1. REPEAT TRAVELER’S INTERNATIONAL INSURANCE COVERAGE
2. NEW SHORT-TERM INTERNATIONAL INSURANCE PLANS
(3) An excellent, cost-effective trip cancellation plan offered by Travel Guard.
(4) A plan that will provide motor sports coverage, etc., in the USA. Please call us at 866/636-9100 for coverage information. Ask for Karen.
TWEET-ABLE : Does your short-term team need international trip cancellation coverage? [Tweet this]
3. INTERNATIONAL AUTO / PROPERTY INSURANCE WITH GNI
We have received multiple calls over the years for international automobile, property and casualty insurance (P&C). We have now opened a new division in GNI to provide International Property and Casualty coverage.
For questions, please Doug toll-free at 866/636-91200. Our website for our P&C plans is www.gninternionalpropertyinsurance.com.
Fortunately, not all countries in the world are as litigious as those in the USA.But we are hearing of situations where significant legal cases have been brought against U.S. citizens. Our P&C coverage includes liability plans. One way to protect you and your family from major financial risk is to have some international property coverage.
TWEET-ABLE – Does your present car insurance cover you if you have an accident in Mexico? [Tweet this]
4. GROUP INSURANCE WITHOUT A PARTICIPATION RATIO
One of the major frustrations in setting up group insurance for an NGO is to get all the employees on board. If workers are raising their own funds,they sometimes have low support and/or have a desire to buy into group health insurance. All international insurance companies demand 75-80 percent participation before they will provide a group health insurance quote. Getting that kind of participation, especially in a large NGO, is really difficult.
We are now working with a very reputable international health insurance company that will provide quotes without demanding a participation ratio. The one stipulation is that the NGOs have over 50 total employees in the USA and overseas. Third Country Nationals and local employees can also be counted.
If you are an NGO that has over 50 total employees, with 2 units or more that would like to be on a group insurance plan, please let us know. We will be glad to pursue a quote for you.
TWEET-ABLE – Is it possible to get group health insurance for just part of your overseas staff? [Tweet this]
5. WHAT INSURANCE OPTIONS ARE AVAILABLE WITH GNI?
U.S. citizens traveling or living abroad!
Non-U.S. citizens traveling or immigrating to the U.S.!
Missionaries / church groups!
“Short-term” missionary trips!
Group quotes for non-U.S. employees in the U.S.!
Group quotes for any group outside the U.S.!
Group long-term Disability & Life outside the U.S.!
U.S. companies with overseas employees!
Emergency Medical Evacuation & Repatriation!
Trip Insurance & International Term Life Insurance!
International Auto, Property, Liability Insurance!
TWEET-ABLE: One source for every kind of international insurance! [Tweet this]
6. GNI’S EXPERTISE IN OVERSEAS GROUP INSURANCE
GNI began writing group insurance in 1997. Built on service and trusted relationships, GNI manages group insurance plans for over 80 large and small NGOs plus a number of international companies. All staff in our Group Division have worked overseas with various NGOs–with over 50 years combined overseas experience. We know the struggles overseas employees face. Plus we all live and work in the U.S. and not off-shore. You don’t have to call outside the U.S. to contact your insurance company or GNI.
GNI represents some of the world’s best and largest international health insurance companies: IMG, Aetna Global, Cigna International, HCC Medical Insurance Services (formerly MNU), HTH Worldwide, Seven Corners, and Azimuth. We offer true “one-stop-shopping” based on your exact needs and personnel. Plus, our services are reimbursed by the insurance companies, so we do all the work and you get the best quotes–for FREE!
TWEET-ABLE – An international insurance brokerage where all key personnel have lived and worked overseas. [Tweet this]
7. TRAVEL TIPS FOR TAXIS
(1) Most taxi drivers are polite and helpful; but in some places, if there is a low standard of living, you need to be ready for some aggressive drivers.
(2) If you are going to use a hotel shuttle, this is generally a better option than a taxi.
(3) If you are not familiar with the city and don’t know the language, it is better to hire a registered taxi. Most drivers of unregistered taxis are okay, but you never can be sure. In some countries “gypsy cabs” are not worth the risk.
(4) If the taxi does not have a fare meter, negotiate the fee before you put your bags in the car. If possible, get an idea of taxi fees before you leave the USA.
(5) In some airports you are able to pay your taxi fare at a taxi stand inside the airport terminal. This insures that the fare is correct and the taxi is registered.
(6) Do not ride in a taxi that is carrying a passenger you don’t know.
(7) Check the door handles to make sure they work before you enter the taxi–just to make sure you can exit quickly if necessary.
(Edited and adjusted from an email bulletin from Global Underwriters)
TWEET-ABLE: Some keys to handling taxis when traveling outside the USA. [Tweet this]
8. BOOK OF THE QUARTER: “THE GOOD EARTH”
While working in Indonesia I picked up The Exile and The Woman by Pearl Buck, but I never read The Good Earth. I remember my son Dennis reading this novel while in high school in Indonesia, but I never got to it. Last month I purchased a copy. It is a great read!! It takes you into the life of a poor Chinese family in the early part of the last century–I think about 1880-1920. Pearl Buck does a good job of showing the cycle of life. She also did this in The Woman. I liked the book because, besides being a great story, it introduced me into village life in China. I worked with many fine Chinese in Indonesia. As I read the book, I could picture some of the Indonesian Chinese homes andpractices. I would encourage you to read The Good Earth. Youmight get hooked! As I said, it is very enjoyable and notheavy reading. My wife took my suggestion, read it, and could not put it down until she finished it.
9. INSURANCE OPTIONS IF ALREADY PREGNANT
It is not surprising that we get numerous calls every months concerning insurance for those already pregnant. Below are a few of the options:
(1) If you are presently insured and are going overseas, you will be covered if you transfer to an international group plan. In almost all cases, group insurance plans will honor a “Certificate of Creditable Coverage” and thus cover the pregnancy. The key is that you must have been on the previous U.S. insurance plan for at least 12 months, and that there is not a gap of more than 63 days between cancelling your U.S. plan and enrolling in the international group plan.
(2) We have two international career plans that will provide long-term insurance for a pregnant woman–but they will not insure thepregnancy. If you enroll in either of these plans, they will put a “rider” or “waiver” on the pregnancy. Of course, any other medical problem will be covered.
(3) You can enroll in a short-term plan. These plans provide coverage for from one day up to three years. The plans will not provide coverage for the pregnancy, but if you break your leg or have a medical problem unrelated to the pregnancy, you will be covered.
We know of no international medical insurance plans that will provide coverage for a woman already expecting. Visit “International Travel Insurance – Pregnancy” for added information.
TWEET-ABLE – I’m already pregnant. Can I get international insurance? [Tweet this]
Insurance Policy Information: International Travel Insurance with International Health Insurance