#VisitorsCoverage

[osha-ahmed]

🌍✈️ Travel Confidently with VisitorsCoverage – Trusted by Millions Worldwide! ✈️🌍

Whether you're traveling for business, vacation, or family visits — safety and peace of mind matter most. That’s why VisitorsCoverage, a Silicon Valley-based insurtech leader, is the #1 choice for travel insurance in over 175 countries! 💼🌎 🛡 Why Travelers Trust VisitorsCoverage: ✅ Largest provider of visitors insurance for inbound U.S. travel ✅ Travel medical and trip protection plans for ALL global destinations ✅ Compare, quote, and buy in less than 5 minutes ✅ Patented technology + world’s top insurance providers ✅ Exceptional customer support 💡 Whether you're heading to the USA, Costa Rica, or Turks & Caicos, choose from top-rated plans like: 🔹 CoverAmerica-Gold 🔹 Patriot America Plus 🔹 ChoiceAmerica 🧳 Families, solo travelers, digital nomads — this is for you. Protect your trip against medical emergencies, natural disasters, lost baggage, and more! 👇 Click here to get the best travel insurance for your journey: 🔗 🌟 Travel smart. Travel insured. With VisitorsCoverage.

[remotetrove]

Web developer (Mid - Senior Level) at VisitorsCoverage Inc.

Description Come join VisitorsCoverage, one of Silicon Valley’s most successful InsurTech companies, certified as a Great Place to Work®! We are looking for a full-time Mid to Senior level Web Developer to join our Engineering team. What We Do: VisitorsCoverage is an Insurtech company, located in the heart of Silicon Valley, revolutionizing the way travelers search, compare, purchase, and manage…

[vincentblackbearmediallc]

Travel can be stressful enough without having to worry about unexpected disasters. And let’s face it: travel is just a list of unexpected disasters waiting to happen!What if you need to cancel a trip at the last minute? Will your health insurance work if you end up needing medical attention while traveling abroad? What happens if someone backs into your rental car?From lost luggage to medical expenses, there are plenty of situations that can lead to your journey not going quite as smoothly as planned. Fortunately, these are the situations that products like travel insurance and visitors insurance were designed to address.

[russian-dallas]

Страховка путешественника в посткоронавирусное время

Страховка путешественника покрывает не все. Если, читатель, вы не знали этого до пандемии, то, наве��ное, сейчас это уже известно. Также страховка не покрывает страх заразиться COVID-19 или любыми другими заболеваниями, новую волну коронавируса и закрытие той или иной страны с этим связанным. Страховщики отказывают в исках, если вы проигнорировали предупреждения госорганов не путешествовать в тот…

[kritikapatil]

Family Travel Insurance Market Is Likely to Experience a Tremendous Growth in Near Future

Advance Market Analytics released a new market study on Global Family Travel Insurance Market Research report which presents a complete assessment of the Market and contains a future trend, current growth factors, attentive opinions, facts, and industry validated market data. The research study provides estimates for Global Family Travel Insurance Forecast till 2027*.

Family travel insurance accounts for a family trip, it helps to be prepared for any unforeseen situations that might occur while traveling. A family travel insurance plan helps to get travel insurance coverage in case of any unfortunate events such as flight cancellations, baggage loss, medical exigence, and others. It helps users to have a worry-free and memorable trip. Its Benefits includes financial aid for any medical expenses, evacuation or hospitalization while you are away from home, and many others.

Key Players included in the Research Coverage of Family Travel Insurance Market are

Allianz (Germany)

AIG (United States)

Munich RE (Germany)

Generali (Italy)

Tokio Marine (Japan)

Sompo (Japan)

CSA Travel Protection

AXA (France)

VisitorsCoverage Inc. (United States)

Policybazaar (India)

What's Trending in Market: Continuous Development in Technology

Challenges: Less Awareness Towards Group Travel Insurance Policies, Lack of Consumer Experiences in Terms of Its Coverages, Premium Rates

Opportunities: Increase in Natural Hazard Risks

Development in the Travel Industry

Development in Digital Insurance

Market Growth Drivers: The rise in tourism led to various occurrences such as trip cancellations, loss of luggage, and many others. To ease these risks, consumers are moving for travel insurance, this drives group travel insurance.

