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standing by now to assist you with the overseas medical insurance
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needs. Feel free to use our service to compare overseas medical insurance
pricing from multiple cariers.
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Results from search: http://travel.state.gov/medical.html
Medical Information for Americans Abroad
Medical Information for Americans Traveling Abroad
U.S. Department of State
Bureau of Consular Affairs
If an American citizen becomes seriously ill or injured abroad, a U. S. consular officer can assist in
locating appropriate medical services and informing family or friends. If necessary, a consular
officer can also assist in the transfer of funds from the United States. However, payment of
hospital and other expenses is the responsibility of the traveler.
Before going abroad, learn what medical services your health insurance will cover overseas. If
your health insurance policy provides coverage outside the United States, REMEMBER to carry
both your insurance policy identity card as proof of such insurance and a claim form. Although
many health insurance companies will pay "customary and reasonable" hospital costs abroad, very
few will pay for your medical evacuation back to the United States. Medical evacuation can
easily cost $10,000 and up, depending on your location and medical condition.
THE SOCIAL SECURITY MEDICARE PROGRAM DOES NOT PROVIDE COVERAGE
FOR HOSPITAL OR MEDICAL COSTS OUTSIDE THE U.S.A.
Senior citizens may wish to contact the American Association of Retired Persons for information
about foreign medical care coverage with Medicare supplement plans.
To facilitate identification in case of an accident, complete the information page on the inside of
your passport providing the name, address and telephone number of someone to be contacted in
an emergency.
A traveler going abroad with any preexisting medical problems should carry a letter from the
attending physician, describing the medical condition and any prescription medications, including
the generic name of prescribed drugs. Any medications being carried overseas should be left in
their original containers and be clearly labeled. Travelers should check with the foreign embassy
of the country they are visiting to make sure any required medications are not considered to be
illegal narcotics.
A listing of addresses and telephone numbers of U.S. embassies and consulates
abroad is contained in Key Officers of Foreign Service Posts .
This publication may be obtained through the Superintendent of Documents, U.S.
Government Printing Office, Washington, DC 20402. Also available from the Government
Printing Office is Health
Information for International Travel by the Centers for Disease Control
and Prevention (CDC). This contains a global rundown of disease and immunization
advice and other health guidance, including risks in particular countries. For
additional health information, the CDC maintains the international travelers
hotline at 1-877-FYI-TRIP (1-877-394-8747), an automated faxback service at
1-888-CDC-FAXX (1-888-232-3299) and a home page on the Internet at http://www.cdc.gov .
For detailed information on physicians abroad, the authoritative reference is The Official ABMS Directory of
Board Certified Medical Specialists published for the American Board of Medical Specialists and its certifying
member boards. This publication should be available in your local library. U.S. embassies and
consulates abroad maintain lists of hospitals and physicians. Major credit card companies also can
provide the names of local doctors and hospitals abroad.
Some countries require foreign visitors to have inoculations or medical tests before entering.
Before traveling, check the latest entry requirements with the foreign embassy of the country to
be visited.
Several private organizations will provide medical information and insurance for overseas
travelers. Most charge a fee for this service. The following is provided FOR
INFORMATIONAL PURPOSES ONLY and in no way constitutes an endorsement, expressed
or implied, by the Department of State.
AIR AMBULANCE / MED-EVAC
U.S.-based Companies
ACADIAN AMBULANCE & AIR MED SERVICE, INC.
Lafayette, LA
800-259-3333
ADVANCED AIR AMBULANCE
Miami, FL
800-633-3590 / 305-232-7700
AAA - AIR AMBULANCE AMERICA
Austin, TX
800-222-3564 / 512-479-8000
AIR AMBULANCE CARE FLIGHT INTERNATIONAL,
INC.
Clearwater, FL
800-282-6878 / 1-727-530-7972 (international)
AIR AMBULANCE NETWORK
Sarasota, FL
800-327-1966
AIR AMBULANCE PROFESSIONALS
Fort Lauderdale, FL
800-752-4195 / 954-491-0555
AirEvac
Phoenix, AZ
800-421-6111
AIR MEDIC - AIR AMBULANCE OF AMERICA
Washington, PA
800-245-9987
AIRescue INTERNATIONAL
Van Nuys, CA
800-922-4911 / 818-994-0911
AIR RESPONSE
Orlando, FL
800-631-6565 / 303-858-9967
AIR STAR INTERNATIONAL
Thermal, CA
877-570-0911 / 800-991-2869
e-mail: AirStar1@aol.com
AMERICAN CARE, INC.
San Diego, CA
800-941-2582 / 619-486-8844
AMERICAN JET AIR MEDICAL
Houston, TX
888-I-FLY-AJI / 713-641-9700
CRITICAL AIR MEDICINE
San Diego, CA
800-247-8326 / 619-571-0482
CRITICAL CARE MEDFLIGHT
Lawrenceville, GA
800-426-6557
GLOBAL CARE / MEDPASS
Alpharetta, GA
800-860-1111
INFLIGHT MEDICAL SERVICES INTERNATIONAL INC.
