Should you buy insurance through a broker?
An insurance broker should guide customers attempting to navigate the complicated maze of insurance. A good broeker does not simply sell insurance and collect a commission. A good broker holds your hand and helps you get your questions answered. They make sure you get the help you need from the insurance company when you have a medical claim. An seasoned broker can bring a wealth of experience and information to their clients.
Here are two brokers who were recommended to Assembly Care because of their excellent service. Sometimes they can sell insurance at the same price as the companies will sell them to you because the insurance provider likes to work with brokers who know the field and the language of business well. They allow the broker to do a lot of the leg work and customer service with missionaries that do not know all of the in's and out's of insurance.
Short Term Coverage Overseas Trips
Travel Insurance review is not an insurance broker, but they have lots of good information on travel insurance policies. They also have links on their site to sell travel insurance so - they are not impartial. It's a good place to start however.
What are all the in's and out's of travel insurance for short trips outside the U.S. ?
This 2014 video by Good Neighbor Insurance explains the differences between four main kinds of travel Insurance ( trip cancellation insurance , travel medical insurance, evacuation coverage, etc..) Good Neighbor Insurance is a third party broker that sells insurance, but this is a good video made recently that covers these topics.
Good Neighbor's overseas travel insurance website is: www.overseastripinsurance.com/
Canadian News video explaining the surprises that await people who have not prepared for an injury or illness overseas. Don't be caught off guard.
Overseas: Health & Travel Warnings
U.S. DEPT of STATE TRAVEL PAGE.
U.S. CONSULAR BROCHURES ON TRAVELLING ABROAD - passports, U.S. embassies abroad, how other laws affect you in foreign countries.
U.S. Embassies and Consulates
Medical Information for Americans Traveling Abroad from the Dept of State. includes a long list of companies foreign and domestic providing medical evacuation services for a fee)
Tips for Americans Residing Abroad from the Dept of State.
Medical & Emergency resources for overseas.
Medical resources for short term travel outside of the U.S.
Prescriptions may have the same name overseas but different active ingredients; avoid confusion..CLICK HERE
Medicare does not cover healthcare outside of the U.S. - CLICK HERE
International Society of Travel Medicine (Clinic Directory) The ISTM Clinic Directory is designed to help you locate health care professionals with an expertise in travel medicine. Listing in the Directory is an exclusive benefit for ISTM member doctors, but it is not automatic. It is up to individual members to create and update listings in the Directory. Hundreds of clinics in nearly 50 countries are included in the Directory.
World Health Organization's International Travel & Health book. Travellers may encounter sudden and significant changes in altitude, humidity, microbes and temperature, which can result in ill-health. In addition, serious health risks may arise in areas where accommodation is of poor quality, hygiene and sanitation are inadequate, medical services are not well developed and clean water is unavailable.
- HEALTH INFORMATION ON ANY COUNTRY IN THE WORLD World Immunization Chart - From IAMAT web site.
- Find out what immunizations are needed for the country you are traveling to. International Association for Medical Assistance to Travelers IAMAT is a nonprofit organization established to provide medical information to travelers and to make competent medical care available to them worldwide. IAMAT maintains an international network of physicians, hospitals, and clinics who have agreed to treat IAMAT members in need of medical care while abroad. Membership is free, although a donation to support IAMAT efforts is appreciated. Members receive a directory of participating physicians and medical centers and have access to a variety of travel-related informational brochures .