The Global Family Travel Insurance Market segments and Market Data Break Down by Type (Single Trip Coverage, Annual Multi-Trip Coverage, Other), Application (Domestic Tourism, Oversea Tourism), Sales Channels (Insurance Intermediaries, Insurance Companies, Banks, Insurance Brokers, Insurance Aggregators), Demographics (Minors, Adults, Senior Citizens) To comprehend Global Family Travel Insurance market dynamics in the world mainly, the worldwide Family Travel Insurance market is analyzed across major global regions. AMA also provides customized specific regional and country-level reports for the following areas. • North America: United States, Canada, and Mexico. • South & Central America: Argentina, Chile, Colombia and Brazil. • Middle East & Africa: Saudi Arabia, United Arab Emirates, Israel, Turkey, Egypt and South Africa. • Europe: United Kingdom, France, Italy, Germany, Spain, Belgium, Netherlands and Russia. • Asia-Pacific: India, China, Japan, South Korea, Indonesia, Malaysia, Singapore, and Australia. Presented By

AMA Research & Media LLP

[zaras2424]

InsurTech Market Projection, Growth Analysis and Industry Forecast Report

A comprehensive statistical scope of InsurTech Market has been published by Absolute Markets Insights. With the help of primary and secondary exploratory techniques, the report provides an in-depth analysis of InsurTech sector. The emerging advanced technologies such as machine learning, deep learning and others are expected to affect entire landscape of insurance sector, thus, creating lucrative growth opportunities for InsurTech companies. Insurance carriers are striving to create a digital environment through innovation in traditional offerings to retain customers, improve efficiency and reduce costs. Self-service platforms are at the core of this transformation which enable insurers to divert workforce from cumbersome repetitive tasks to other operations and delivers fast services to customers. InsurTech companies are using advanced technologies, including artificial intelligence to further enhance the capabilities of these self-service platforms and other solutions in their product portfolio for applications such as underwriting, customer service, claims management, marketing and fraud detection. The success of artificial intelligence technologies in insurance sector has been facilitated owing to the massive amounts of data generated, which has enabled the artificial intelligence algorithms to learn from these huge datasets and increase their maturity for any possible scenario. This has encouraged multiple InsurTech providers to incorporate these technologies in their offerings. For instance, Analyze Re of Verisk Analytics, a Software as a Service (SaaS) platform, provides real-time reinsurance analytics using machine learning to improve the pricing and portfolio management of reinsurance contracts. Zurich Insurance introduced artificial intelligence powered personal injury claims handling tool in 2017. Similarly, Aviva Life Insurance, VisitorsCoverage Inc. and other companies are using artificial intelligence based chatbots for marketing and customer experience applications. The InsurTech solution vendors are also developing differentiated solutions to cater to these changing requirements. As an instance, Cognizant launched an artificial intelligence platform in September 2019, which provides the insurance vendors the ability to process large numbers of property insurance claims occurring in natural disasters or other catastrophic events. Thus, the increasing number of artificial intelligence-based solutions and their subsequent adoption by insurance providers is propelling the growth of global InsurTech market.

Access the Full Report @ https://www.absolutemarketsinsights.com/reports/Global-InsurTech-Market-2019-2027-609

The recent outbreak of COVID-19 pandemic has positively impacted InsurTech market across the globe. The crisis situation has encouraged insurance companies to adopt digitization strategies to ensure that high quality of services are delivered to customers owing to the significant strain on sales and service processes in insurance industry. In June 2020, AIA Group Limited announced the ramping up of their adoption of digitization and robotic process automation technologies in their effort to respond to the coronavirus crisis with innovation and agility and cater the new age tech-savvy customers. Thus, the digitization strategies of insurance providers to cope with coronavirus crisis are anticipated to boost the growth of global InsurTech market over the period of next eight years. In terms of revenue, global InsurTech market was valued at US$ 659.85 Mn in 2018 and is anticipated to grow at a CAGR of 17.2% over the forecast period. The study analyses the market in terms of revenue across all the major regions, which have been bifurcated into countries.

The detailed research study provides qualitative and quantitative analysis of InsurTech market. The market has been analyzed from demand as well as supply side. The demand side analysis covers market revenue across regions and further across all the major countries. The supply side analysis covers the major market players and their regional and global presence and strategies. The geographical analysis done emphasizes on each of the major countries across North America, Europe, Asia Pacific, Middle East & Africa and Latin America.