Naples, FL
800-432-4177 / 941-594-0800
INTERNATIONAL SOS ASSISTANCE
Philadelphia, PA
800-523-8930 / 215-244-1500
Also provides travel insurance services.
MED ESCORT INTERNATIONAL INC.
Allentown, PA
800-255-7182 / 610-791-3111
MEDEX ASSISTANCE CORPORATION
Timonium, MD
888-MEDEX-00 / 410-453-6300 (call collect)
(Also provides travel insurance services.)
MEDJET ASSISTANCE
Birmingham, AL
1-800-963-3538
MEDJET INTERNATIONAL, INC.
Birmingham, AL
800-356-2161 / 205-592-4460
MEDWAY AIR AMBULANCE
Lawrenceville, GA
800-233-0655
MERCY MEDICAL AIRLIFT
Manassas, VA
800-296-1217
(Service area: Caribbean and part of Canada only. If necessary, will
meet commercial incoming patients at JFK, Miami and other airports.)
NATIONAL AIR AMBULANCE
Ft. Lauderdale, FL
800-327-3710 / 305-525-5538
SMARTRAVEL
Alexandria, VA
800-730-3170 / 703-379-8645
Provides a range of travel medicine services.
TRAVEL CARE INTERNATIONAL, INC.
Eagle River, WI
800-524-7633 / 715-479-8881
TRAVELERS EMERGENCY NETWORK
Tierra Verde, FL
800-ASK-4-TEN
e-mail: ten@intrex.net
Foreign-based Companies
AEA INTERNATIONAL
Singapore
U.S. Phone: 800-468-5232
Service worldwide, also provides travel insurance services
AUSTRIAN AIR AMBULANCE
Vienna, Austria
43-1-40-144
EURO-FLITE LTD.
Helsinki International Airport
Vantaa, Finland
358-9-870-2544
EUROPASSISTANCE
Johannesburg, South Africa
27-11-315-3999
GERMAN AIR RESCUE (DRF)
Filderstadt, Germany
49-0711-7007-0
e-mail: alarmzentrale@drf.de
MEDIC'AIR
Paris, France
331-41-72-14-14
TYROL AIR AMBULANCE
Innsbruck, Austria
43-512-22422
TRAVEL INSURANCE COMPANIES
ACCESS AMERICA, INC.
Richmond, VA
866-807-3982
AIGAssist
American International Group, Inc.
New York, NY
800-382-6986
ASA, INC.
International Health Insurance
Phoenix, AZ
888-ASA-8288
AXA ASSISTANCE
Bethesda, MD
301-214-8200
CLEMENTS INTERNATIONAL
Washington, DC
800-872-0067 / 202-872-0060
http://www.clements.com
e-mail: info@clements.com
GATEWAY
Seabury & Smith
Washington, DC
800-282-4495 / 202-457-7707
e-mail: gateway.dc@seabury.com
HEALTH CARE GLOBAL
(also known as MEDHELP or WALLACH & COMPANY or HEALTHCARE ABROAD)
Middleburg, VA
800-237-6615 / 540-687-3166
HIGHWAY TO HEALTH
Fairfax, VA
703-322-1515
(Also provides destination-based travel health information for cities worldwide.)
INTERNATIONAL MEDICAL GROUP (IMG)
Indianapolis, IN
800-628-4664 / 317-655-4500
MultiNational Underwriters, Inc.
Indianapolis, IN
800-605-2282
e-mail: insurance@mnui.com
MUTUAL OF OMAHA
Tele-Trip Company
Omaha, NE
800-228-9792
PETERSEN INTERNATIONAL UNDERWRITERS, INC.
Valencia, CA
800-345-8816
e-mail: piu@piu.org
TRAVELEX
Omaha, NE
800-228-9792
TRAVEL GUARD
Stevens Point, WI
800-826-4919
TRAVEL INSURED INTERNATIONAL
E. Hartford, CT
800-243-3174
TRAVEL INSURANCE SERVICES
InterMedical Division
Walnut Creek, CA
800-937-1387/925-932-1387
TRIPGUARD PLUS
Northridge, CA
800-423-3632
UNICARD TRAVEL ASSOCIATION
Overland Park, KS
800-501-0352
UNIVERSAL SERVICE AND ASSISTANCE
Alexandria, VA
800-770-9111 / 703-370-7800
WORLDWIDE ASSISTANCE
Washington, DC
800-777-8710 ext. 417
EXECUTIVE MEDICAL SERVICES
AMERICAN MEDICAL CENTERS
Moscow, Russia
Offices in Moscow, St. Petersburg, Kiev, Prague, Warsaw, Istanbul
(7-095) 933-77-00 (Moscow)
HEALTH QUEST TRAVEL INC.
Wexford, PA
888-899-3633
e-mail: HQT@HealthQuestTravel.com
WORLD CLINIC
Burlington, MA
800-636-9186
Return to Travel Publications Page
Results from search: http://www.medicus.co.uk/
Medical Insurance and Private Health Insurance by Medicus - Private medical insurance providers for UK residents & expatriates.
we are currently rebuilding
our web site
Medical Insurance and Private Health Insurance by Medicus
- Private medical insurance providers for UK residents & expatriates.
private medical insurance, expatriates medical insurance,
medical insurance, overseas medical insurance, medical cares, medical, health
cares, health insurance
Private medical insurance providers for UK residents
& expatriates.
