Florida Travel Health Insurance

Travel Insurance / Trip Protection

Also known as Trip Cancellation Insurance - Trip Protection plans typically reimburse you for pre-paid non-refundable travel expenses if an unexpected crises (e.g., death, sickness, airline strike, travel company bankruptcy, among other crises) occurs before or during your trip causing it to be cancelled, interrupted or delayed. Plans often provide reimbursement for:

• Trip Cancellation, Interruption & Delay
• Baggage Loss and Delay
• Emergency Medical Expenses
• Emergency Medical Evacuation
• Accidental Death and Dismemberment (AD&D)
• Repatriation of Bodily Remains
• 24-Hour Travel Assistance Services
• Although the maximum benefit limits for medical expenses are generally not as high as in Travel Medical Insurance, many companies have recently increased these benefits and there is usually no deductible or co-pay.

Rental car insurance, also known as collision damage waiver (CDW), may be included, or purchased as an upgrade, or purchased separately as a stand-alone plan.

Travel Health Insurance

Also known as International Medical Insurance - International Medical Insurance provides coverage for emergency medical expenses incurred when you are traveling, living, or temporarily living in a foreign country.

Maximum coverage levels can be substantial enough (up to US$2 million) to cover major medical expenses such as emergency surgery and extended hospital stays.

Plans include coverage for emergency medical evacuation, reunion, repatriation of remains, accidental death and dismemberment (AD&D), and various other 24/7 travel assistance services.

Visitors to the USA

The USA offers some of the best medical care in the world. However, it is very expensive. Purchasing a visitors medical insurance policy is a very important part of planning your trip to the USA.

Visitors medical insurance is short term medical insurance that provides coverage for unforeseen illnesses or injuries that may occur during your visit to the USA. In general coverage is provided for eligible medical expenses, doctor's office visits, hospital charges, surgery fees, prescription drugs, x-rays, lab work, and other related medical expenses.

We recommend you purchase Visitors medical insurance from your home prior to departure to the USA. However, you may also purchase Visitors medical insurance if you or your relatives have already arrived in the USA.

Long Term Global Insurance

Our Global and Expatriate Benefit plans provide essential insurance benefits for all nationalities working and living anywhere in the world.

The following types of insurance are available for individuals, families, contractors, and employer groups worldwide: Global Health and Medical Insurance, International Life Insurance, International Accidental Death & Dismemberment, and International Disability/Income Protection. Coverage for War and Terrorism is available upon request.

Flight Accident Insurance

Also known as Travel Accident Insurance - Flight Accident and/or Common Carrier Accident Insurance pays you, or your beneficiary (or your estate if you do not name a beneficiary) a lump sum benefit (e.g., $500,000) when an accident results in your death or the loss of a limb or the loss of your eyesight. There are 2 major types of Travel Accident insurance:

Flight Accident AD&D insurance pays a benefit only for accidents involving an airplane during the coverage period.

Common Carrier AD&D insurance pays a benefit only for accidents involving a common carrier during the coverage period.

"Common Carrier" means any licensed land, water, or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire (e.g., airplane, train, bus, subway, tram, ferry, cruise ship, taxi, limo, etc.).

Flight Accident and Common Carrier insurance does include coverage in the case of a Terrorist, event.

Emergency Evacuation

Not all medical facilities were created equal. Depending on the plan, Emergency Medical Evacuation insurance covers the cost of transporting a seriously injured or ill person to one of the following locations:

• The nearest adequate medical facility
• A hospital near home
• Or the hospital of his/her choice
• Emergency Medical Evacuation insurance is usually included with both Travel Medical insurance plans and Trip Protection plans. However, unlike baggage insurance and trip cancellation insurance, it is also sold separately. Sufficient Emergency Medical Evacuation coverage is recommended, especially for long-distance trips abroad.

Annual Multi-Trip

Also known as Multi-Trip Travel Insurance - Annual Multi-Trip plans cover all trips throughout the year, subject to a maximum length of 15 - 180 days per-trip, depending on the plan.

Most plans include Travel Medical insurance which reimburses you for emergency medical expenses incurred when you are traveling far from home. 24/7 emergency assistance, emergency medical evacuation, accidental death insurance, and other benefits are often included as well. Trip protection benefits are very limited. If you are looking for a plan that includes trip cancellation, interruption, and travel delay benefits then the single trip travel protection plans will be your best bet.

Schengen Visa Insurance

Many foreign embassies require that you obtain medical insurance to secure your visa.

If you are traveling to any of the 24 countries listed below for either tourism or business, you may need to show proof of adequate medical insurance coverage at the time of visa application, before the visa can be granted.

Not all countries of the European Union are part of the Schengen area.

Schengen Countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, and Sweden. Additionally, Schengen coverage is provided for Switzerland and Liechtenstein.

Acceptable medical insurance for Schengen Visa must meet the following criteria. Medical coverage of at least $37,500 and the company that is offering the insurance must have a representative office in Europe.

Upon completion of your online purchase you will receive an email confirmation that contains your "Certificate of Coverage". You can print that out and take it with you to the consulate at the time of Visa application.

Student Travel Insurance

Online health and travel insurance programs tailored to fit the unique needs of the study abroad and international student at the most affordable rates. These plans provide students with high quality coverage for everyday needs, along with coverage for the unexpected! Generally if you are a student and planning to study abroad for a year or more, the Patriot International (US Citizens) or the Patriot America (Non-US Citizens) will be your best option.

If you looking for an inexpensive trip cancellation plan for a short trip or for Spring Break, the Student Travel Protection plan from Insuractive is advised. For longer term coverage or for students with families we recommend the Global Medical Insurance plans found under our Long Term Global Benefits category as these plans provide annually renewable major medical insurance.

• Humana Health Insurance
• Assurant Health Insurance
• Avalon Health Insurance
• World Health Insurance
• Health Savings Accounts (HSA)
• Short Term/Temporary Insurance
• Guaranteed Issue Health Insurance
• Specific Condition Insurance
• Student Insurance
• Travel Insurance
• Group Health Insurance