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CMI Insurance Specialists
CMI Insurance Specialists
Planning to travel abroad for study, for business or for pleasure? The health insurance that you have at home probably won't cover costs if you have a medical emergency while traveling, and treatment expenses can mount quickly. That's why your travel checklist should include getting the right insurance coverage. With almost 20 years of experience in providing medical insurance for travelers, CMI is an expert at providing that protection....
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CMI Insurance Specialists
Cultural Insurance Services International (CISI)
Cultural Insurance Services International (CISI) offers services to
international students, students studying abroad and sponsors of international education and cultural exchange group programs. CISI currently provides insurance coverage and travel assistance to more than 45,000 international students under nine different coverage plans. Our office has access to both the domestic and international insurance markets and has more than 30 years experience providing international travelers with insurance plans...
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HTH Worldwide(HTH)
HTH Worldwide(HTH)specializes in providing health insurance to both
international students studying in the USA and U.S. study abroad students.
HTH applies its dynamic expertise to bring unique and innovative healthcare
services and insurance. Our programs combine comprehensive, competitively
priced insurance products with critical travel health information, known as
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pharmaceuticals and common medical terms and phrases...
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HTH Worldwide
InternationalStudentInsurance.com
InternationalStudentInsurance.com - for international and US students throughout the world! If you are looking for a Low Cost, High Quality global health and travel insurance plan, we have a number of options for you. However, if you are looking for a more comprehensive plan and are willing to pay a little more, we can offer you that as well. Our company provides a variety of programs and options to meet your specific needs - as well as the requirements of your school and immigration officials. Insurance plans are underwritten by Lloyds of London, a premier global insurance company...
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© copyright 1998-2002 GoAbroad LLC.
Results from search: http://www.uni-care.org/
Uni-Care Educational Travel Insurance
Uni-Care Educational
Travel Insurance Service
Box 32-167, Devonport, Auckland, New Zealand
Tel: 64-9-446 1166 Fax: 64-9-445 8832
Email: insure@uni-care.org
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Uni-Care is
an educational service that
specialises in development and implementation of travel insurance
protection for people in education in New Zealand to travel worldwide
for the purposes of study, work and travel. It also covers international
students and visitors from other countries to travel to New Zealand
and Australia for the purposes of study, work and travel. The
underwriter of our insurance policy is the American International
Group (AIG) which employs over 40,000 people in 130 countries
and jurisdictions. It has assets exceeding $200 billion with an
AAA credit rating from Moody's and Standard and Poors.
Information
about insurance for travel overseas from New Zealand
Travel insurance for New Zealand permanant residents and currently
insured international students and visitors. Relevant
application form
Information
about insurance for travel to New Zealand or Australia
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for international students and visitors to study, work and travel
to, from and within Australia and New Zealand. Relevant
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Information
about Frequent Traveller Annual policy
For NZ permanent
residents who travel overseas periodically during the year. Relevant
application form
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for Master Policy
For educational institutions
and agencies who wish to insure international students studying
in Australia and New Zealand.
Ministry
of Foreign Affairs & Trade travel insurance program
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studying in New Zealand.
Results from search: http://www.comprehensivetravelinsurance.com/
Comprehensive Travel, Life and Medical Insurance Policies
Please
select the appropriate Insurance Policy
Australian residents traveling overseas or within Australia (premiums in AU$)
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Results from search: http://www.travelinsurance.com.au/
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(Not Medibank) or Passing
through Australia for at least 24 hours for us to be
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Best Value Policy for Your Trip ...
(departing from Australia)
1.
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Worldwide
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temporarily unavailable.
NOTE:
SureSave policies have now been updated.
We DO NOT backdate
policies. Prior to commencing travel, you MUST be in possession of an email from us
advising you of your policy number and emergency contact
number. If you do not have this YOU ARE NOT COVERED
and we accept no responsibility.
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& Rescue Only
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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
Previous:
Health
Return to
Table of Contents
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
Results from search: http://www.go-walkabout.co.uk/
Travel insurance for backpacking holidays, trekking overseas, student travel insurance, working holidays - Go Walkabout, UK
Arranged for Harold Lawrence Insurance Services 10 London Road Bexhill-on-Sea
East Sussex, TN39 3JU - Underwritten by certain Syndicates at Lloyd's. Information
about Go Walkabout
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
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When you're traveling it also helps to spend a little extra money and cover yourself with some worldwide travel insurance. Here's information about international travel, health, medical and life insurance, packages tailored for travelers, and why you might or might not want to get coverage overseas.
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Unfortunately things can go wrong on holiday. You could fall ill or have an accident; you could have money or luggage stolen; your visit might be cancelled or cut short through injury or illness; your family may need to fly out to be with you if there is a serious incident. Costs - particularly medical treatment costs - can easily run into thousands of pounds (see some typical medical and repatriation costs ). All these risks and more can be covered by taking out travel insurance. This area of the website includes tips about insurance and has been developed with the Association of British Insurers . Buying travel insurance - tips.
Market surveys show that many people don't take insurance. People believe that their credit card accident cover, home insurance, or private health cover is sufficient. However, it is unlikely that these will give adequate cover. 'It won't happen to me' - look at common incidents and their locations, dealt with by one of our partners. Shop around.
The cost of travel insurance varies widely, so shop around to find a good price and the right product , rather than opting to travel without cover. Bear in mind that a cheaper policy may have less cover. Use our Insurance & Assistance Partners Page to find links to insurers. If you make several trips each year, consider taking out annual multi-trip insurance to save time, money and effort. Know what your policy covers and check that the cover is adequate.
If in doubt ask your insurer. Your policy should cover you for the following:
The whole time that you are away, whether that is a day or a year.
Any activities and sports you might do. Some activities, such as jet skiing, are excluded from many policies. Many insurers will extend cover, if requested, otherwise shop around for a specialist policy.
The medical and health cover is very important. It should be for a minimum of £1 million for Europe and £2 million world-wide. It must include cover for emergency medical treatment, hospitalisation and repatriation.
Personal liability - for injury or damage to others and their property.
Cancellation - if you have to cancel or abandon your trip. Cancellation cover should start as soon as you book your trip.
24 hour emergency service and assistance if things go wrong the assistance company will help you to sort everything out.
Possessions cover, including money and documents to specified limits. Your policy may also cover: Personal accident - money paid on death or permanent disability.
Legal expenses - to help you pursue compensation for damages following personal injury. Check the conditions and exclusions.
If you are in any doubt, contact your insurer to find out exactly what cover you have.
Most policies will not cover drink-related incidents.
Most policies do not cover drug related incidents.
You must take reasonable care of your possessions or your policy will not cover you. Declare anything that you think might affect the cover.
Be honest - tell your insurer about current or past medical conditions. This should include the condition of those to be insured and others, such as close relatives, whose state of health may prevent you from travelling or may cause you to curtail your trip. If you don't declare you may invalidate your policy. If travelling to Europe - make sure you fill in Form E111 .
Book through an agent that's with ABTA or ATOL . When you travel.
Make sure you take your policy and the 24 hour emergency phone number with you.
Make sure you know what to do in the event of a problem.
Some insurance companies insist that you call their assistance company as soon as possible after a problem arises.
If anything does happen make sure you keep as much paperwork as possible - tickets, receipts, medical bills, police reports etc - to help prove that what you're claiming for actually happened. The following additional insurance tips have been written with the ABI.
Emergency Assistance Visiting Europe / Form E111 Medical & Health Insurance Driving Abroad Personal Accident, Personal Liability & Possessions Cover Cancellation & Curtailment Insurance Tips for Travellers
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