Are You Selling Travel Insurance? Check Out These 5 FAQs Regarding Travel Insurance

image from media.licdn.comAs someone who’s selling travel insurance, whether you’re a seasoned insurance broker, or perhaps a tour operator who newly implemented travel insurance into their product offering, you’ve all probably been bombarded with some of the same questions over and over. Whether customers need a 411 from the very get-go explaining the many uses of travel insurance, or need insight into something a bit more particular, it might help to have a handy guide that you can study and follow. What are these frequently asked questions? Let’s begin!

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3 Things to Consider Before Purchasing U.S. Visitor Health Insurance

By Chaitanya Bala

  image from i.imgur.com

Choosing the right health insurance for visitors to the USA can be a very tricky process. After all, the United States has one of the most complex healthcare systems around, which means that not getting travel insurance isn’t a wise option. Sure, when traveling to other countries (especially second world countries where having travel medical insurance is likely pricier than just getting treated at a local medical facility) it might seem that travel medical insurance is something you can easily omit. Although travel insurance is always a safe bet anywhere you go, we can agree that in some areas of the world, it’s not as risky to be uninsured.

But…the United States is a different ball game.

Coming to the United States as a visitor without travel medical insurance can be pretty chancy. It can be like riding a Harley without a helmet, driving a car without a seatbelt, and well…you get the picture. The point is, U.S. visitor health insurance is a pretty smart investment to make when you come here to visit for a short, or even extended period of time. With the high costs of medical treatment in this country, a simple visit to the doctor’s office without travel medical insurance can be detrimental to your finances. Now that we’ve covered why visitor’s travel medical insurance is critical when coming to the United States, one question still remains…

What’s the right visitor’s travel medical insurance for you?

There are quite a few factors that visitors can take into consideration here as they select the right travel insurance plan for them. Let’s go through each of these!

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4 Ways Worldwide Assistance Can Be Helpful During Medical Emergencies

By: Chaitanya Bala

AIf you’re raising your eyebrow right now, puzzled with regards to what exactly worldwide assistance is, you’re probably not the only one. Often times, this benefit which is automatically included in most travel insurance plans, gets buried to the bottom of coverage descriptions, since there really isn’t a monetary value associated with it. As Trip Cancellation and Emergency Medical Evacuation are both pressing issues where your travel investment, or the money you’ve spent on a trip as well as potential costs, are at stake, these are generally the benefits that are really emphasized on most policy plans.

However, worldwide assistance is more crucial than it may appear on paper. It may be the difference between a policyholder getting coverage for their claim, and getting denied. It can also save you a lot of time, as well as keep you from getting overwhelmed. Emergency situations are stressful and nerve-wracking enough to deal with as they are, so having to coordinate next steps on your own probably isn’t the best idea. Here are the 4 ways contacting worldwide assistance when you run into emergencies can make your life much easier.

 

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4 Ways Worldwide Assistance Can Be Helpful During Medical Emergencies

If you’re raising your eyebrow right now, puzzled with regards to what exactly worldwide assistance is, you’re probably not the only one. Often times, this benefit that is automatically included in most travel insurance plans, gets buried to the bottom of coverage descriptions, since there really isn’t a monetary value associated with it. As Trip Cancellation and Emergency Medical Evacuation are both pressing issues where your travel investment, or the money you’ve spent on a trip as well as potential costs, are at stake, these are generally the benefits that are really emphasized on most policy plans.

However, worldwide assistance is more crucial than it may appear on paper. It may be the difference between a policyholder getting coverage for their claim, and getting denied. It can also save you a lot of time, as well as keep you from getting overwhelmed. Emergency situations are stressful and nerve-wracking enough to deal with as they are, so having to coordinate next steps on your own probably isn’t the best idea. Here are the 4 ways contacting worldwide assistance when you run into emergencies can make your life much easier.

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Get Your Friends and Family Ready to Visit, Starting with U.S. Visitors Insurance

By Chaitanya Bala

image from nis2.orgWith the holiday season coming up, many international students are having their parents and relatives come to the States so they can check out their living arrangements and get a taste of American culture. With a huge number of international students studying in the U.S., it’s no surprise that there’s a lot of overseas travel back and forth during the winter months; students are either returning home for the holidays or trying to get his or her guest(s) to the United States.

If you’re an international student who wants your family, significant other, or friends from your home country to come visit the U.S. during your holiday break – or even if you’re not a student and simply want your relatives to visit from another country – you may have many questions; namely, what steps do they need to take to ensure they’re prepared for an enjoyable trip?

That’s why we’re here to help!

Let’s assume that your guest has already applied for a B-2, or a visitor’s visa, has been granted the visa, and has an up-to-date passport. Here are the next steps they need to take – starting with buying U.S. visitors insurance – as they get ready to come to the United States for the holidays:

 

Get Visitors Insurance for the U.S.A.!

This is by far one of the most crucial recommendations we can give you. As a person who travels to India often, I will admit that I have never gone to India with a travel insurance policy since healthcare is pretty cheap there.

However, I definitely wouldn’t dare travel without travel insurance if I were traveling from India to the United States. This is because travel insurance for visitors traveling to the United States covers healthcare expenses, which as very expensive in the U.S. relative to the countries visitors may be coming from. According to John Hopkins professor, Gerard Anderson, an average emergency room bill without health insurance is $8,094.21. And with insurance, this cost is reduced to $309.57.

If residents of this country who make enough money to sustain a living are reading this in astonishment, imagine how things would be for a traveler who’s brought just enough money for some leisure activities and goods, and ends up facing a medical emergency with no insurance! Before your guests come to the U.S., definitely urge them to purchase a U.S. visitors insurance policy.

 

Get Up-to-Date Vaccinations

One of the requirements for immigrants entering the United States is that they must be vaccinated to protect against a particular group of infectious diseases. Make sure to communicate to your guests that they must have up-to-date vaccinations for these diseases, including measles, polio, and hepatitis A and B. Have them check out the full list provided by the CDC.

 

Figure out their Phone Situation

Are your guests going to use your phone the entire time they’re in U.S.? Are they going to change the SIM card on their phone while they’re here? Or, are your guests simply going to purchase a cheap phone to use during their stay here in the United States? It’s quite possible your guests are already cognizant of this, so just remind them to consider what they’re going to do for communication before they come here.

 

Bring the Right Amount of Money

Depending on where your guest is traveling from, the difference between the value of the U.S. dollar and the value of the other currency can be either barely discernible, or dramatic. Based on your knowledge of the exchange rate and your guests’ spending habits and budget, give them a ball park estimate of how much money would be sufficient to bring. Some other questions that your guests should consider is whether or not using a foreign credit card will be a good idea. If so, where should they go apply for one? Or should they carry around all cash? Your guests should also determine when they’re going to exchange currency and where. Once they get this squared away, they can ensure they have enough money to enjoy their stay!

 

Don’t Forget the Adapter Plugs!

In a day and age when we live and breathe technology, having your laptop or other electronic devices die with no way of bringing them back to life is pure torture. I still remember one time when I went to India and had accidentally dropped my adapter in the back of the taxi cab. Let’s just say the next two weeks went by really slowly. That’s why it’s super important to ensure that your guests have the right power plug that is compatible with electrical outlets in the United States. They can purchase adapters online, or at travel stores in their city. 

 

We hope things go smoothly as your friends, significant others, and family members get ready and come visit you in the U.S. for the holidays! Good luck!