May 11th, 2012 by blindblom
If you are one of the many international students without health insurance you could be risking more than you think. The United States does not have universal health care meaning the government will not cover your medical expenses that are acquired while you are studying in the US. Since your medical bills are not taken care of by the US government it is highly recommended, and depending on your visa perhaps even required by the US federal government, that you purchase private health insurance.
Since health care in the US can be expensive and bills can accumulate quickly, having health insurance is a means of protection. International students without health insurance could be left with thousands of dollars of debt if a major accident were to occur.
Students with an F-1 visa are not required by the US to have adequate health insurance coverage, however, colleges and universities often have their own insurance requirements in place that international students must meet.
Individuals who will be in the US with a J-1 or J-2 visa must fulfill the following US federal government visa insurance requirements:
• Medical benefits of at least $50,000 per accident or illness
• Repatriation of remains in the amount of $7,500
• Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000
• A deductible not to exceed $500 per accident or illness.
An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-I” or above, a Standard and Poor’s Claims Paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant’s policy is backed by the full faith and credit of the government of the exchange visitor’s home country.
If you are one of many international students without health insurance looking for a plan that will meet federal or school requirements, contact one of our agents today to find a plan that will meet your needs.
Tags: International Students without Health Insurance
Posted in Student Health Insurance, Student Insurance, Visa Requirements | No Comments »
May 5th, 2012 by jfrankel
The academic is coming to an end, and for many of us, that means it’s time to make the most of our long summer break. Whether you plan to study or travel overseas, it is important that you are aware of the international climate prior to your trip. One great way to do this is by keeping up to date with the US Department of State’s website that issues travel warnings to update you on the risks and security concerns around the world. Since our last April 2012 Travel Warning announcement, there have been seven new warnings issued:
- Travel Warning for Iran – Issued 4/27/2012 – If you follow the news, then it is no surprise that Iran continues to make the May 2012 Travel Warnings list. Replacing the travel warning from October 21, 2011, travelers should be aware of security concerns and avoid nonessential travel. The warning especially warns those individuals with dual citizenship (Iranian and American) that they may “encounter difficulty in departing Iran”…where in some cases “Iranian authorities have prevented the departure, in some cases for several months”.
- Travel Warning for Cote d’Ivoire – Issued 4/23/2012 – The US Embassy in Cote d’Ivoire is currently operating and US government officials are now permitted to travel to the region. While there continues to be improving security concerns, there still remains the “potential for some civil unrest”. The warning also notes crimes such as mugging, robbery, burglary and carjacking to be possible concerns for travelers.
- Travel Warning for Burundi – Issued 4/18/2012 – Replacing the travel warning from November 25th, the new warning states that there are security concerns due to terrorist organizations. The US Department of State has an outstanding travel restriction on Embassy personnel. Those who travel to the region should avoid political rallies, demonstrations, and crowds due to potential civil unrest.
- Travel Warning for Eritrea – Issued 4/18/2012 – The travel warning in Eritrea has been updated, stating that the Eritrean government continues to restrict travel of all foreign nationals. While the US Embassy is operational, consular assistance is limited. This travel warning recommends that individuals defer all travel to the region.
- Travel Warning for Mali – Issued 4/9/2012 – The Mali Travel Warning has been updated since our last April 2012 Travel Warning Update. The warning advises against all travel to the country due to political instability and the threat of attacks/kidnapping.
- Travel Warning for Niger – Issued 4/6/2012 – Niger is included on the list of travel warnings due to the risk of kidnapping by terrorist groups. The US Embassy is restricting travel of US government personnel.
- Travel Warning for Kenya – Issued 4/4/2012 – Due to the threat of terrorism and violent crimes, the US government has updated the already-existing warning. Kidnapping and crimes against foreigners continue to exist, and travelers should avoid bus stops or stations, unmarked taxis, and to be aware of your surroundings.
As always, be sure to check out the US Department of State for the latest information – and find out even more information on these May 2012 Travel Warnings – on their website.
Tags: May 2012 Travel Warnings
Posted in Travel Warnings | No Comments »
May 4th, 2012 by blindblom
Italy is ranked as one of the top destinations for US students to study abroad. With its rich history, fine dining and exquisite shopping opportunity, it has the potential to provide students with a memorable experience that compliments their studies.
If you are one of the many students planning to study abroad in Italy in one of the upcoming semesters, you have probably already investigated the visa requirements that will need to be satisfied for your journey. Since Italy is included in the list of Schengen countries, you will need to obtain a Schengen visa, meaning you will need to purchase an insurance plan that meets the Schengen visa requirements.
