Swine Flu was discovered in Mexico in March of 2009 and is spreading all over the world. Tens of thousands of US students travel overseas in study abroad programs. Along with these are added thousands of volunteer workers who are involved with non-profit organizations, not counting international tourists and travelers. Whether for short-term trips or long-term experiences abroad of a year or more, individuals need to deal with the prospect of swine-flu infection.
Good Neighbor suggests the following excellent insurance plans.
EXCURSION TRAVEL INSURANCE POLICY
- Coverage must originate in the USA
- Coverage for up to 84 years of age
- Coverage limited to six months
- Requires travelers to have US underwritten health plan or Medicare A, B and C
- Covers all pre-existing health conditions
VOYAGER INSURANCE POLICY
- Coverage must originate in the USA
- Coverage for up to 74 years of age
- Coverage limited to six months
ATLAS INTERNATIONAL TRAVEL INSURANCE POLICY
- Sports rider available
- Includes political evacuation
- Medical benefits provided up to six months from time of injury/sickness
- One month of home country coverage available if meet requirements
- Renewable up to three years
ROUND TRIP – TRIP CANCELLATION INSURANCE
- Trip Cancellation, Interruption or Delay
- Must be resident of the USA and/or purchase while in the USA
- Emergency Medical and Medical Evacuation
- No pandemic exclusion
- “Cancel for Any Reason” Option
- Good for Domestic and International Travel.
- Optional Flight Accident Coverage of $100,000
IMG GMMI Gold (Also for non-Americans residing in the USA)
- World health insurance coverage
- Maternity rider option available at $2500 annual premium and may be added at start of policy or at time of renewal with a 12 month waiting period for the full benefits to kick in
- Newborns are automatically accepted for coverage at birth without underwriting if other requirements are met
- Complementary medicine such as acupuncture, aroma therapy, herbal therapy, massage therapy, vitamin therapy, etc.
- First Health network in the US or use any medical facility in the US
- Child wellness benefits included and adult wellness benefit starts at age 30
- Mental/Nervous covered and more benefits
HTH GLOBAL CITIZEN EXPATRIATE INSURANCE
- Global health insurance plan with permanent coverage in the USA
- Co-pays, Rx co-pays, cash less claims in the US and outside the US
- Network in the US / Aetna US Network. May use any medical network overseas
- Global community of contracted hospitals in 160 countries with direct payment to providers.
- Backed by a U.S. Insurer, no matter how much time you spend in or out of the U.S.:
- UNICARE Life & Health, a WellPoint company rated A- (Excellent) by A.M. Best
- HM Life Insurance Company of Pittsburgh, PA rated A- (Excellent) by A.M. Best
- HM Life Insurance Company of New York, NY rated A- (Excellent) by A.M. Best
- Only 6 month wait on PRE-X conditions then covered up just like new medical issues
- Maternity Benefits after 12 months of coverage
- Newborns automatically accepted when maternity rider is on the policy
(1) Insurance companies provide medical evacuation to nearest medical facility that can give adequate care. They will evacuate back to the home country if necessary. This is determined after consultation with the insured, the doctor on site, the doctor working with the insurance company and insurance company personnel that handle evacuations. Please note that medical evacuations are not covered if not approved and administered by the insurance company.
For a wide assortment of other polices that will provide adequate medical coverage for you anywhere in the world go to our corporate page: www.gninsurance.com.
*** GNI News Release on Swine Flu Epidemic