List Categories | List All Articles | List Articles By Title
Do I Need Travel Insurance?
In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care plans-HMOs, PPOs and PPG's. For some travelers, they may have Medicaid, and for those over 65 years have Medicare. All of these different types of plans have many various benefits, costs, deductibles, exclusions and restrictions.
So think before you travel and check your existing health policy to see what it pays for. It may reimburse you for up to 100% of the cost of emergency medical care when you're out of the country, of course, excluding any deductibles or copayments.
For nonemergency care overseas you may be covered but probably will have to call your insurance company or HMO in the United States for all for treatments that need to be authorized.
Check with your health plan about this before you leave home because failure to get authorization from your HMO or insurance company may mean you will not get reimbursed if you later file a claim.
If your health insurance policy doesn't cover your medical cost abroad, or you do not have any coverage whatsoever, then you should consider purchasing a travel health specific insurance policy.
Even if your present health insurance will pay doctor and hospital bills when you're out of the country, you may want to purchase a travel insurance policy to get other important benefits such as coverage for air ambulance transport and on-site medical expense payment.
With some specific diseases like diabetes, COPD, epilepsy, etc when you're traveling it may not be covered so make sure you first speak we your health insurance agent before you travel and then see what is covered.
When my father travels he does get travel insurance, not for the benefit of the health insurance, but just in case he does get ill and unable to take the trip at the at the time he supposed to travel. This way he can get his money back.
You may reprint this article as long as you keep the links active
Who Else Wants to Understand Travel Insurance Policy Language?
Aren't all travel insurance plans basically the same?No. When you read travel insurance policy language, remember that as with any legal document, the definition of the terms is what governs the working of the policy (including payment of the claim).
Finding Fast Life Insurance
Since the widespread growth of internet usage and database building it's never been easier or quicker to find fast life insurance. There was a time not long ago that the project could drag out forever.
Discount Auto Insurance
Whether you are looking for car insurance in Canada, the USA, or somewhere else, finding discount auto insurance can save you plenty of money. The first thing you need to do is get auto insurance online quotes.
Theres No Problem Getting Texas Auto Insurance in Texas
Everything is big in Texas and so it is with Texas auto insurance. You will have a tough time driving in Texas if your car is uninsured.
How to Shop for Individual Health Insurance
If you find yourself in the position of shopping for an individual health insurance policy, there are certain things you'll want to keep in mind. Whether you are coming out of a job that covered you before, or are at the end of your COBRA benefits, or simply have never had coverage before there are things you can do to get coverage on yourself and your loved ones.
Home Insurance Terms
Home insurance, or even homeowners insurance, is an insurance policy that combines insurance on the home, its contents, loss of the use of the home (additional living expenses) and, typically, the more individual possessions of the homeowner, as well as liability insurance for accidents that can transpire at the home.The cost of homeowners insurance scales upward depending on what it would cost to replenish the home, and which extra "riders", meaning extra items to be insured, are bound to the policy.
How Does Credit History Affect Car Insurance Rates?
Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates.
Auto Owners Insurance - Do You Really Need It?
If you think you don't have any need for auto owners insurance, just consider the answer to this question. How would you manage to pay the medical bills of someone who gets hurt in an accident when you are at fault? If you do not have an unending supply of money, then you definitely need auto owners insurance.
Insurance for Those Who Run Bed and Breakfast Properties
A Bed and Breakfast, often referred to as a B&B, is a private residence with several rooms of which are set aside for overnight guests whose paid accommodations include breakfast. Modern Bed and Breakfast often consciously tries to recall earlier days - they are generally established in charming older houses which have been refurbished and adorned with antique furniture.
Choosing Long-Term Care Insurance
A little over sixty percent of the folks who reach 65 years of age will need some long-term care. The average nursing home stay ranges from 2-5 years and costs on average of $135.
Which Car Should You Own To Keep Your Insurance Rates Most Affordable?
Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars.
A Life Insurance Quote Became Reality
Life insurance quoteThank goodness John took his life insurance quote seriously. It didn't prevent our daughters from wishing he were still here but thanks to his foresight they and I still have the things he worked for because he turned that life insurance quote into a policy before his untimely death.
Guide to Home Insurance
Here is a useful guide to Home Insurance. Home insurance covers damage from incidents such as fire, theft, and vandalism to your house, usually adjacent structures like a garage or shed, and your personal belongings.
How To Take The Guesswork Out Of Buying Term Life Insurance
Protecting your family is the single most important thing any individual can plan for during his or her life. Buying life insurance can be confusing, and a frustrating process.
Insurance for Car Wash Fundraisers
Non-profit groups in this day and age need to watch out for lawsuits, as it is an unfortunate reality. Having a good event insurance policy can protect your non-profits funds from such a lawsuit in the event of a mishap or professional slip and fall con artist.
Is Your Financial Security at Risk?
The topic of insurance is not sexy by any means. Perhaps that's why so many people avoid addressing it.
Shopping Options for Auto Insurance
Shopping for car insurance can be a big undertaking. It can be daunting at times but is very important.
Term Life - Who Needs It?
If you've read any of the books or articles by popular personal finance gurus you've probably heard of the affordable life insurance alternative called Term life. Term life insurance Quotations are recommended by many popular personal finance gurus and can be a good choice for:· Young families or those on a limited budget, yet still need a large amount of life insurance.
How Will an HSA Save Me Money?
The Health Savings Account (HSA) is a tool to help you save money on health insurance. But how does it do that?A Health Savings Account (HSA) is just a savings account.
Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi
For a price, would you let car insurer along for the ride? - asks a USA Today technology story by Kevin Maney. It seems that Progressive Insurance and IBM have worked out a scheme to pay drivers to be safer - by monitoring their every move in their own cars, and how fast they make that move, and where they park, and what time they drive.
home | site map
All articles are copyright to their owners.
Note: this website lists articles, We do not Write Articles !