our professionals: INSURANCE SPECIALISTS
By J.B. Gross of J.B. Gross Insurance
ecently Lori and I were having dinner with two
couples and the subject of traveling outside of the
United States came up and the many perils that can
occur. Each of us had either a personal experience or an
acquaintance that had some sort of international travel
Most of us tend to be complacent at home with our
healthcare. We have our medical ID cards that assures
our medical care is addressed, what facilities are avail-
able and how our claims will be processed.
Put yourself in a foreign country. You are faced with
a medical emergency. Do you know the language? Do
you know where to go for care? Are you alone? How will
your family know how to care for you? How will your
care be paid?
Get the picture?
International travel can be exciting and enriching. But it
doesn’t take much — maybe just a fall, a sudden illness,
life threatening heart attack or stroke. Why incur extra
stress and uncertainty in an already traumatic situation.
Consider this: International Medical and Travel
Insurance can provide the coverage you need.
Who would benefit from this coverage?
• International vacationers
• Relatives visiting from overseas
• Peo ple going on cruises safaris or guided tours
• International business travelers
• Students studying abroad
Depending on where you travel, you may encounter
language and currency barriers that prevent you from
accessing high-quality medical care.
Traveling unprotected can leave you vulnerable to paying
high out of pocket medical expenses, and navigating a
foreign health care system without the assistance you
The cost for this coverage is surprisingly affordable, an
average plan may be less than $5 per day. The cost of a
plan varies based on many factors including:
• Age of Traveler--coverage is available for all ages
• Destination-- medical expenses vary around the world
• Duration of Trip
• Deductible, Maximum Limits, & Additional Optional
Coverage. Customize your plan by choosing benefits that
are best for you.
Medical and Travel Insurance is designed to provide
temporary medical insurance while you’re going on an
international trip. These insurance plans provide you a
wide range of coverage:
• Emergency medical, including emergency medical
• Political evacuation, natural disaster and terrorism
• Accidental death and dismemberment
• Repatriation of mortal remains
• Emergency transportation
• Physician visits
• Diagnostic procedures
• Prescription medications
OVER AGE 65 — DID YOU KNOW?
MEDICARE STOPS AT THE BORDER: It’s true, Medicare
and many domestic plans offer little or no coverage for
Traveling abroad is an exciting experience, but unpre-
dictable illnesses and accidents can happen. Medical bills
can be overwhelming. The level of international medical
coverage by your domestic insurance provider can vary
greatly depending on your plan. You may have limited
or no coverage at all. A Medical and Travel plan can
provide the coverage you need.
Want to learn more? Contact J.B. Gross Insurance
Agency to learn how such a plan can benefit you.