The Atlas Travel plan meets the Schengen visa insurance requirements and provides you with flexibility, by allowing you to select your deductible and amount of coverage. This plan is also able to be purchased for a minimum of 5 days, up to 364 days with the option to extend coverage.
The Student Secure plan is another option for full-time students at a college or university in need of study abroad insurance for Italy that will meet the Schengen visa insurance requirements. The Student Secure plan allows you to choose from three levels of coverage, Smart ($200,000), Budget ($250,000) and Select ($300,000), each level will provide you with comprehensive coverage during your trip abroad.
Both plans will give you adequate study abroad insurance for Italy that meet the Schengen Visa requirements and will cover you anywhere outside of your home country if you decide to travel while studying abroad. Also, after you purchase your plan, you will have access to your visa letter that outlines your benefits and coverage amount.
If you would like more information on the Atlas Travel plan or Student Secure plan or would like to purchase your study abroad insurance for Italy, contact one of our licensed agents today.
Tags: international student insurance, Study Abroad Insurance for Italy
Posted in Country Requirements, Study Abroad | No Comments »
May 2nd, 2012 by ahoontrakul
As of May 1st 2012, any new Atlas Travel Medical plan purchased now offers even more coverage than before. Whether you are studying, working or traveling abroad, this plan has been enhanced to offer even more benefits for anyone needing short term medical coverage. Here are the highlighted benefits added to the Atlas Travel Medical Plan this year:
- Adventurous and hazardous sport coverage is now automatically included (at no additional cost to you!)
The Atlas Travel plan now automatically covers adventurous and hazardous sports as a standard benefit on the plan. At no additional cost, this plan will now cover you if you decide to go snorkeling, skiing, white water rafting, etc.
Many travel insurance plans will charge you to include sports coverage – and many plans require that you include this when you purchase the policy (and cannot be added later). We understand that many travelers are unaware of their activities prior to their trip – and shouldn’t your plan keep up with you? No need to worry, the Atlas Travel is now designed with even more complete coverage so that you can participate in these activities and know that you’ll be covered.
The Atlas Travel plan continues to provide you with the flexibility to purchase only the days of coverage you need from 5 days up to 364 days. Don’t waste money on plans that require you to purchase more than you need. If your plans change, you also have the ability to extend coverage right online.
- Increased coverage for an acute onset of a pre-existing condition
If you have a well maintained pre-existing condition, but are looking for coverage in case a sudden and unexpected outbreak or recurrence to your condition occurs, look no farther than the Atlas Travel plan. Now, the Atlas Travel plan will provide $20,000 in coverage for an acute onset of a pre-existing condition.
- Dental Pain coverage increased to $250
While the Atlas Travel plan is designed to be a medical health plan, we understand that your dental care is important and dental emergencies do happen. Newly purchased plans now have an acute onset of a dental pain up to $250.
As always, the Atlas Travel Medical Plan will still provide excellent coverage for anyone outside of their home country in case of a sickness or injury including:
- Medical Expenses/Doctor visits
- Hospitalization
- Prescription Medications
- Emergency Evacuation
- Repatriation
- And more…
If you have any questions about this plan or if would like more information about other plans, please feel free to contact us.
Tags: atlas travel insurance, Travel Insurance, Updates to the Atlas Travel Medical Plan
Posted in Product Information, Study Abroad, Travel Insurance | No Comments »
April 27th, 2012 by blindblom
If you are one of over 250,000 US students considering studying abroad next year, determining where to study abroad will be your first big decision of many.
When choosing where you will study, it is important to know that many universities and colleges have certain destinations where students can study abroad. Before you start planning your trip, check their list of countries and schools you are able to spend your semester or year abroad in, and then go from there.
After you find a university or college that you would like to study at, you will then want to make sure they have your field of study and that your program credits will transfer back to your US school as needed. Studying abroad can be a great experience but it can also mean an extra semester or year of school if credits received overseas are not accepted by your US school when you come back. Confirm your US school’s policy on this and obtain the syllabus for the classes you still need to take. This way, when you choose your classes abroad you can come as close as possible to finding a comparable class, meaning you will have a better chance of having that credit transfer back to your US school.
If you are still unsure about where to study abroad after this process, you might want to consider a few of the locations where a good portion of other students are selecting to study abroad according to the 2011 open doors report.
The United Kingdom: With a plethora for things to do in such a small territory, there is always weekend entertainment for international students. After a short flight, boat ride or Chunnel trip, the UK also provides students with easy access to explore Europe.
