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Factors that change the price of your car insurance quote.
Copyright 2005 Stacey Zimmerman
When looking for a good car insurance quote that combines the coverage you need with a good, affordable cost there are many factors that will culminate in the price of your car insurance quote. Principally this will...
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The issue at hand is the use of a consumer’s credit score as an underwriting tool for auto insurance rates. What is a credit score or FICO score? A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of...
Term Life Insurance Quotes for Singles
Term life insurance quotes are rarely a concern of single people, but they should be. Unfortunately, there is a misconception that term life is something owned only by families in the event that the chief breadwinner dies. Term life insurance...
What Is Health Insurance?
Health insurance is simply protection of the person or group insured against financial loss from illness or injury. Can you live without it? Probably. Should you? The answer depends upon whom you ask.
Like other forms of insurance, you don't need...
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Do I need travel insurance?
Do I need travel insurance?
In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care plans—HMOs, PPOs and PPG's. For some travelers, they may have Medicaid, and for those over 65 years have Medicare.
All of these different types of plans have many various benefits, costs, deductibles, exclusions and restrictions.
So think before you travel and check your existing health policy to see what it pays for. It may reimburse you for up to 100% of the cost of emergency medical care when you're out of the country, of course, excluding any deductible or copayments.
For nonemergency care overseas you may be covered but probably will have to call your insurance company or HMO in the United States for all for treatments that need to be authorized.
Check with your health plan about this before you leave home because failure to get authorization from your HMO or insurance company may mean you will not get reimbursed if you later file a claim
If your health insurance policy doesn't cover your medical cost abroad, or you
do not have any coverage whatsoever, then you should consider purchasing a travel health specific insurance policy.
Even if your present health insurance will pay doctor and hospital bills when you're out of the country, you may want to purchase a travel insurance policy to get other important benefits such as coverage for air ambulance transport and on-site medical expense payment.
With some specific diseases like diabetes, COPD, epilepsy, etc when you're traveling it may not be covered so make sure you first speak we your health insurance agent before you travel and then see what is covered.
When my father travels he does get travel insurance, not for the benefit of the health insurance, but just in case he does get ill and unable to take the trip at the at the time he supposed to travel. This way he can get his money back.
About the Author
Copyright 2005
Fern Kuhn, RN
Specializing in Diabetes
http://www.travelinsurancecenter.info
http://www.diabetestestingcenter.com
You may reprint this article as long as you keep the links active
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