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Half the fun of the travel is the esthetic of lostness. ~ Ray Bradbury Call (800) 315-8073 or (310) 281-1957 |
Why Buy
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Dare
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Know The Facts
Open your U.S passport to page two and you may be surprised by the following warning:
HEALTH INSURANCE. Persons considering foreign travel should determine what health insurance coverage, if any, they require while outside the United States. Medicare does not cover health care costs outside the United States and its territories, except under limited circumstances in Canada and Mexico.
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). |
Cruising Through Storms
Submitted by sfti on Thu, 10/09/2008 - 18:49.According to a recent article in the LA Times, travelers should consider independed brokers before buying insurance sold by cruise lines, and here's why:
"Many travel insurance polices will reimburse you -- with various restrictions -- if a hurricane affecting your destination interrupts your trip or causes it to be canceled. But not the Cruise Vacation Protection Plan that Carnival offered.
Under covered reasons for trip interruption and cancellation, that plan listed a hurricane affecting your home but not your destination.
On the sunny side: Because "inclement weather" was covered for trip delays, policy holders who got off the Ecstasy in New Orleans or Houston may be entitled to collect up to $500 for airfare they paid to get home and other costs, according to Carnival and BerkelyCare, the plan's administrator.
Be wary of insurance sold by your travel supplier."
About Marty Gibbons, travel photographer
Submitted by sfti on Thu, 10/09/2008 - 18:34.World traveler, Marty Gibbons, shares with us photos from his many adventures.
Marty standing on the far western end of the Great Wall of Chida at Gade Gate, near Dunhuang, China.
Great Buddha statue at Thousand BUddha Caves, Lanzhou, China
Michaelangelo statue in Milan, gazing at La Scala Opera House
Marty Gibbons, travel photographer, Switzerland
Submitted by sfti on Thu, 10/09/2008 - 18:25.
Mont Blanc above Chamonix, France
Castle Chillon, Lake Geneva, Switzerland
Lord Byron's signature in dungeon of Castle CHillon, Switzerland
Chess Park, Geneva, Switzerland
Marty Gibbons, travel photographer, in Africa
Submitted by sfti on Thu, 10/09/2008 - 18:15.
Seal Island, Cape Town
Victoria Falls ("The Smoke That Roars")
Zambezi River, Zimbabwe-Zambia border
Botswanna near Deception Valley Lodge
Scout during the Kalahari Bushman Walk, Botswana
Lioness with cubs, Savute Elephant Camp, Chobe, Bostwana
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.
Travel insurance that includes online and telephone assistance services helping you develop contingency plans and manage the unexpected. |