Key Findings of the Report:

The global InsurTech market was valued at US$ 659.85 Mn in 2018 and is anticipated to witness a compound annual growth rate of 17.2% over the forecast period owing to the emergence of connected insurance and other innovative business models.

Based on component, cloud based software are witnessing high preference from the insurance providers owing to the faster launch new products and savings of cost incurred in infrastructure development.

Large enterprises dominate the global InsurTech market owing to their high expenditure power on innovative offerings.

North America held the highest market share in global InsurTech market in 2018. Asia Pacific is expected to register the highest compound annual growth rate (CAGR) over the period of next eight years. Increased investments by the market participants along with the strategic initiatives being undertaken in the region are estimated to fuel the market growth.

Some of the players operating in the InsurTech market are Accenture, Capgemini, Cognizant, DXC Technology Company, IBM Corporation, Infosys Limited, Insurity, Inc., Microsoft, Mindtree Ltd, Oracle, Quantemplate, SAP SE, SAS Institute Inc., Shift Technology, Slice Insurance Technologies Inc., Tata Consultancy Services Limited, Trōv, Inc. and Verisk Analytics amongst others.

Global InsurTech Market:

By Component

Software

Cloud Based

On Premise

Services

By Application

Claim Management

Fraud Detection

Underwriting

Marketing and Customer Experience

Others

By Insurance Type

Individual Insurance

Business Insurance

Reinsurance

By Organization Size

Small and Medium Sized Enterprises

Large Enterprises

By End Users

Insurance Companies

Agents and Brokers

Aggregators

By Region

North America

Europe

Asia Pacific

Middle East & Africa

Latin America

Contact Us: Company: Absolute Markets Insights Email id: sales@absolutemarketsinsights.com Phone: +91-740-024-2424 Contact Name: Shreyas Tanna Website: https://www.absolutemarketsinsights.com

[freemindtech]

VisitorsCoverage Advises Travelers as International Border Re-openings Strain Travel Industry

VisitorsCoverage Advises Travelers as International Border Re-openings Strain Travel Industry

It would be unrealistic to assume that international travel will return to normal immediately after a year and a half of closed borders. SANTA CLARA, Calif. (PRWEB) November 04, 2021 VisitorsCoverage, a global travel insurance marketplace, advised travelers that beginning in November, they should expect overbookings, flight cancelations and delays, long lines at the airport, and more due to the…

[insurancelifedream]

Ten Things To Know About Visitors Insurance | visitors insurance

Visitor's insurance is right for members of the general public of any country taking trips abroad, or even for family members coming to visit people staying in the U.S., or any other country for that matter. While a standard health insurance can provide you basic medical coverage, visitors insurance coverage will make sure you have coverage when your trip turns bad. This can save you from a world of financial troubles if something happens to you while you are abroad. Even if you only have minor injuries, you want to make sure you have the coverage you need so you can get the help you need.

There are two main types of visitors insurance policies. One provides coverage for medical emergencies that occur while you are abroad. The second will cover your loss of personal belongings and money as a result of theft or loss. These are just some of the ways your health insurance can help you if something happens while you are traveling abroad. However, there are also travel policies that have additional benefits you might not be aware of that you could be missing out on while traveling abroad.

One of the most important reasons for having a visitor's insurance plan is to have medical treatment when you are in need. Your health is your top priority and you want to make sure that when you go abroad that you will have the medical treatment and assistance you need. It is not uncommon for people to get sick and injured while traveling abroad. You do not know what you are going to face when you are in a foreign country and it is best to be prepared.

Many people travel to the United States each year and this is good for business because this country has a high demand for medical care. In fact, according to estimates, more than three million Americans travel out of state to visit their favorite doctor. This is a very important factor for insurance companies when it comes to offering coverage for medical care. If you have medical care abroad and need to be hospitalized, then you should have the coverage you need. It is possible to obtain special insurance coverage that will cover the cost of all your medical care in a foreign hospital.