Index About
Cover Coverage
FAQs Group
Home Hospital
How Terms
ExpaCare health cares Insurance Services
was established in 1982 to offer a dedicated, specialist service to expatriates
of all nationalities and many medical insurance local business communities.
health insurance Today ExpaCare insures over 100 nationalities in 147
countries. ExpaCare is part of medical cares JLT Group Services, a division
of Jardine Financial Consultants Limited and a medical insurance member
of the Jardine Lloyd Thompson medical insurance Group. Jardine private
medical insurance Lloyd Thompson provides insurance broking expertise in
over 35 countries and is represented in expatriates medical insurance
virtually every health insurance other territory worldwide. MEDICUS particularly
wishes to health cares draw attention to the clause in its rules relating
to pre-existing conditions. For the overseas medical insurance purpose
of the health cares MEDICUS range of United Kingdom private medical insurances,
a pre-existing condition is defined as one which is in existence at the medical
cares commencement date (even if private medical insurance the condition
health insurance has been misdiagnosed or if an accurate diagnosis has
not been made by a qualified medical practitioner) or for which you medical
cares have received treatment, expatriates medical insurance medication
overseas medical insurance or advice on some previous occasion. We will
cover pre-existing conditions (as defined above) provided that you remain free
of treatment, medication or advice for a period of two years from the commencement
date of your MEDICUS insurance. If the condition recurs private medical insurance
during expatriates medical insurance this initial two overseas medical
insurance year period, then the exclusion will continue until two years
have elapsed since the last treatment, medication or advice received for that
condition. Should you at some time choose to upgrade health insurance
your level of cover with MEDICUS, then this two year moratorium will re-apply
on the additional levels of cover only.
Results from search: http://www.medicus.co.uk/terms.htm
Coverage of pre-existing conditions
COVERAGE OF PRE-EXISTING CONDITIONS
MEDICUS particularly wishes to draw attention
to the clause in its rules relating to pre-existing conditions. For the purpose of
the MEDICUS range of United Kingdom private medical insurances, a pre-existing
condition is defined as one which is in existence at the commencement date (even if the
condition has been misdiagnosed or if an accurate diagnosis has not been made by a
qualified medical practitioner) or for which you have received treatment, medication
or advice on some previous occasion. We will cover pre-existing conditions (as defined
above) provided that you remain free of treatment, medication or advice for a period of
two years from the commencement date of your MEDICUS insurance. If the condition recurs
during this initial two year period, then the exclusion will continue until two years have
elapsed since the last treatment, medication or advice received for that condition. Should
you at some time choose to upgrade your level of cover with MEDICUS, then this two year
moratorium will re-apply on the additional levels of cover only.
If you are transferring from another
healthcare Plan, you should consider this point carefully. When making a claim, please
remember that the counsellors are obliged to enforce this rule, since the premiums, terms
and conditions of the Plan are based upon pre-existing conditions being excluded from the
Plan in this manner. This helps to keep the premiums as low as possible.
Medicus Exclusions
The benefits available under the UK Medicus
range of Plans are very extensive, however, as with other private medical insurance plans,
there are certain treatments not covered. These include, but are not limited to:
· Treatment by GP or dentist.
· Routine medical examinations, screening
and tests, unless required as a result of treatment for a specificcondition otherwise
covered by the plan.
· Cosmetic treatment, except where necessary
as a result of an accident.
· Fertility and infertility treatments.
· Psychiatric or psychogeriatric treatment.
· Long term (chronic) medical conditions.
· Treatment for pregnancy or childbirth.
· Outpatient drugs and dressings.
· Treatment outside the United Kingdom.
· Treatment where you have not been referred
by your GP.
· Dental treatment (as defined in the Plan
Rules).
· Expenses relating, either directly or
indirectly, to HIV and/or AIDS and/or AIDS related conditions.
The Application
Form
private medical insurance
expatriates medical insurance
medical insurance
overseas medical insurance
medical cares
health cares
health insurance
Results from search: http://members.tripod.com/~visuri/
Overseas Medical Insurance
WELCOME TO SURESH'S HOMEPAGE
A Home for Overseas Medical Insurance and other Insurance Services
Hello There! My name is Suresh.
Going abroad for Education/Employment/Holidays can be a pleasure. Protecting yourself from sudden illness/accident is a prudent act. Avail our Overseas Medical Policy at a lower premium than in U.S.A. Read the following for more information about Overseas Medical Policy.