Italy: With lasagna, spaghetti and pizza abound, students with a love for food might find studying in Italy compliments their studies well.
France: Those studying art or architecture will have access to first hand examples of a few of the world’s most famous pieces including the Mona Lisa, Sunflowers, Venus de Milo, the Eiffel Tower and Notre Dame.
China: China is a good option if you are looking to be emerged in a culture different from western countries, but that still has western amenities available. This country has plenty of modern cities and traditional villages for students who are looking to explore.
Your decision on where to study abroad will impact your entire experience overseas. Before you decide, think about what you want out of your time abroad and where you will be able to accomplish that list.
Tags: where to study abroad
Posted in Study Abroad | 4 Comments »
April 21st, 2012 by ahoontrakul
Studying abroad is a great experience, but for many vegetarians traveling overseas it can be challenging especially if you don’t speak the language. While some foods may not appear to be made with meat, it can be difficult to tell whether your food was cooked with animal products such as a meat-based broth.
If you are a vegetarian, preparation before your trip is crucial to a successful trip.  The first step is to research your destination country and learn about their food preparation customs. For example, if you are traveling to India you may soon find out that there is a wide variety of vegetarian options since it has the largest population of vegetarians in the world. Check out other countries that are vegetarian friendly. On the other hand, traveling to a country like Argentina is one of the world’s top meat consuming countries. If you’ll be in a similar situation, be prepared to explain to the restaurant staff your dietary restrictions.
Before boarding your flight, make sure you’ve inform the airline of your dietary restrictions as well. Most airlines have special vegetarian and vegan food options as long as you order this in advance of your flight.
Now that the easy part is over, you’ve landed in your destination and don’t know the language. This is where early preparation comes in handy! You should prepare a few essential phases to describe your dietary needs as sometimes the word “vegetarian” doesn’t translate especially if vegetarianism is a small minority. You may also find that having a good dictionary or phase book can also be helpful.
Some people may think that studying abroad as a vegetarian means that eating at a restaurant will be difficult. To make life easier, there are websites like HappyCow.net which lists vegetarian-friendly restaurants around the world along with customer reviews.
And, of course, the best way to be sure you know what you are eating is to make it yourself! If you are studying abroad and have access to a kitchen, it’s time to brush up on your cooking skills. Not sure what a certain food is called? Ask your fellow shoppers – walking around a grocery store is a great way to meet locals and improve your language skills! Studying abroad as a vegetarian doesn’t have to limit your experience, but rather it can be an extension of your international education.
Tags: Studying abroad as a vegetarian
Posted in Health & Safety | No Comments »
April 20th, 2012 by blindblom
Cinco de Mayo is right around the corner. Students who will be traveling to Mexico this year for the festivities on May 5 will want to be aware of what they can look forward to during their trip and ensure that they have sufficient Cinco de Mayo travel medical insurance.
Each year on the fifth of May the state of Puebla and Mexico City provide some of the largest festivities in Mexico in honor of Mexico’s win in the Battle of Puebla against the French. Many people confuse Cinco de Mayo with being the Mexican Independence Day, although it is not, those traveling to Mexico over Cinco de Mayo will still have access to rich Mexican culture as it runs ramped during this celebration.
Military parades and mock re-enactments of the Battle of Puebla are both highlights of this commemoration as those performing have usually logged multiple hours practicing for these events. There is also a plethora of dancing to mariachi bands and traditional Mexican dishes to be discovered. With food abound, the Cinco de Mayo celebration gives foodies something to look forward to. Mole sauce, chiles rellenos, tostados, and tacos are just a few of the goodies to be expected.
If you are taking a short trip to Puebla, Mexico City or any other location in Mexico to join in on the Cinco de Mayo excitement make sure your current health insurance includes Cinco de Mayo Travel Medical Insurance. If your plan does not provide you with the international health coverage you will need while joining in on the fiesta, you will want to purchase Cinco de Mayo travel medical insurance before your journey. You can purchase this coverage for as little as 5 days and have access to your documents right away. Contact one of our agents if you would like more information on purchasing a plan.
Tags: Cinco de Mayo travel medical insurance
Posted in Travel Insurance | No Comments »
April 13th, 2012 by blindblom
Becoming an international student can require a lot of personal adjustment. Depending on the new culture chosen to study in, the adjustments can be great, between new food, dress and everyday mannerism, adjusting to a new country can be difficult for an international student.
