Tag Archives: Travel Insurance

Expatriate Insurance

Expatriate Insurance: Playing Safe While Living Abroad

You have the opportunity of a lifetime to live abroad for the next year.  You’ve planned every part of your stay down to the last detail – or so you think.  Have you thought about what will happen if you become so ill that you require extended medical treatment?  Even if you live in the most cosmopolitan of cities, if you become critically ill you will want to return home to be near family and friends while you recover.

You may believe if that scenario arises, you can depend on your managed care plan.  However, your stateside health insurance plan is not designed to cover extended stays out of the country.  Health Maintenance Organizations (HMOs) cover emergency room treatment anywhere, but typically offer other coverage through provider networks in the state where you live.  Preferred Provider Organizations (PPOs) cover a larger percentage of medical expenses if you visit network doctors, which are usually local.  Medicare offers no coverage at all for medical expenses incurred while living outside the United States.

What about travel insurance?  Your instinct tells you this is where you will find the coverage you need.  It seems logical, but it isn’t quite correct.  Travel insurance usually offers coverage for a period of six months.  Should you become sick or injured during the benefit period, your treatment is only covered until you reach the end of the six months.  After that point, you would be responsible for your own medical expenses.

So what alternative do you have to make sure this trip doesn’t end up costing you far more than expected because of unanticipated medical bills?  You can purchase expatriate health insurance.  The name tells you exactly what the coverage offers.  It is derived from the Latin language in which “ex” means away from, and “patria” means Fatherland.  This insurance is especially developed for people who will be away from their home country for six months or more.  Expatriate health coverage is designed to overcome the problems with the geographic limitations and restrictive provider networks that are associated with your managed care plan.  It also helps a sick or injured expatriate deal with language translation, currency exchange, and transportation to Western treatment centers when trying to navigate through the maze of a foreign health care system.

There are two types of plans. The basic plan offers coverage for in-patient or in-hospital care including your actual hospital stay, various medical service providers and transportation by local ambulance. You can purchase enhanced basic plans that may also include outpatient visits, some therapies as well as prescribed drugs. At-home nursing care and emergency dentistry are also covered typically.

If you require more extensive coverage, comprehensive plans can be obtained for much higher premiums. Comprehensive plans may cover psychiatry, rehabilitation, home nursing, childbirth, eye and ear specialists, dietitians, psychotherapists, chiropractors and osteopaths. Diagnostic tests and prescription drugs may also be covered.

Emergency medical evacuation coverage is available in a number of the basic plans. However, almost all plans allow you to include it for an additional charge. This coverage provides for immediate transportation from anywhere in the world to the nearest medically advanced treatment center for in-patient emergency conditions. Generally such plans also allow for reasonable return fare to your country of residence.

All these health plans have some restrictions and exclusions. If you are employed in a hazardous occupation some plans will not cover you. Pre-existing conditions, either known or unknown at the time you apply for coverage, are usually not covered. Depending on the condition, however, some carriers may be willing to underwrite it for an added charge. Injuries resulting from war or riot are not covered. Some plans do cover acts of passive war and terrorism such as an injury that occurred while you were an innocent bystander.

Expatriate Insurance Quote

Earth Day Travel Insurance

Earth Day Travel Medical Insurance.

Well this is not just for earth day but everyday, travel medical insurance for Sustainable and Responsible Tourism.  Here is the brochure for the  Patriot Green by IMG.  This coverage is for both US and Non-US citizens traveling anywhere in the world.  Patriot Green provides comprehensive travel medical insurance, as well as using a portion of the premium to purchase carbon offsets to lessen your carbon footprint while you travel.  IMG (International Medical Group) is the provider of the this benefit.  Read the brochure Patriot Green by IMG then go to http://www.briangruss.com/links/patriotgreen to get a quote and purchase right online. In keeping with the green spirit your policy and all information will be delivered by email to you.

Patriot Platinum Travel Medical Insurance

Patriot Platinum Travel Medical Insurance
Individual & family five days up to three years coverage

Patriot PlatinumSM provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today. Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM. There are two plans available: Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.

First Class Travel Protection

First Class Travel Protection

To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a premier travel insurance program. Patriot T.R.I.P. Elite offers a high level of benefits to travelers who need more coverage than provided by the Patriot T.R.I.P. program. The program has increased benefit amounts for emergency medical, emergency medical evacuation, travel delay, baggage, trip interruption and has a benefit for violent attacks.

Patriot Travel Medical Insurance

Patriot Travel Medical Insurance
Individual & family five days up to two years coverage

There are two Patriot Travel Medical Insurance products available to meet your needs, providing up to US$2,000,000 of medical coverage. Coverage can be obtained from a minimum of five days up to a maximum of two years. Patriot products address the travel medical insurance needs of U.S. citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.

Student Travel Insurance

Student Travel Insurance

Patriot T.R.I.P. Student is a “budget conscious” travel insurance program designed to provide important benefits to students for many of those unforeseen circumstances that may force the cancellation or interruption of a covered trip. This program also includes coverage for trip cancellation or interruption travel and baggage delay, lost or stolen baggage, emergency medical expenses and emergency medical evacuation.