FX Excursions

FX Excursions offers the chance for once-in-a-lifetime experiences in destinations around the world.

Travel Medical Insurance

Jul 1, 2009
2009 / July 2009

It’s a dilemma we’d rather not contemplate when planning a trip: What if a medical crisis strikes while I’m traveling? What if I’m too ill to travel home? Does my medical insurance cover me in another country?

Every traveler needs to face a few realities before leaving home. Obtaining medical treatment abroad can be expensive, and U.S. medical insurance generally is not accepted outside the United States. Medicare and Medicaid programs also do not cover medical costs outside the country. And, if you are too ill to travel, medical evacuation back to the United States can cost from $20,000–100,000, depending on location, travel distance and severity of the illness.

The World Health Organization advises travelers to carry travelers’ medical insurance for destinations where health risks are significant and medical care is expensive or not readily available. Whatever your destination, however, you should consider purchasing a short-term travel medical insurance policy, especially if your own medical insurance does not cover you abroad.

Specialized healthcare for travelers is a rapidly growing business. Many private companies now cover hospitalization and medical care in case of illness or injury, repatriation for health reasons, medical evacuation via air ambulance and expenses incurred due to illness-related changes in itinerary. Some also guarantee access to English-speaking medical professionals.

Rates for policies naturally vary depending on the specific terms and length of travel. Since these are short-term policies, however, they are relatively inexpensive and can provide great peace of mind. Packages are designed to cover individuals, families, groups, senior citizens and students studying or traveling abroad, and for lengths of stay as short as a few days. Annual policies may offer the best value for frequent travelers or Americans living abroad for extended periods.

Keep in mind that while the U.S. Embassy can assist travelers in finding medical care, travelers are still responsible for the expense. Before you travel, check with your U.S. medical insurance provider to see if you are covered abroad and the details of that coverage. If traveling on business, find out if your company provides employees with international travel medical insurance.

Following are several companies that offer travel medical insurance; for a more comprehensive list visit the U.S. Bureau of Consular Affairs website (http://travel.state.gov/travel/). As with the purchase of any insurance policy, do your research: Read the details, speak to a representative, ask questions and determine the amount and type of coverage that will suit your needs.

MedjetAssist (http://www.medjetassist.com) offers more of a membership program than a health insurance plan. Several programs are available, from annual domestic or international memberships for individuals and families to expatriate memberships for U.S. citizens living abroad. For an additional annual fee, the Plus Program provides services such as online medical and document storage, free international cell phone rental, personal travel advisors, discounted satellite phone rental, cash advance for medical emergencies and specialty transport services. Unlike many evacuation services, MedjetAssist lets travelers choose the hospital they want to be transported to for treatment.

MEDEX (http://www.medexassist.com) offers travel medical insurance for business and leisure travelers, government contractors, academic travelers and non-profit organizations. Their basic plan provides short-term medical insurance, emergency medical evacuation, repatriation and worldwide 24-hour medical assistance. Travelers pay a daily rate determined by age plus a co-pay per illness or injury. The plan covers trips of seven to 90 days; if you average more than five trips per year, a different rate applies. Other programs offer coverage based on age, length of travel, selected medical benefits and selected deductibles. MEDEX SafeTrip provides emergency evacuation, repatriation, and worldwide travel assistance for those traveling 100 or more miles from home. All programs include multilingual experts available 24/7 to help with medical, travel, legal, security and other travel-related emergencies.

TravelersMed (http://www.travelersmed.com) provides a variety of short-term international policies for individuals or families. Plans vary from five days to three years, with coverage from $50,000 to $2 million and a choice of deductibles. Short-term policies for travelers age 70 and older may have maximum benefit limitations. Those under age 50 whose adventures will include hazardous or extreme sports — everything from scuba diving to whitewater rafting to rock climbing — can enroll in the Patriot Extreme policy (many medical plans do not cover extreme sports).

