Travel & Health Insurance

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 home and can cost a small fortune, depending on your location and medical condition.

Very often, credit card companies, if used to buy your flights or vacation packages, offer some kind of insurance. Call them prior to departure to check the type of coverage you can benefit from them.

Buying travel insurance from agencies and travel providers, such as cruise lines, is usually a bad deal because of price markups and restrictions on how the policy claims can be filed.

The best value policies are those sold directly by the leading travel insurance company. Travel Guard is the provider of travel insurance plans for North American residents. Their travel insurance plans and assistance programs can cover you for trip cancellation, travel interruptions and delays, lost baggage and travel documents, emergency medical and health expenses, and more.

They can also provide the travel insurance for Non US residents or you can try the UK companies, such as Directline
To review Travel Warnings and Tips for Traveling Abroad, visit US Department of State’s website, www.state.gov. Their International Travel section contains lots of very good information.

Pre-existing medical conditions

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 you bring overseas, should be kept 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.

We highly recommend the Travel insurance coverage, that ranges from trip cancellations or delays to medical coverage while traveling. We also suggest you review your medical insurance coverage before your trip.