How to contact me
People and Areas I serve
About Overseas Mediclaim Policy
How I exceed expectations of my customers
Other services I perform
Links to some cool sites related to India
I can be contacted at
S. SURESH
57, Veerabadran Street, Nungambakkam, Chennai(Madras) 600 034 INDIA
PHONE: 91-44-827 7736 or 91-44-821 6009
PAGER NUMBER: 9610-103 177
CELL NUMBER: 98410-15.8.47
E-MAIL ADDRESS: Visuri@hotmail.com (or) flytousa@md3.vsnl.net.in
Internet:: http://members.tripod.com/~visuri/index.html
People and Areas I Serve
Currently I serve people only within Chennai (Madras) and Tamil Nadu. For people from Kerala and Karnataka when you come to Madras for the VISA, you can extend your stay for an extra day and get yourself an Overseas mediclaim insurance that would cover you in case of possible illness during your period of stay abroad.
Overseas MediClaim Policy
Summary
The two plans that are available are Plan A and Plan B. Plan A excludes USA and Canada and Plan B includes USA and Canada . Plan A covers upto US $50000 and plan B covers upto US $100000. Any person who is above 40 years and under plan B (Including USA and Canada) has to go in for a medical examination and tests. They have to be certified in the insurance form by a M.D.(Cardiologist) and hence the need for a visit to Madras. The advantage in taking the insurance in India is that payment will be in Indian rupees for the premium and the settlement of claim will be in US$. The deductable for every claim is 100$. It covers all illnesses, accidents, injury, diseases provided, it is not a PREEXISTING DISEASE. The premium is different for different age groups. The age restriction is from 6 months to 70 years. For people over70 years old, medical insurance is given only after the approval of the Insurance head office. This Overseas Mediclaim Insurance is applicable only to Indian Citizens. Foreign nationals have to take insurance only in their country. Application form is available with the insurance companies anywhere in India. If you are in Chennai then application form is available with me. Different rates apply to different age groups. The age groups are 6 months to 40 years, 41 years to 60 years and 61 to 70 years. The rates include 5 % service tax also. If a person goes to US and he decides to extend his stay for a further period he can extend his insurance through one of his/her relations in India or contact me through email and pay the extra premium. But they should do so before the time period for which the Insurance is taken expires. Otherwise they have to take the insurance in the US and pay in dollars which is very expensive.
Detailed Information
Introduction:
The Overseas Mediclaim Insurance policy provides indemnity for medical expenses necessarily incurred for treatment of illness and diseases first contracted or injury first sustained during the insured period of overseas travel subject to the policy terms and conditions.
Eligibility:
Indian Nationals undertaking bonafide journeys abroad for business or official work or holiday or for employment and studies. This policy is also available to foreign nationals resident India.
Age Limit:
6 months to 70 years. Acceptance of proposals from persons above 70 years of age is subject to the company's discretion at loading of premium.
Period of coverage:
Period of cover is the actual period of travel subject to a maximum of 6 months(180 days) for any one trip. However the company at its discretion may consider extension beyond 180 days.
Medical Check Up:
Persons over 60 years of age travelling to countries other than USA/CANADA or over 40 years of age travelling to USA/CANADA have to submit the following medical reports along with the proposal form.
ECG Printout with report
Fasting blood sugar/urine sugar
These reports are to be certified by an M.D.(Cardiologist) in their proposal forms. When the proposer is unable to submit the medical reports then the coverage for sickness related claims would be limited to 10,000 US Dollars. However, the limit for the accident-related claims will be for the full sum insured.
Pre-existing disease exclusions:
This policy specifically excludes all expenses incurred relating to existing diseases/illness from which the insured is suffering.
Corporate Frequent Travelers Policy:-
To facilitate persons who travel abroad frequently on office work/business an annual cover termed as Corporate Frequent travelers policy has been designed to cover any number of trips taken by a person during a particular year. However, each trip should not exceed a period of 30 days. The insurance is valid for 12 months from the date of commencement stated in the policy in the event of a visit extending beyond the policy period special conditions apply. A person up to 60 years of age need not undergo medical check-up. However, a person over the age of 60 years must undergo at the inception of the annual cover for a full medical check up including blood/urine test and FCG. Note: Persons above the age of 70 years are not eligible for this coverage.
Claims facilitation and assistance:
In case the insured person suffers serious illness, injury or needs hospitalization the insured or his representative must contact, "Mercury" immediately for emergency advice or consultation. When contacting Mercury they should provide as much information available concerning the illness or accident including the name of the treating doctor, name and telephone number of the hospital, the policy number and its date of issue. This would enable mercury to contact the hospital authorities and co-ordinate all activities. Mercury provides additional service like pre-trip assistance, policy information assistance, medical assistance, medical evacuation services, repatriation of remains services, baggage assistance emergency message relay service, legal referral service, translation services. 24 Hrs. - 365 days per year. contact mercury at the following numbers.
For including USA & CANADA 800 988 0638 (Free Phone) / 804 673 1451(Paid Phone) / (1) 804 673 1452
For excluding USA&CANADA - 44(0) 1273 680453 (Paid Phone) / UK 44(0) 1273 206883
AVAILABLE INSURANCE PLANS :
PLAN A: (Plan A is Excluding USA and CANADA with Maximum 50,000 US Dollars Coverage)
PLAN F: (Plan F is Excluding USA and CANADA with Maximum 250,000 US Dollars Coverage)
PLAN B: (Plan B is including USA and CANADA with Maximum 100,000 US Dollars Coverage)
PLAN G: (Plan G is Including USA and CANADA with Maximum 500,000 US Dollars Coverage)
Plans A & B Include illness/Accident, loss of passport, death coverage inside the flight.