Other reasons why having travel medical plans is a smart idea includes the financial aspect. When you have insurance coverage, the costs of medical care when you become ill or injured overseas are covered. This can mean the difference between being able to receive treatment in the United States or having to wait until you get home to do so. Another great benefit to having health insurance while traveling abroad is the protection from loss of funds while you are away. Insurance can help defray the cost of any lost possessions or money that would normally be paid out of pocket by you or your family members.

One of the things that many travelers to the United States do not think about when they are planning their trip is their health. Health insurance is one of those must have items that everyone should have. Without health coverage you could find yourself facing financial ruin when you become ill or injured. Do not take chances when it comes to your health. If you are traveling to the United States, make sure that you have the travel medical plans that are necessary in order to avoid being unprepared for anything that might happen.

VisitorsCoverage Insurance for USA visitors, Int’l Travel medical – visitors insurance | visitors insurance

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Visitors Insurance Reviews: Answers to All Your Visitors Insurance Questions – visitors insurance | visitors insurance

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via WordPress https://insurancelifedream.com/ten-things-to-know-about-visitors-insurance-visitors-insurance/

[nathanielburgos]

Social Security and Medicare Benefits for Immigrants

Social Security and Medicare are two of the federally provided benefits that American workers look forward to as they retire. Workers and their employers generally fund these programs throughout a career. Immigrants who have worked in the United States through lawful employment will generally qualify for these same benefits. Thus, Social Security and Medicare benefits for immigrants are available, provided they meet eligibility requirements.

Although the two programs are somewhat related, they are for different purposes. Social Security primarily provides retirement income, and the Medicare program is a health insurance option for older residents. Many U.S. citizens, permanent residents and even certain nonimmigrant workers use these benefits.

Social Security Benefits Explained

Through the Social Security Administration, the U.S. government provides payments to certain retirees and disabled people, and to their spouses, children, and survivors. Congress designed the Social Security benefits program to provide partial replacement income for older workers and their spouses, those whose spouse or qualifying ex-spouse has died, and the disabled. Under specified conditions it also supports children of beneficiaries.

Generally, individuals qualify for Social Security benefits by paying into the program during their working years. It typically takes 10 years (40 quarters or “credits” from covered wages) to achieve full insurance. For this reason, most individuals who immigrant to the United States at an older age do not qualify for Social Security benefits.

Totalization Agreements

The U.S. has Social Security agreements with several countries. A totalization agreement is an arrangement between two countries that ensures workers don’t pay Social Security taxes on the same earnings, in two different countries. It also prevents individuals from double-dipping when they claim benefits. Legal immigrants who haven’t earned enough work credits in the U.S. might still qualify for Social Security benefits if they’ve earned enough credits from another country.

Most immigrants who come to the United States after reaching retirement age have not accumulated the requisite 40 U.S. work credits to qualify for Social Security. However, those able to legally work in the U.S. for a year and a half after arriving, may qualify to receive prorated U.S. Social Security benefits, under a totalization agreement with their countries of origin.

The U.S. has a totalization agreement with the following countries:

Australia

Austria

Belgium

Canada

Chile

Czech Republic

Denmark

Finland

France

Germany

Greece

Hungary

Ireland

Italy

Japan

Luxembourg

The Netherlands

Norway

Poland

Portugal

Slovak Republic

South Korea

Spain

Sweden

Switzerland

The United Kingdom

Collecting Social Security Abroad

Immigrants who have earned the requisite 40 work credits in the United States qualify for Social Security benefits, even if they choose to return to their home country. An immigrant may collect U.S. Social Security in another country provided they have earned the benefit.

The Social Security system has a variety of complex rules and requirements. Many non-citizens who worked in the United States are eligible to receive Social Security benefits. If you’ve earned it, it should be a part of your retirement plan. CitizenPath partner MYRA Wealth specializes in financial, investment and tax planning for international and multicultural families in the United States. If you are a U.S. immigrant with complex tax or financial needs, schedule a free consultation.

Medicare Benefits Explained

Medicare is the United States’ national health insurance program for people age 65 or older. Medicare benefits help cover the costs of health care, but it doesn’t necessarily cover the cost of all expenses. There are different parts (Part A, Part B, Part D) that cover various expenses. Beneficiaries who have Medicare Part A and Part B coverage, can buy a Medicare Supplement Insurance (Medigap) policy from a private insurance company. Medigap covers some of the costs that Medicare does not, such as copayments, coinsurance, and deductibles. People younger than age 65 with certain disabilities may also qualify for Medicare benefits.

