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Ask Jeff – International Travel Insurance Answers

Ask Jeff Travel Insurance Questions and Answers

This page contains dozens of short articles about international travel health insurance. If you have a question, we probably have your answer here! For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles.

Choose from a series of articles by clicking on a Topic/Area of Interest BELOW


1. General International Insurance FAQs – Questions and Answers

  1. Applying for international health insurance online
  2. Automatic credit card deductions
  3. Avoid being declined for health insurance
  4. Before you go – a travel medical checklist
  5. Choosing a health insurance plan – What to look for
  6. DON’T COUNT ON ALWAYS BEING HEALTHY! (Importance of International Health Insurance)
  7. Good health is more important than good health insurance
  8. Having “no insurance” isn’t free – What it costs to be uninsured
  9. Health Insurance for Frequent Travelers
  10. How Does Medical Evacuation Work?
  11. Low deductible vs high deductible. What’s best?
  12. Medical evacuation – How much coverage do we need?
  13. Paying for medical care received inside/outside the USA
  14. Please read your policy
  15. Survey: Why Americans want international health coverage
  16. The difference between an insurance agent and a broker
  17. The difference between gambling and insurance
  18. Trip cancellation & Travel insurance – What’s the difference?
  19. Trip cancellation and medical insurance in one package
  20. When is the best time to get health insurance?
  21. When should I submit my insurance application?
  22. Why Is Insurance Important?
  23. Why use a broker for international insurance? How much does it cost?


2. Understanding insurance terminology and plan types

  1. “Deductible” is not a dirty word
  2. Age and insurance premium
  3. American PPOs & HMOs – What’s the difference?
  4. Exclusions
  5. Explaining co-pays, deductibles, and co-insurance
  6. HIPAA / portability insurance
  7. How does an insurance company determine preexisting conditions?
  8. How medical evacuation works
  9. Insurance waivers/riders, rate-ups, & capped coverage
  10. Is credit card travel insurance/assistance adequate for international health and travel safety?
  11. Managing insurance for pre-existing conditions
  12. Pre-existing conditions
  13. The “pre-existing condition” problem?
  14. Underwriting – What is it?
  15. Underwriting at the point of application
  16. Weight, weight charts and health insurance
  17. What is a “Certificate of Insurance”
  18. What is co-insurance?
  19. What to do when the weight chart says you aren’t tall enough?
  20. What’s a “pre-existing condition”?
  21. What’s a “rider”? What’s a “waiver”?


3. Which plan is best for you?

  1. “Strong” & “weak” career international health plans
  2. Choosing a health insurance plan – What to look for
  3. Choosing a health plan
  4. Controlling unbearable insurance rates
  5. Finally! Career health insurance for single women
  6. Four different types of career health insurance plans
  7. Health insurance coverage here, there, or here & there?
  8. High or low deductibles – What’s best?
  9. How large a deductible should I choose?
  10. How much should I reveal on my application?
  11. Low Deductible. High Deductible. Which is best?
  12. Medical evacuation – How much coverage do we need?
  13. Options for coverage of pre-existing conditions
  14. Splitting policies – A way to save money
  15. Ten reasons to purchase global citizen
  16. The “Large print giveth, the small print taketh away”
  17. The wisdom of a high deductible
  18. Travel Health Insurance Rates if Coverage in the USA is Excluded
  19. Want to save money? choose a high deductible
  20. What to look for when rates are too good to be true
  21. When is a plan with a strict pre-existing requirement a good idea?


4. How-to use and manage your insurance plan

  1. Applying for health insurance online
  2. Canceling your insurance coverage – How to do it
  3. Cut International Insurance Premium By Up To 80%
  4. Getting health insurance records
  5. Getting the most mileage out of your insurance
  6. Health conditions not covered in the first six months
  7. How do I get my newborn on my insurance plan?
  8. Keep those medical receipts
  9. Keep your insurance account current
  10. Know your insurance plan
  11. Out of Network Healthcare, a recurring problem
  12. Paying for medical care received inside/outside the USA
  13. Please read your policy
  14. Pre-certification
  15. Preventive Care
  16. Renew your career plan outside the USA
  17. Renew your career plan outside the USA 2
  18. Renewed policies more expensive than new policies!
  19. Strategies to control insurance renewal increases
  20. The importance of pre-certification
  21. Why insurance is cancelled


5. Maternity coverage and benefits

  1. A New And Better Maternity Plan
  2. Coverage before you leave the USA & for newborns
  3. Coverage for newborns
  4. Maternity coverage & coverage for newborn
  5. Maternity Coverage And Career Insurance
  6. Maternity coverage for the international worker
  7. New-borns not covered if not enrolled within 30 days of birth
  8. Website for pregnant travelers