Plans F & G Include illness/Accident, Personal Accident, Loss of Passport, Loss of checked baggage, Delay in checked baggage, personal liability.
For rates, contact Suresh at visuri@hotmail.com or flytousa@md3.vsnl.net.in
How I exceed the expectations of my customers
My service package includes:
Customer do not have to go to the insurance company for paying the premium or to collect the policy. I individually deliver it to the customer. If the policy holder want to extend the coverage, he/she need to do so well in advance (30 days) by asking me to collect the premium from his relatives or send the difference premium from abroad by mail. I will pay the premium and send the extended policy to your relative or to you by mail as the case may be.
I have a tie-up arrangement with hospitals that provide medical services to my customers at a concessional rate. In case you are required to undergo medical tests to provide the required medical reports, You can contact me and I can arrange for the required medical check-ups.
In the case where the customer is not able to move from the house I can arrange for medical examination at your doorsteps, finish the medical examination, collect the premium and issue the policy on the same day you fly. In such a case the important requirement is that , the person should contact me 1 day in advance as I want Fasting blood Sugar. The patient should be in Empty Stomach at the beginning of the fasting blood sugar test. Come prepared 1 day in advance and not in the last minute.
The above services are available for the residents of Madras City only. In case you are having father or mother residing out of Madras they can come to Madras 1 day in advance stay in a lodge. They can leave the Madras city on the same day night with the policy. Out of Madras people have to bring the premium in the form of DD only, cheques will not be applicable and acceptable.
Other Services I offer
I also serve as an agent for
Local Mediclaim Insurance (within India): One of the advantages in taking mediclaim policy now rather than later is that you need not undergo further medical tests and provide any medical report again. The coverage starts only when you arrive in Chennai from abroad even though the policy is taken today.
Travel Insurance (Worldwide, 24 hours & flight travel is also covered) Costs Rs.240/- one-time payment that covers for 1 lakh for 5 years .
House Articles Insurance for those who are leaving their possessions behind when they visit USA. This covers all articles against burglary and theft . Chain snatching is also covered.
Contact me for any issues regarding insurance instruments or investments..
Pension Plans: Youngsters! Avail this opportunity. Invest Rs.10,000/- per annum in the pension plan and receive Rs. 10,000/- per month as pension with 100% income tax benefit.
Life Insurance: Here is a new insurance instrument. Pay Premium Once and get tax-free yield of 14.93% after 5 years.
Purchase of flats, houses and other real estate in Chennai (Madras).
Links to Cool Indian Sites
Newspapers:
The Hindu
Business Line
Indian Express
Times Of India
Economic Times
Magazines:
India Today
Business Today
The Week
TamilNadu Related Links
Everything you wanted to know about TamilNadu
Other Useful Indian and other Links on the web:
a2zindia
Employment Immigration And Government Sites
Oficce of Attorney Sheela Murthy
India Search Engine
Another India Search Engine
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Results from search: http://www.cabroad.org.uk/Medical.htm
Medical Insurance Overseas
Christians
Abroad Medical
Insurance overseas
Current Vacancies
Consultancy
Recruitment Service
Training Programme
Support Services
Criminal Records Bureau
Overseas Medical Insurance
National Insurance
Aims and Ethos
Contact
Donations
Home
!
Are you working or volunteering overseas for a month or
more?
!
Would your agency like us to
handle this for you?
If so, you may be interested in taking medical insurance
through Christians Abroad. We have a scheme set up through a
leading broker, which you may join on a monthly basis plus
an annual administration fee.
This is not travel insurance, but medical care for
those temporarily working abroad
Current rates for 2002 are:
Non-manual workers (teachers,
medical staff, etc) £21 per month plus £35 single admin
fee
Manual workers (engineers,
electricians, etc) £31 per month plus £35 single admin fee
Aged over 65, 25% extra plus
some changes to excess.
Health and Accident Insurance
through Christians Abroad
We have a group policy for anyone
going overseas linked to Christians Abroad.
Personal Accident and Illness
Insurance covers you from the moment you leave Britain. The
basics of the policy are listed here, but a full copy of the
policy is available and will be given to people who choose
to take up the scheme.
Schedule
of compensation
Up
to
1
Death by accident
£100,000
2
Loss of sight, one
or both eyes
£40,000
3
Loss of limbs
£40,000
4
Permanent total
disablement (1 )
£40,000
5
Temporary total disablement (2)
see below
6
Medical expenses, excluding the
first £10 of every claim
£100,000
7
Repatriation, on medical advice
£2,000
8
Dental Treatment, excluding the
first £10 of every claim (3)
£100
Notes
Total disability that has existed
for twelve months and which can reasonably be expected
to disable the insured to the extent that he/she will be
prevented for life in engaging in gainful employment for
which she/he is qualified or may become qualified.