Medicare benefits have different categories called “parts”:

Part A (hospital insurance) helps pay for inpatient care in a hospital or limited time at a skilled nursing facility (following a hospital stay). It also covers some home health care and hospice care.

Part B (medical insurance) helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.

Part D (Medicare prescription drug coverage) helps cover the cost of prescription drugs. It is only run by private insurance companies that follow rules set by Medicare.

Part C, now known as a Medicare Advantage Plan, includes all benefits and services covered under Parts A and B. Everything is bundled together in one plan and offered by private insurance companies. 

Eligibility for Medicare Benefits for Immigrants

People age 65 or older, who are U.S. citizens or permanent residents of the United States, may be eligible for Medicare Part A. Most people are eligible for Part A at no cost at age 65 through one of the following qualifying events:

You receive or are eligible to receive benefits from Social Security.

Your spouse (living or deceased, including divorced spouses) receives or is eligible to receive Social Security.

You or your spouse worked long enough in a government job through which you paid Medicare taxes.

You are the dependent parent of a fully insured deceased child.

Purchasing Medicare

If you do not meet one of the above requirements, you may be able to get Medicare Part A by paying a monthly premium. Usually, you can purchase this coverage only during designated enrollment periods. For permanent residents (age 65 year or older) who do not meet the above requirements for “free” Medicare, they may be able to purchase coverage through one of the following criteria:

You have recently become a U.S. citizen through naturalization; or

You are a lawful permanent resident and have constantly lived in the United States for 5 years or longer.

Therefore, new immigrants generally are not eligible for Medicare benefits. If you are a green card holder, you’ll need to wait five years to purchase Medicare, and you’ll likely need to work 10 years to earn Medicare at no cost.

If it isn’t possible to get coverage from an employer or family member’s employer immediately, get a quote for plans from another insurance provider like VisitorsCoverage.

Even for individuals with a good household income, surprise medical expenses can be extremely costly. Health insurance demonstrates that you’ll be able to handle these costs if necessary. VisitorsCoverage offers are variety of short-term plans to help you meet these requirements.

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Social Security and Medicare benefits for immigrants are available, but not everyone is automatically eligible. Beneficiaries must generally work several years, obtain coverage through another family member, or purchase coverage in some cases.

Disclosure: CitizenPath partners with certain vendors who serve the immigrant community to bring you information about their services. MYRA Wealth and VisitorsCoverage are valued partners, but this is not a sponsored post.

About CitizenPath

CitizenPath provides simple, affordable, step-by-step guidance through USCIS immigration applications. Individuals, attorneys and non-profits use the service on desktop or mobile device to prepare immigration forms accurately, avoiding costly delays. CitizenPath allows users to try the service for free and provides a 100% money-back guarantee that USCIS will approve the application or petition. We provide support for the Affidavit of Support (Form I-864), Declaration of Self-Sufficiency (Form I-944), Adjustment of Status Application (I-485), and several other immigration packages.

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[globaltravelersmall]

[custsup-blog]

שירות לקוחות ויזיטורס קברג’ – VisitorsCoverage

[tamboradventure]

The Best Cruise Travel Insurance

Posted: 12/28/2019 | December 28th, 2019

Travel insurance is one of the most important things you can get for your trip.

As I’ve come to learn — and as any traveler will tell you — things don’t always go as planned. You just never know what will happen.

Sure, nine times out of ten you’ll be completely fine. But every now and then you’ll stumble into an unfortunate situation.

Maybe it’s just a missed flight or a delayed connection. Maybe your wallet disappears while riding a crowded bus. Maybe, like me, you burst an eardrum while scuba diving.

Bad things, unfortunately, do happen when you travel.

And they can get really expensive if you’re injured or fall sick abroad and are not insured.

But what about if you’re taking a cruise — how does travel insurance work then?

Well, of course, you still need travel insurance if you’re on a cruise, but there are some extra things you’ll want to be aware of.

7 Things to Look for in a Cruise Travel Insurance Policy

1. Make sure that whichever travel insurance policy you choose, you double-check that it’s valid for any emergency and problem that might arise on a cruise specifically. Often, cruise coverage is an extra charge on top of your regular travel insurance.