Travel Guard (http://www.travelguard.com) offers travel medical insurance for international and domestic travel, including worldwide medical evacuation that will transport you home or to the hospital of your choice, plus cover any qualified medical expenses you may incur. The plans are available on a per-trip or annual basis and include 24/7 assistance. You can receive a quote for an annual membership or single trip by entering your travel information at their website.

Introducing

FX Excursions

FX Excursions offers the chance for once-in-a-lifetime experiences in destinations around the world.

#globility

Insta Feed
Daily
Sep 22, 2021

La Concha Hotel Puerto Rico Review

Arriving early afternoon in Puerto Rico, we jumped in an Uber and took a short, 15-minute drive from the airport to La Concha.  As it was Tuesday, the streets were not too busy and the hotel lobby was calm. During the weekend, the scene likely would have been more bustling. We were greeted by a staff member who requested proof of vaccination and government-issued ID, and were given a wristband to indicate we were fully vaccinated. All guests are required to be vaccinated and wear masks at all times while moving around the hotel. Hand sanitizer stations were placed around the lobby, in elevators and in each common area.

The Future of Hamad International Airport

Without a doubt, the pandemic changed the role of airports in the travel industry. Hamad International Airport’s role evolved in many ways since the pandemic hit. Now, more than ever, airports are responsible for creating a secure passenger experience. As the gateway to Qatar and the world, the safety and wellbeing of staff and passengers has always been at the core of Hamad International Airport’s strategy.

September 2021
Sep 21, 2021

Retreat into Luxurious Stillness at The Rittenhouse Spa & Club

The Rittenhouse has long stood out as one of Philadelphia’s finest hotels, centrally located in one of the city’s poshest neighborhoods. Needless to say, I knew I was in for an afternoon of luxurious pampering when I hopped in my car and headed down I-95 from my suburban home to the heart of the City of Brotherly Love. As I drove through the seemingly endless roadwork on the highway, I realized just how long it had been since I’d driven this once-familiar route into the city as a result of the pandemic. Of course I was eager for the relaxation and bliss that was in my future, but it was also a welcome feeling to head back into Philadelphia for a moment of normalcy.

Daily
Sep 21, 2021

7 Reasons to Put Nice, France, on Your Travel List

It’s time to start dreaming of your next trip. Here’s some destination inspiration for you. Take a visual journey through Nice, France, with us.

Experiencing GBTA Convention 2021
Safely and Responsibly

GBTA’s Convention 2021 will bring the business travel industry together for the first time in a long time. Once again, you’ll learn and connect with experts and each other, along with discussions with leading thinkers, entrepreneurs and change makers addressing the issues that matter most.

Daily
Sep 21, 2021

Fall and Winter Offerings in New Orleans

New Orleans draws visitors with exciting events this fall and winter.

September 2021
Sep 16, 2021

Philadelphia’s Fairmount Boasts Impressive Collections and a Friendly Vibe

As a native of the Philadelphia region, I’m quite familiar with the drive in and out of the City of Brotherly Love. Even as the city’s skyline continually transforms, my favorite views of Philadelphia have always been along Boathouse Row, with the Philadelphia Museum of Art rising in the background, before looping around the museum to the flag-lined Benjamin Franklin Parkway. Home to many of Philadelphia’s incredible and world-renowned museums, the Fairmount neighborhood is fittingly aesthetically pleasing and practically synonymous with fine art.

Greece: Destination Luxury

Since its prestige for attracting the world elite grew in the 1960s, Greece remains the go-to destination for glittering holidays. Each step of the journey is enrobed in luxury, from culinary traditions with the highest standard of execution and name-brand, high-end shopping to first-rate wellness locales and elite accommodations, like 5-star hotels, private villas and yachts.

Daily
Sep 16, 2021

Rosewood San Francisco to Open in 2026

Set to open in 2026, Rosewood San Francisco will be the last skyscraper developed in the downtown region for the foreseeable future. The projected 800-foot-tall property will host a hotel, residences, office and rental spaces. The brand’s third property in California will join Rosewood Sand Hill in Menlo Park, and Rosewood Miramar Beach in Montecito.