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The journey, not the arrival matters. ~ T. S. Eliot |
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Know The FactsOpen your U.S passport to page two and you may be surprised by the following warning:
The simple fact is that many international travelers do not have appropriate insurance protection. Government sponsored health programs such as Medicare almost never cover care received in a foreign country. Employer-sponsored plans often limit overseas coverage to emergency care only (and the burden will be on you to prove it's an emergency). |
Welcome to SafetyFirst Travel Insurance
Is travel insurance really necessary and worth the added expense? According to the leading travel website Expedia, 19% of every traveler cancels or postpones their plans because of work-related reasons. A survey conducted by the Insurance Information Institute corroborated this trend by finding that 17% of travelers, one out of every six, file some type of claim during their business travels or vacations.
Are you ready to travel?
Travel insurance is widely regarded as the best way to protect travelers against a wide range of situations, well beyond emergency illness or injury. Even if your company group health plan covers typical medical circumstances, a business traveler would be well advised to upgrade to a comprehensive travel insurance policy for additional overseas business protection.
Don’t rely on the common misconception that credit cards give adequate travel coverage. The vast majority offer protections so narrow that they may as well have none at all.
The same is true for domestic health insurance companies. Most do not cover foreign travel, nor do they have the logistics to help with most emergencies away from home. They may reimburse for emergency medical procedures incurred while traveling, but what about the rest? Medical evacuation is ruinously expensive and almost never covered. Terror delays are no longer as rare as in the past. Who hasn’t heard about a friend losing their passport at the most inconvenient moment? What if your need translation for a crucial prescription refill and you’re in Outer Mongolia?
A typical comprehensive plan should provide a wide range of assisted services. Here is a sampling of travel risks that many travelers typically underestimate:
- foreign auto accidents
- legal help needed unexpectedly
- evacuation due to weather or natural disasters
- medical evacuation often costing as much as $100,000
- air ambulance from a remote local to a city large enough to host a modern hospital
- repatriation, whether for a health crisis, a lost passport or a military coup
- terror evacuation or kidnap/ransom protection for dangerous hotspots
- sudden departure prompted by a work-related emergency
- embassy referrals from experts on the ground
The risk of travel delays should not be underestimated. In these unforeseen instances, who pays for the hotel and meals? Who finds the accommodations? Without travel insurance, you do.
What about lost luggage? That brand new business suit for the important meeting might have to be replaced overseas. Replacing a stolen laptop could deplete your traveling funds. The important documents in your carryon may have to be emergency couriered at a high price tag.
Traveling abroad should be exciting and adventuresome. Having the foresight to insure away these risks with a comprehensive travel policy helps make this happen.
Compare our plans, and don't hesitate to call for help or if you have questions. That's what makes SafetyFirst Travel Insurance better - customer service and helping you get only the coverage you need and want.
You Should Know• Even if you are already enrolled in a health plan, your coverage is limited when you travel abroad. In fact, your plan may not pay to have you safely evacuated if you are critically ill. • Where do you turn to learn which hospitals and doctors meet your standards? Keep up with breaking news about health and safety threats? Translate key medical terms and brand-name drugs? • How do you find a western-trained, English-speaking doctor with the appropriate skills? How do you arrange a convenient appointment and avoid claim forms? • Outside the United States, most hospitals won't provide any treatment until the hospital has received a guarantee of payment, which is rarely issued by a u.s. based health carrier. Without travel insurance, you'll likely pay in advance--as much as tens of thousands of dollars, if your credit card limit allows. The Solution Travel insurance that includes online and telephone assistance services helping you develop contingency plans and manage the unexpected. |