2. Even if you’re cruising close to home, you may still run into unforeseen issues. For example, in the United States, medical insurance stops covering you when your ship is more than six hours away from a US port; in Australia, it stops as soon as your ship leaves port. For that reason, you’ll want to get a policy that covers you even if you’re in/around your home country.

3. Be aware that the treatment for less serious medical conditions — the kinds that don’t require you to leave the trip — are more expensive on a cruise ship than on land. Make sure your policy has a sufficient amount of medical coverage of at least $100,000 USD.

4. Remember, if you fall seriously ill when you’re at sea and you need to be evacuated to a hospital, it’s more expensive than if you’re already on land somewhere near a hospital. Evacuation by helicopter can be in the tens of thousands of dollars. Make sure your policy has sufficient evacuation coverage.

If it doesn’t, consider getting Medjet. They are the premier membership program that provides robust evacuation coverage.

5. Be sure to have cancellation, delay, or trip interruption coverage too. For example, if you have a flight delay that means you’ll miss the start of the cruise, it’s a lot more difficult to deal with than just arriving late for a land-based trip. Hurricanes or other severe weather events also affect cruises significantly, and you’ll want your insurance policy to take that into account.

6. Take a look at the shore activities you might participate in during the cruise and check if any need to be mentioned to your insurer, like certain adventure activities or water sports.

7. Unlike other kinds of travel, you might be more likely to take valuable jewelry and expensive clothing on a cruise, for some of the fancy dinners and events cruise ships hold. Often a regular travel insurance policy will only cover these items up to a certain value, so check that your belongings are covered against possible loss or theft.

What is the Best Cruise Travel Insurance?

With so much to consider, it can be hard to decide which cruise travel insurance to choose.

Be aware that while many cruise companies offer their own insurance, the conditions are often stricter, and you might find it hard to make a claim. For example, they often will only reimburse up to 75% of your expenses, tend to have only a short list of reasons you are able to cancel for, and rarely cover pre-existing medical conditions. You’re always better off using a third-party insurer.

Whichever policy you decide on, it’s vital that you read the policy details carefully so you know exactly what you are covered for.

The insurers below are some I recommend that have specific cruise insurance policies and offer a decent amount of coverage for a lot of potential mishaps.

Travel Guard Travel Guard has specific cruise insurance policies, which makes it simpler than trying to find an add-on. If you’re getting a quote online, they’ll ask you to specify if you’re taking a plane, a cruise, or both. They cover any emergency travel assistance, trip interruption, delay, or cancellation.

Medical expenses and emergency evacuation are covered, but the maximum amount varies between the essential, preferred, and deluxe plans: the essential plan includes a $150,000 limit on emergency evacuation, which might not be quite enough from some parts of the world, but you can get up to a million dollars of coverage on the deluxe plan.

VisitorsCoverage/IMG In early 2019, VisitorsCoverage and IMG partnered to launch a new insurance product specifically for cruise travelers, called SafeCruise. The SafeCruise plan includes all the extra protection you need as a cruise traveler and even has an upgrade option to include coverage of up to 75% of prepaid, nonrefundable costs if you cancel for any reason at all.

The emergency evacuation or medical repatriation coverage has a high limit of $1,000,000. Additionally, as long as you purchase insurance by the time you make your final trip payment, there’s a waiver for most pre-existing conditions, too.

Insure My Trip Insure My Trip is an unbiased aggregator site that will look at many different insurance policies to find the one that best fits your needs.

For example, if your cruise is during hurricane season to an area that might be affected, its search algorithm takes that into account and recommends travel insurance policies with good coverage for weather problems.

***

Don’t go on a cruise without proper travel insurance. However, you need to be aware that for a cruise, you have to pay a bit more attention than usual to the conditions of the policy. Make sure that any policy you choose covers you sufficiently for medical evacuation, medical treatment onboard, and other mishaps like missed connections, stolen luggage, delays, and cancellations.

If you can’t afford to add cruise travel insurance on to the costs of your trip, you probably can’t afford to travel. It’s just not worth the risk of coming home with a bill in the tens of thousands of dollars or more if something unexpected goes wrong.

In my experience, it’s always better to be safe than sorry. The peace of mind is worth the extra cost.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned.

