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Where To Buy Travel Health Insurance

Recent statistics reveal that only 30 percent of Americans carry additional health insurance when travelling abroad. What many of that other 70 percent don’t realize is that domestic health insurance policies generally don’t provide coverage outside of the country. In other words, if a traveller is in an accident or misplaces his/her medication, then they’re going to have to foot that bill out of pocket.

The purpose of travel health insurance is to manage that risk, but choosing the right travel insurance is not a simple, and it’s very common to overpay or to acquire insufficient coverage.

Current Health Insurance Providers

Before shopping around for travel insurance, it’s best to contact one’s current healthcare providers. The current policy may include or may have upgrade option for it, and if not, the provider may be able to connect their client with one of its international partners. It’s not unusual for European and North American insurance providers to have such agreements in place. The advantages of acquiring travel insurance through a current provider are as follows:

  • Trust in the brand
  • Reduced rates and other discounts
  • Local service available
  • Current provider can broker claims
  • Other Current Insurance Providers

If a current health insurance provider cannot offer or arrange travel insurance, it may still be possible to acquire it through another insurance source. Ideally, a person should contact any and all current insurance providers before contacting an outside firm. Agents to contact include those that provide:

  • Home insurance
  • Vehicle insurance
  • Life insurance
  • Income protection insurance
  • Choosing an Independent Provider

If those channels are exhausted without success, then it’s the right time to seek travel insurance with a new company. Even if a person is not a frequent traveller, they should perform this process with the goal of building a long-term business relationship with the provider.

It’s important to keep in mind that the majority of companies that provide travel health insurance for Americans abroad are internationally based. That means that it’s much more difficult to file claims and challenge unfair treatment, which makes it even more important to choose a company with great integrity.

When deciding where to buy travel insurance, consider the following points:

References —

Travellers should ask family, friends and associates about positive and negative experiences with travel insurance and use that as a starting point. If someone you know has had a good experience, then you can have more faith in that company than those you call cold.

Reputation —

If a reference isn’t available, then challenge the company’s reputation. The Internet can be an invaluable resource. The Better Business Bureau in the U.S. also has a division for European companies. You can also call the Chamber of Commerce in the country where the provider is based.

Cost —

Don’t settle for the first quote, but it’s not necessarily ideal to chase the lowest quote. Optimally, you should get quotes from at least three providers, and then use the average as an indication of a fair rate.

24/7 Assistance —

Don’t consider any travel insurance provider unless they provide around-the-clock customer service in English or your preferred language.

Coverage in Your Destinations —

Likewise, don’t assume that a provider provides coverage in all of your destinations. This is particularly important for travellers who will be visiting multiple countries. Create an itemized list of those countries, and have the provider sign off on each of them.

Preexisting Conditions —

As a general rule, travel health insurance will not cover preexisting conditions. Seek coverage, but if you cannot find it, then talk to your current provider to determine what your options are in the event of an emergency.

Cancellation Options —

The best way to purchase travel health insurance is to purchase it as far in advance as possible because the rates will be lower and you’ll be able to distribute the costs over a longer period. Since travel plans change, however, it’s important to know what your options are concerning cancellations, waivers and refunds.

The Comfort Convenience Of The Jumpsuit

Jumpsuits have been around for decades. In the 1970s, jumpsuits were regularly busted out on the dance floor and may or may not have been worn by John Travolta.

My love of the one-piece goes back many years to the 1980s when I spent days in my crib (an actual crib, not an MTV style crib complete with eight hot tubs and a rooftop pool) in my soft cotton baby romper. Fast-forward thirty years and I’m still obsessed with the onesie. Should a grown woman really be seen wearing what is essentially a top with attached legs? The answer is a resounding, why the hell not?

Why the allure of the one-piece wonder? Despite having a love of clothing since an early age, my love of sleeping in every morning meant getting ready as quickly as possible was sometimes more important than making complicated sartorial choices.

My desire to have minimal waist strain naturally steered me to the comfortable dress and the jumpsuit. Neither of them make me feel uncomfortable after eating a round of dumplings and a hearty bowl of ramen and I can just throw it on, add a few accessories and run out the door. If I had decided to wear a belt that day, it’s easily removed and placed in my handbag for the ride home.

Up to now, you’re probably picturing a complete blob of a person who likes to shuffle around town wearing a shapeless sack (accessorized with a skinny belt) or a leopard print stretchy jumpsuit with a crazed look in her eye. Neither of these could be further from the truth – I am in fact a normal person who just happens to love the ease of a romper.

Luckily, there are a myriad of options out there, both designer and high street, that can satisfy that jumpsuit craving. Ignore fashion editor advice to pair with heels only – you can totally work the look wearing flats or even trainers. At Glastonbury this year, the jumpsuit even looked great with a pair of knee high rubber wellies – although it’s a poor festival choice that you might curse yourself for when using the toilet facilities.

The humble jumpsuit now comes in every incarnation from stretchy animal print, dressy black, ditsy floral print to what even can pass off as a culottes. How very 18th century. Alexa Chung has even been spotted around London wearing denim dungarees – a level I have not stooped to because to me, stiff denim is so not comfortable.

I have to admit that one of the best things about wearing a jumpsuit, once you find the right one that suits you, is that it will feel like you’re bouncing around town in your pajamas all day. A major bonus is that those of us who don’t love to bare out legs all summer long now have an alternative to the maxi skirt or the full length black scuba suit. Even better than this season’s printed silky trousers, the jumpsuit means you never have to pick out another top to wear again and snuggle deeper into your duvet for another 20 minutes of blissful sleep tomorrow morning.