£10 per week whilst overseas,
increasing to £30 per week after return to the UK or
normal country of domicile. This excludes the first four
weeks and no payment will be made for claims beginning
after fifteen months from the date of return.
A stipulation about no pre-existing
condition is interpreted strictly here. You may be able
to prove you were medically fit by your pre-departure
medical, but you may need similar proof of dental
health.
ACCIDENT AND EMERGENCY (AIR AMBULANCE)
This covers the cost of an Air
Ambulance or other air transport, including qualified
attendants certified as needed for the repatriation of a
seriously injured or ill person to his/her country of origin
or the nearest suitable place for treatment. Currently
limited to the first six months, we are hoping to expand
this. The cost is an additional £90
Limit of liability in any one claim
£50,000
Personal property, possessions and
money should be insured separately.
The above information is a general
guide and a copy of the full terms and conditions is
available.
If you would like to take up this
insurance, please CLICK
HERE . A new window will open, please print the
form, fill in and post to us.
An agency of Churches
together in Britain and Ireland
A registered charity relying on grants and your donations
2002 Christians Abroad ©
Results from search: http://www.travel-library.com/rtw/html/rtwinsurance.html
Round-The-World Travel Guide - Travel Insurance
5.2 Travel Insurance
International Health Insurance Plans seem to be divided into four types
(provided by Lucy Friedland):
1) Individual Health Insurance Plans Based in the U.S.
These are not designed for extended international travel. Basically, you
must keep a "permanent" U.S. address since your premium is based on the state you
live in, and not tip them off to how long you've actually been out of the
country. Some of them will only reimuburse for treatment of "life-threatening"
illnesses or injuries that occur overseas. some will cover "emergency" treatment
overseas", which may or may not be clearly defined in the policies.
2) "Trip Insurance" or "Short-term Travel Insurance"
It's often difficult to find a plan that will cover you for more than 180
days. Sometimes they are renewable, sometimes not. These plans work better as a
supplement to major medical health insurance plans. They are not really designed
as primary medical plans. If you're on a tight budget, this can be a cheap way to
get some coverage. They often have limits on medical benefits. Other benefits
include trip interruption/cancellation coverage (good if you've prepaid a lot of
money for air tickets), baggage loss coverage (good if you have expensive gear),
emergency evacuation (always good to have).
3) Long-term International Health Insurance without Coverage in Your Home
Country
Designed for trips, but do not offer much coverage (if any) once you've
returned to your home country. These aren't too bad, unless you contract some
awful, protracted illness abroad that requires a longer course of treatment once
you return (e.g., heart disease, cancer, diabetes, or HIV, which is a whole other
kettle of fish, often excluded from coverage). These plans sometimes have "home
country" clauses or riders that provide limited treatment upon return to your
home country (e.g. if you return home and then leave again). The amount of
coverage in your home country depends on how long you took the policy for. For
instance, if you've been gone six months, you may get two weeks of coverage upon
your return, during which time you must shop like mad for a policy in your own
country. Basically, these plans drop you like a hot potato once you return to the
U.S. These may be favored by expats who may want to fly into the U.S. for
surgery.
4) Long-term International Health Insurance with Coverage in Your Home
Country
I only found two plans that do this. One is offered by International Medical
Group (SIRIUS International, an English company) and the other is Premier One, a
plan offered by International Health Insurance, a Danish company. The first one,
IMG, keeps your policy going upon your return to your home country for the
duration of the policy. A PPO network can be used (or not) in the U.S., which
accepts co-pays. The second one, IHI, is renewable indefinately, but is not
affiliated with a PPO network. The advantage of IHI is that hospital
pre-certifications are not required. Both plans include air ambulance benefits.
"Travel health insurance is prohibitively expensive for long (more than a
month or so) trips. Keep coverage in your home country for catastrophic illness
and self-insure for any treatment you need while travelling; such treatment is
available locally and is usually cheap; if you need major treatment you will
probably want to come home)."
"My experience was the same, and I suggest you keep your existing
policy, or obtain a new one, but raise the deductible into the $2000 to $6000
range. The treatment in most Third World countries is very basic and inexpensive.
Buy evacuation insurance to get you back home, unless you can afford upwards of $20,000
up front."
"In Australia, I pay AUS $700 for one year's good travel insurance
(that's about $2 a day). Australian domestic insurance is not valid overseas
and you are running appreciable risks to travel without some
insurance."
"If you are evacuated to your home, you must still pay for your medical
care. It's important to make sure that your medical insurance will
pay for accidents and illness incurred outside its coverage area. Most do,
but lots of hassle could be avoided by: checking with them, getting the
phone/address/e-mail necessary to notify them, and try in advance to
get the paperwork they would require."
"There are different levels of coverage, and different rates based on
parts of the world covered, length of trip, participation in high risk
sports etc.. It is often best to buy coverage from whoever you get your
ticket with rather than separately - don't no why."