Book Your Accommodation You can book your hostel with Hostelworld as they have the largest inventory. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels. I use them all the time.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

World Nomads (for everyone below 70)

Insure My Trip (for those over 70)

Looking for the best companies to save money with? Check out my resource page for the best companies to use when you travel! I list all the ones I use to save money when I travel – and that will save you time and money too!

The post The Best Cruise Travel Insurance appeared first on Nomadic Matt's Travel Site.

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[thepeoplesinc]

As the capital of southern Spain’s Andalusia region, Seville is famous for its flamenco dancing and its many landmarks, such as the 18th-century Plaza de Toros de la Maestranza bullring.⁣ When we talk about travelling, it's always good to play it safe. You can check out www.pincstyle.com/visitorscoverage to gain coverage, or directly go to http://bit.ly/visitorscoverage1902. #pinc #pincstyle #travel #wander #insurance#travelinsurance #santacruz #seville #spain #nature#explorer #explore #insurance #safetravels #plans#travelplans #Traveling #Travelers #Traveler #Exploring#Explorer #Wanderer #Wanderlust #TravelBug#FamilyTravels #spain #bullfighting #toros#VisitorsCoverage⁣

[sereious]

UX/UI Designer

Location : Santa Clara, CA, USA, Santa Clara Company: VisitorsCoverage Description:  illustrator, omnigraffle, or other visual design and wire-framing tools · Ability to present creative solutions and designs · Ability to solve problems creatively and effectively with minimal  Apply Now ➣ UX/UI Designer is published on 2017-05-02T14:51:36-04:00 and last modified: 2017-05-02T14:51:36-04:00 by Shiån Serei

Read more about UX/UI Designer at The Kingdom of Meridian - Romance Novels by Shian Serei

from Publishing-Jobs – The Kingdom of Meridian http://ift.tt/2qvenic

[fullspectrum-cbd-oil]

Trump Rule on Health Insurance Leaves Immigrants, Companies Scrambling for Answers

Nearly a decade after receiving U.S. citizenship, Guatemalan-born Mayra Lopez thought she had cleared all the hurdles for her parents to join her in the United States.

Then on Oct. 4 U.S. President Donald Trump changed the rules she and others had been complying with: Trump signed a proclamation requiring all prospective immigrants to prove they will have U.S. health insurance within 30 days of their arrival or enough money to pay for “reasonably foreseeable medical costs.”

The new requirement, part of Republican Trump’s hard-line policies on immigration, goes into effect on Nov. 3 and prospective immigrants are scrambling to figure out how to get the necessary coverage, navigating a complex healthcare bureaucracy that has, for the most part, not previously catered to those who are not yet in the country.

The administration gave scant detail about how the new requirements would be implemented beyond a bullet-point list of the types of insurance plans that would be accepted.

A State Department notice on Oct. 29 said consular officers will verbally ask immigrant visa applicants to identify a specific health insurance plan, the date coverage will begin, and “other information related to the insurance plan as the consular officer deems necessary,” but gave the public only two days to comment on that plan instead of the usual several months.

Lopez, 40, who works as a family assistant in California, and many others are finding few options exist for them.

Lopez received a letter for her parents’ appointment to be interviewed on Nov. 25 at the U.S. embassy in Guatemala. Near the top it read: “inability to meet this requirement will result in the denial of the visa application,” according to the letter seen by Reuters.

She immediately called her own insurer, Kaiser Permanente, but she said she was told her parents, both in their 60s with no serious health problems, would not be eligible because they did not have U.S. social security numbers and even if they did, it would cost more than $1,600 a month to cover both of them, according to interviews with Lopez and her attorney.

Lopez then called five other insurers and began to panic when they all told her variations on the same thing, she said.

Tony Barrueta, a Senior Vice President at Kaiser Permanente, said in a statement that a social security number is not required to apply for Kaiser Permanente coverage, but the company may request that information.

Barrueta said the company acknowledges the complexity of the proclamation and other recent actions “and the confusion they may have created for many immigrants and their families.” He said they were continuing to educate their front-line staff on how to address questions.

California’s health insurance marketplace, Covered California, said “consumers must be lawfully present in order to apply for coverage.”

Many prospective immigrants seeking to enter the country legally, including those who do not have lawyers, may not be aware of the new requirements and could end up being denied, immigration advocates said.

