INTERNATIONAL TRAVEL INSURANCE FACTS

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This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

IS CREDIT CARD TRAVEL ASSISTANCE ADEQUATE FORINTERNATIONAL HEALTH AND TRAVEL INSURANCE?

Credit cards do offer travel assistance. You might ask, “Then why do I need to buy travel insurance?” The differences are significant. Here are eight questions to ask about your credit card travel assistance:

  1. What are the details? Always read the fine print. Remember: The big print giveth and the small print taketh away!
  2. Who do I contact if I get sick or injured and need coverage? The last thing you want when you are in need of medical care and/or evacuation is a voice message.
  3. Do I know how much coverage I will need? This is vital since credit card companies are not in the international health insurance business.
  4. Will I get reimbursed if I have to pay up-front for my medical care? Remember, the overseas medical staff is not going to wait until your credit card company pays.
  5. Will my credit card company provide me with the best hospitals and doctors for my medical needs, or will I go to the "general" population hospitals that may not be “A” rated?
  6. Will I pay a deductible on my credit card benefits? We have plans that have no deductibles and some with deductibles. Our evacuation plans have no deductible or co-pays.
  7. Will my pre-existing medical conditions be covered? Our Excursion and Trip Protector plans cover pre-existing conditions. You can see these plans at www.overseashealthinsurance.com
  8. Will my credit card coverage bring my mortal remains back to the USA and pay for the red tape and government paperwork? Our international health plans do this without a penny out of your loved-one’s pocket.