"Considerations when economising on insurance: (1) Be honest about
high-risk sports. You will pay more, but if you need it you will really
need it. (2) Look at what you are getting, especially in terms of if you
need to fly home through illness, is your partner's return covered too; is
your health covered under only restrictive conditions; what level of
insurance is there against stolen cash, belongings etc. - what is the
excess. Is replacement of documents (e.g. passport and visas) covered?
(3) How long will it take to process a claim. (4) Will you be able to
extend/alter/replace/renew this policy from abroad if the need arises.
(5) Read the fine print!"
" Read the fine print. I cannot believe the number of people I meet
that do not. Just take a short look at all the exclusions before you start
feeling comfortable."
"Trip cancellation/interruption insurance does not depend on the time
duration of the trip, only the cost of your tickets; it will cover the
cost of tickets home if you need to come home."
"If you are using an RTW ticket, it is useful to understand clearly if it
is good for an early return, and especially if there are frequent flights
available on which it can be used."
If you have health insurance with your current employer and you will not
be able to obtain a leave-of-absence, you usually have the option of
continuing the same coverage under the COBRA plan in the US. COBRA seems
to be a term for "continuing insurance", not a specific
insurance company. It is available for the first 18 months after you quit
working, and covers overseas claims, such as hospitalization, etc., as long
as you have the receipts. Normal, independent insurance policies are usually
more expensive then than COBRA. Medicare does not provide overseas coverage,
but many MediGap policies do. Start the paperwork far in advance, as there can be
many delays.
On a grim note: some of these insurances will coordinate and pay for the return
of your remains should you die overseas.
AUSTRALIA
Cover-More
Issued by CIC Ltd
Ph: +61-02-202-8000
No Worries
Covers medical expenses and emergency evacuation.
Also available in Singapore, but not available in the US.
STA
Student Travel Australasia
Offices worldwide - see travel books.
In the US: 800-777-0112
Worldcare Assistance Services
Worldcare House, PO Box 102
Toowong 4066, Queensland
+61-7-3360-0360 (24 hours)
UNITED KINGDOM
ATI Travel Insurance
37 Kings Exchange, Tileyard Road, London, N7 9AH, UK
+44-171-609-5000
Columbus Direct Travel Insurance
279 High Street, Croydon CR0 1QH, UK
Dial-Direct Travel Insurance Services Ltd
Rowan House, 226 Unthank Road, Norwich Nr2 2ah, UK
Tel: +44-1603-464-123, fax: +44-1603-464-124
Endsleigh
97-107 Southampton Row, London WC1B 4AG, UK
+44-171-375-0011
Sold through youth-travel specialists, or direct from their office.
JourneyWise Travel Insurance
Travel Care Limited
68 High Street, Chislehurst, Kent BR7 5AQ, UK
Tel: +44-181-295-1234, fax: +44-181-295-1345
A subsidary of Commercial Union Assurance Association PLC
The Travel Insurance Agency (TIA)
Suite 2, Percy Mews, 755B High Road, North Finchley, London N12 8JY
Tel: +44-181-446-5414, fax: +44-181-446-5417
Quest Worldwide
Quebec House, 2-10 Richmond Rd, Kingston KT2 2HL, UK
+44-181-547-3322
Visit Australia
21 Norman Road, St-Leonards-on-Sea, East Sussex, TN37 6NH, UK
+44-1424-722-152, fax: +44-1424-722-304
William Russell Limited
Suite 201, The Mayford Centre, Smarts Heath Road
Woking, Surrey GU22 0PP, UK
+44-1483-772-245, fax: +44-1483-747-553
Worldwide Travel Insurance Services Ltd
Business Centre, 1-7 Commercial Road, Paddock Wood
Tonbridge, Kent TN12 6YT, UK
+44-1892-833-338, fax: +44-1892-837-744
UNITED STATES
Access America International
PO Box 90315, Richmond, VA 23286-4991
800-284-8300, 800-654-1908
Blue Cross & Blue Shield subsidiary
American Automobile Association (AAA)
"AAA's PLUS emergency road service will bring you back from anywhere
in the world and provides other travel insurance coverage for car related travel
in North America, including Mexico for about $30.00 more a year than regular
emergency road service, which makes it a no brainer. free maps, no-fee travelers
checks, and they issue international drivers licenses too."
AEA International
Offers one-year coverage for frequent travelers.
Offices and clinics around the world.
AIG Assist, American International Group
New York, NY
800-382-6986
ASA, Inc.
International Health Insurance
Phoenix, AZ
888-272-8288
AXA Assistance
CSA (Customer Service Administration)
PO Box 919010, San Diego, CA 92191-9970
800-234-0375. 800-873-9855
Carefree Travel Insurance
The Berekeley Group, PO Box 247, Providence, RI, 02901-0247
800-323-3149, 800-645-2424, 516-294-0220
Champion Insurance Advantage
P.O. Box 1050 Bel Air MD 21014-7050
800-643-4675, 410-836-7441
Council Travel
Council on International Educational Exchange
205 E 42nd St, New York, NY 10017
212-661-1414. For students, teachers, and youths.