6. Claims – How to file a claim, get reimbursed, answers, more…

  1. Claims – Go Directly to Insurer’s Claims Department
  2. Claims reimbursement – Why is it such a pain?
  3. How insurance companies determine “usual, reasonable and customary”
  4. Insurance Claims
  5. Key to short-term health insurance claims
  6. Paying claims – how long should it take
  7. Speed up the claims process
  8. Submitting Claims
  9. Submitting Claims Late can be Declined
  10. Tips on filing a health insurance claim
  11. When your insurance won’t pay
  12. When your travel insurance is your “primary coverage”


7. Insurance for special situations – What do I need? and answers to questions

  1. Ebola Crisis in West Africa and insurance claims from those nations
  2. Health coverage for the frequent international traveler
  3. High Limit Accident / Terrorism Insurance
  4. How Does Medical Evacuation Work?
  5. Improved multi-trip insurance for repeat travelers
  6. Insurance Coverage in war zones
  7. Insurance for single women
  8. International Dental Insurance
  9. Kidnap and ransom insurance; disability and liability coverage
  10. Medical Evacuation Insurance — Do you need it?
  11. Overseas coverage for American Medicare recipients
  12. Settling back into the USA after an overseas assignment
  13. Trip cancellation and medical insurance in one package
  14. What to do if kidnapped while traveling overseas


8. Short-term travel medical insurance

  1. Auto-decline conditions and insurance solutions for short-term insurance
  2. Benefit period determines insurance coverage
  3. Chart comparing evacuation benefits
  4. Chart comparing lost luggage benefits
  5. Chart comparing political evacuation benefits
  6. Chart comparing terrorism benefits
  7. Chart comparing trip interruption benefits
  8. Inexpensive short-term health coverage in the USA
  9. Making sure your short-term insurance will cover claims paid in the USA
  10. Pay-per-day rates for short-term plans
  11. Short-term insurance & the “benefit period”
  12. Short-term plan that covers pre-existing conditions
  13. Short-term plans and home country coverage
  14. Short-term vs long-term major medical coverage
  15. The beauty of short-term health plans
  16. The cost of not having short-term team insurance – A true story
  17. Trip cancellation with medical & evacuation coverage
  18. What to look for in short-term health insurance


9. Teams: Short-term team plans for groups needing short-term insurance – Answers to questions

  1. International short-term team health insurance
  2. More about short-term trip insurance for teams
  3. Online short-term “team” health insurance (Part 2)
  4. Online short-term team health insurance (Part 1)
  5. Short-term international team insurance
  6. Should we recommend or require overseas trip insurance?


10. Group health insurance – For international organizations – How to save, select benefits, and more

  1. Affordable group term insurance for field staff
  2. Before you go – a travel medical checklist
  3. Cut group insurance by shifting to basic coverage plan
  4. Enrollment procedures for group insurance
  5. Group coverage — complete takeover
  6. Group health coverage for a small organization
  7. Group health insurance for sub-groups of NGOs
  8. Group insurance for non-american organizations
  9. Group insurance for two or more units?
  10. Group insurance without a participation ratio
  11. Is group insurance less expensive than individual insurance?
  12. Key questions when choosing career health coverage
  13. One key advantage of “true group” insurance
  14. Save money on group health insurance
  15. Self-funded insurance plans
  16. Switching group coverage
  17. The value of getting a group insurance quote
  18. When is it time to consider changing carriers?
  19. Why get long-term group insurance for overseas staff?


11. Term-Life Insurance for those going overseas – Options and answers

 

  1. International term life insurance options
  2. What is term insurance?


12. Understanding rising health and medical costs for international insurance

  1. Insurance rates will increase
  2. Interesting & alarming stats on healthcare costs
  3. Rate comparison of international and domestic health insurance
  4. Rising health care costs
  5. Rising insurance rates
  6. The real driver behind health care costs
  7. Trying to make sense out of rising health insurance costs
  8. Why international insurance rates increase


13. Coming to the USA or Canada – For visiting / those immigrating or returning home – Long-term or short-term

  1. A US health insurance plan that declines no one
  2. Coverage on both sides of the ocean
  3. Get up to two years of health coverage when returning to the USA
  4. Insurance for home country visits
  5. Insurance Plans And Coverages Available For International Travelers, Immigrants To The US and Others
  6. International health plan with US coverage
  7. Medical insurance while in USA
  8. Retiring in the USA, but can’t get Medicare?
  9. Short-term coverage in the USA
  10. Team/individual insurance for trips in the USA & Canada


14. Miscellaneous articles

  1. Dangerous liaisons – Mixing drugs
  2. Denied insurance? Why does it hurt?
  3. Generic drugs – How safe are they?
  4. Insurance fraud and volunteer workers
  5. Medical advice for overseas travelers, along with insurance tips
  6. Medical guidelines for international workers
  7. Reapplying for an insurance plan–why so difficult?
  8. Short history of “Lloyd’s of London”
  9. Some amazing statistics on U.S. health insurance
  10. The curse of being declined for health insurance
  11. The problem with spam filters
  12. Why some insurance companies lose money


15. Medicare: Parts A, B, C, and D

  1. Key thoughts about Medicare Parts A, B, C, and D

 

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