the premium would be approximately $168.

Given the world situation, you may want to add war and terrorism coverage. There is a catch-it won't be cheap.

Choosing to buy travel insurance depends a lot on what kind of person you are and where you are intending to go.

People under 50 are most likely to buy medical insurance. Usually older traveler's buy trip cancelation plans.

For an example, in Europe, you may not need travel insurance where health-care quality in like the US. But some of the policies, such as emergency evacuation, might be worth looking into for certain kinds of travel.

When you decide to travel, you take the chance of lost luggage, flight cancellations, reservation cancellations, theft and many even more situations which can cause anxiety.

When you plan a vacation, it is stressful enough without having to worry about something going horribly wrong while on vacation. Purchasing travel insurance will assure that you are compensated if anything goes wrong on your vacation.

About the author: Copyright 2005

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Author: F K, RN

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