DAN - Divers Alert Network
PO Box 907, Minneapolis, MN 55440-98635
800-446-2671, 919-684-2948 x333, fax 919-490-6630
Emergency medical evacuation insurance for around $50 a year.
Diver Security Insurance
800-288-4810
Geico Overseas Insurance
For expats.
Globalcare Travel Protection/A Cocco Group Company
PO Box 919030, San Diego, CA 9291-9958.
800-779-1017, 800-821-2488, fax 617-592-7720
Highway to Health
P.O. Box 8181, Radnor, PA 19087-8181
888-243-2358, 610-293-2062, fax 610-293-3529
Insurance Services of America
International Travel and Visitors Health Insurance
PO Box 1617, Chandler, AZ 85244-1617
800-647-4589, 480-821-9052, fax 480-821-9297
International Association for Medical Assistance to Travelers (IAMAT)
417 Center St, Lewiston, NY 14092
716-754-4883
International Health Insurance
International Medical Assistance (American Airlines)
21893 Skywest Dr., Hayward, CA 94541-9908
International Medical Groups
407 North Fulton Street, Indianapolis, IN 46202
800-628-4664, 317-655-4500, fax 317-655-4505
International SOS Assistance, Inc.
8 Neshaminy Interplex, Tervose, PA 19053-6956
800-523-8930, 215-244-1500
International Travelers Assistance Association (ITAA), MEDEX/TravMed
PO Box 5375, Timonium, MD 21094-5375
800-732-5309, 800-937-1387
Mutual of Omaha/Tele-Trip/TravelAssure
Mutual of Omaha Plaza
PO Box 31716, Omaha, NE 68131-0716
800-228-9792, 402-345-2400, 402-978-2456
NEAR Services
PO Box 1339, Calumet City, IL 60409
800-654-6700, 708-868-6700, fax 708-868-6706
PADI Diver Accident Program
800-223-9998
Patriot Travel Medical Insurance
International Medical Group, Inc.
407 Fulton St, Indianapolis, IN 46202
800-628-4664, 317-655-4500, fax 317-655-4505
Petersen International Underwriters
23929 Valencia Boulevard, Suite 215, Valencia, CA 91355
800-345-8816 661-254-0006, fax 661-254-0604
STA
Student Travel Australasia
Offices worldwide - see travel books.
In the US 800-777-0112
Travel Assist
11054 Ventura Blvd. #109, Studio City CA 91604
818-761-8796, fax 818-761-6804
Travel Care International
PO Box 846, Eagle River, WI 54521
800-524-7633, 715-479-8881
Travellers Emergency Network (TEN)
800-275-4836
Emergency evacuation insurance for US$30 per year individual, $50 family, along
with some other services like medical and legal referrals, delivery of
drugs/glasses, bail, etc.
Travel Guard
Los Angeles, CA
800-253-1877
Travel Guard International
1145 Clark St, Stevens Point, WI 54481-2980
800-826-1300, 800-826-5850, 715-345-0505, fax 800-955-8785
Travel Insured International (Travel Pak)
52-S Oakland Ave, PO Box 280568, East Hartford, CT 06128-0568
800-243-3174, 860-528-7663.
Travel Insurance Programs Corp.
243 Church St, West Vienna, VA 22180
703-448-2472.
Travel Insurance Services
2930 Camino Diablo, Walnut Creek, CA 94596
800-937-1387, 925-932-1387, fax 925-932-0442
Offer all of the insurances available, including The Travelers products;
InterMedical, a policy that emphasizes medical and evacuation coverages for US
residents outside the US for up to one year; and Visit USA HealthCare for
foreign nationals temporarily residing or traveling in the US for up to one year.
Travelex Medical Services
Omaha, NE
800-228-9792
Universal Service and Assistance
Alexandria, VA
800-770-9111, 703-370-7800
Universal Travel Protection
800-211-8952
Wallach & Co, Health Care Abroad/Health Care Global
107 W Federal St, PO Box 480, Middleburg, VA 22117-0480
800-237-6615, 703-687-3166, 540-687-3166, 540-281-9500
WorldCare Travel Assistance Association Inc.
605 Market St, Ste 1300, San Francisco, CA 94105
800-253-1877, 415-541-4991
or 2000 Pennsylvania Ave NW, #7600, Washington, DC 20006
800-521-4822, 202-293-0335.
World Travel Center
World Trips Travel Insurance
Worldwide Assistance Services (Travel Assistance International)
1133 15th St NW, Suite 400, Washington, DC 20005
800-821-2828, 202-331-1609, 202-347-7113, fax 202-331-1530
Youth Hostels Association (YHA)
[I haven't received any information in the last three years online, and would greatly
appreciate hearing about your experiences with insurance companies, such as reputation,
reliability, and pricing - Marc]
For a list of Air Ambulance/Med-Evac Companies, visit the US State Departments:
Medical Information for Americans Traveling Abroad .
Next:
Safety & Scams
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Health
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Round-The-World Travel Guide at www.travel-library.com/rtw/html
Please send suggestions and corrections to
brosius@bellsouth.net
Copyright © 1994-2002
Marc Brosius
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