When asked about the concerns, a State Department official repeated the guidelines in the proclamation, which are posted on the department’s website.

The White House did not respond to a request for comment.

COVERAGE GAPS

Long term-plans on the state insurance marketplaces are not available to immigrants before they are in the country lawfully, according to the eligibility requirements outlined in the Affordable Care Act (ACA), Democratic President Barack Obama’s signature health care legislation.

The proclamation does not accept subsidized health plans, meaning immigrant applicants would be barred from using income-based subsidies for the purchase of individual coverage, a main tenet of the ACA.

Short-term insurance plans are banned in four states and 20 others limit their duration to less than 364 days, the amount of time required by the proclamation, according to the Commonwealth Fund, a nonprofit research group.

Even where they are available, short-term plans often have large gaps in coverage and can have exclusions for pre-existing conditions, said Pennsylvania Insurance Commissioner Jessica Altman.

Trump has tested the boundaries of established policy, aiming to fulfill his 2016 campaign pledge to curb both legal and illegal immigration, including a yet to be constructed wall along the U.S.-Mexico border. Immigration rights lawyers and civil liberties groups have challenged his policies in court, sometimes with success.

“This order overrides about 100 years of law that has always promoted the ability to live with your immediate family members and targets people in a way that Congress didn’t intend,” said Jesse Bless from the American Immigration Lawyers Association.

“Congress has made rules that has allowed people to come in based on self sufficiency not wealth or health.”

On Wednesday, seven U.S. citizens petitioning for their family members and immigrant advocacy groups filed a lawsuit in Oregon seeking to halt the proclamation.

The proclamation appears squarely focused at limiting family-based migration, which the President has repeatedly derided as “chain migration,” said Xiao Wang, co-founder of the immigration firm Boundless.

The administration issued a rule earlier this year that would limit legal immigration by expanding who could be found to be a “public charge” and barred from residency. The measure has been temporarily halted by federal courts.

FAMILY REUNIFICATION DELAYS

Some immigration lawyers are telling their clients to consider rescheduling their visa interviews until there is more clarity about how the new health insurance rules would be implemented – potentially delaying family reunification.

Some other wealthy countries, such as Germany, require people applying for visas and residency to provide proof of health insurance. But those countries do not have the same healthcare costs and insurance system as the United States.

The Trump proclamation said it aims to stop healthcare providers and taxpayers from bearing “substantial costs in paying for medical expenses incurred by people who lack health insurance or the ability to pay for their healthcare.” It cited data that “lawful immigrants are about three times more likely than United States citizens to lack health insurance.”

Healthcare policy experts say immigrants use the U.S. system less often than Americans. According to an analysis by Leighton Ku, Director of the Center for Health Policy Research at George Washington University, recent immigrants without insurance accounted for less than one-tenth of 1% of U.S. medical expenditures in 2017.

Sometimes having short-term plans that provide only limited coverage can be as costly to the healthcare system as not having insurance at all, Pennsylvania’s Altman said.

The Trump administration has expanded short-term health plans and made them renewable, which experts say undermines the ACA.

Rajeev Shrivastava, the chief executive of VisitorsCoverage, which sells travel insurance policies to U.S. visitors and immigrants, said online search traffic for immigrant plans on his website increased by 150% after the proclamation.

He said the new policy “creates an opportunity” for insurance companies to develop plans for incoming immigrants, though some are waiting for more clarity from the government.

For U.S. citizens married to immigrants who have been living in the country without legal status there are additional considerations. Jorge, 45, has been in the United States for almost 20 years and is married to a U.S. citizen. He has been granted a so-called unlawful presence waiver that would allow him to leave and apply to become a legal resident without facing a multi-year bar.

His visa interview in Colombia is scheduled for later this year. At least 10 insurers have told him he cannot apply unless he can prove he is in the country legally, Jorge said. He also does not qualify for travel insurance, he said, because he is currently in the United States.

“This has been very stressful,” said Jorge, who spoke to Reuters on the condition that his last name not be used.

One option available to him, a short-term health insurance plan that offers limited coverage, is only available for six months in Illinois and the proclamation requires coverage for 364 days. He bought it anyway.

(Reporting by Kristina Cooke in Los Angeles and Mica Rosenberg in New York; Editing by Grant McCool)

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