One adjustment that important to consider and accommodate to when moving to a new location is the weather. International students will most likely have different weather patterns around them than what was prevalent in their home country, especially if they are moving halfway around the world. Knowing what type of weather to expect in a new location is important to be able to prepare for whatever Mother Nature brings along.
Tornados, hurricanes, floods and earthquakes can all be disastrous and are important to know how to handle. But another natural hazard that is often overlooked is the sun. Individuals who are not familiar with harsh sunlight, yet move to a location where rays are intense will need to know how to protect themselves from irreversible damage that is caused by the sun. Those who are in the sun during midday can get sunburn within minutes, especially those who with fair skin. Here are a few tips for sun protection:
- Wear sunscreen and apply it often. This tip is a common one when it comes to sun protection because it is effective. This will not only help prevent individuals getting a sunburn, but also against premature aging that is caused by UV-A rays.
- UV rays are the strongest from 10am-4pm. Try to limit the time spent in the sun during these hours. If outside activities are required during these times, seek out shady areas when possible.
- Wear clothes that work to your advantage. Find loose-fitting clothes made of light colors and cloth. This will let air in while keeping the sun out. Also, skin is not the only thing that should be protected from the sun. Keep your eyes healthy with sunglasses that provide UV-A and UV-B protection.
Although sun protection might sound minor, overexposure to the sun can produce negative effects such as burns and blister that require hospital visits. International students from regions where the sun is less intense and are traveling to areas with harsh rays should be able to enjoy their fun in the sun. By adopting healthy sun habits, the worst can be avoided.
Tags: International Student Health, sun protection
Posted in Health & Safety | No Comments »
April 7th, 2012 by ahoontrakul
International students coming to study in the US need to prepare many things prior to actually arriving and starting their classes here in the United States. Between getting accepted to study, buying plane tickets, taking care of getting their visa processed and setting up living arrangements, it is not a surprise that some things are forgotten. One of the most common things international students often forget to arrange before coming to the US is their immunizations for studying in the USA.
Most schools have a requirement that their students must have a set of immunizations for studying in the USA done before students are allowed to register for any classes. The most common diseases that colleges and universities require immunization against include Measles, Mumps and Rubella, these are often referred to together as a MMR vaccine. Different schools may have different sets of requirements and may also include Hepatitis A and B vaccines, tuberculosis testing, etc.
These diseases can be severe and life threatening, and should be prevented even if not requested by the school. For example, meningitis, an inflammation of the protective membrane covering the brain and spinal cord can be caused by mumps or other viral/bacterial infections. Different types of forms that will need to be completed will also differs between schools, so it is a good idea to check with the school’s representatives beforehand.
While it is possible for students to get their vaccines in order to meet their requirements for immunizations for studying in the USA after they have already arrived, it is often more cost effective and less of a hassle to have it done beforehand. Many health insurance policies for international students may not cover immunization costs, and the plans that do cover immunization are often much more expensive to purchase, costing more than what it would take to pay off the immunization costs yourself.
Tags: immunizations, Immunizations for studying in the USA, vaccination
Posted in Health & Safety, International Student in the USA | No Comments »
April 6th, 2012 by blindblom
Finding international student health insurance can be a daunting task for many students. Between meeting school requirements and understanding all of the terms, things can get confusing. One term that often raises questions is the benefit period.
Many students assume that the benefit period refers to the entire effective period of a plan. In actuality, the benefit period can be thought of as extra time provided at the termination of the plan for a specific condition that was diagnosed or treated while the plan was still in effect. Each plan will vary with the specific terms and length of time attached to this benefit.
For example, the Student Secure plan has a benefit period of 60 days. If a covered individual is hospitalized as an inpatient for an eligible expense on their termination date, that condition would be covered for the next 60 days.
The benefit period for the Atlas Travel plan is slightly different in that an eligible condition that was diagnosed or treated while the plan was in effect, will be covered for 180 days under the benefit period after the plan is no longer in effect. The 180 days begins the first day of diagnosis or treatment for that eligible condition.
Depending on the type of plan you purchase, this benefit could vary greatly from the examples provided above. It is important to research the benefits of your prospective plan before you commit to your purchase.
Despite the difference in the benefit period between the Atlas Travel plan and the Student Secure plan, both of them work well for individuals looking for international student health insurance.
If you would like more information on the Student Secure plan or Atlas Travel plan feel free to contact one of our licensed agents today. They can assist you with any questions you might have, including those regarding the benefit period.
Tags: Benefit Period
Posted in Insurance Explained, Product Information | No Comments »
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