Articles

Travel Insurance or Expat Medical Cover?

by Alex Routh   The last article about non-admitted medical insurance policies generated questions about travel versus medical insurance, and the appropriate choice.   Let’s define travel cover: Travel insurance is usually for short intervals but some policies from Australia I’ve seen can be for up to 3 years. Travel insurance covers accidents and emergencies only,

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Admitted Health Insurance?

By Alex Routh   Almost all insurance policies are admitted. That means companies are licensed and registered in the place where they sell policies. For example, if you buy car insurance for a Mexican car, you would have to buy it from a Mexican car insurer. You couldn’t buy it from an American provider.   Almost

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Underwriting Pre-existing Medical Conditions

By Alex Routh   Pre-existing medical conditions are always problematic for people wanting medical insurance. Just like buying car insurance, you have to buy the car insurance before you have the car accident, otherwise nobody would buy car insurance before they had an crash! There are 2 methods of underwriting and approaching this problem that medical

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SCUBA Diving and Insurance

  Scuba diving with compressed air is something that many people do when they are on holiday and Cabo Pulmo has the only coral reef on the Baja Peninsula. I dove there in December and it is worth a visit. The unique feature I saw there missing from many reefs around the world was the

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The U.S. Department of State Advises…

More and more older U.S. citizens are traveling abroad. The U.S. Department of State’s website has a lot of useful information for older citizens moving or just traveling abroad. If you are planning on relocating overseas, you might want to review their webpage on retiring abroad. Here is a list of things that is recommended that you think about prior to your travels:  

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Insurance Ombudsman

  The UK Insurance Ombudsman was created in 2001 by the Financial Services Act in order to settle disputes between insurers and clients. Other countries like Australia and New Zealand also have Insurance Ombudsman offices. The types of disputes that come up most often in the UK related to Travel/ International Health insurance policies were

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International Health Insurance Fatal Flaws

How would you feel if you bought a medical insurance policy and two years later you were diagnosed with bowl cancer and they denied the clam? The medical director of the insurer sent you a letter saying that “After reverse extrapolating the growth of the tumor, it started growing a few months before inception of

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Medical Evacuation and Insurance Policies

The basics of medical evacuation and making sure you are covered. What is Medical Evacuation? This is the transport of a patient from a place where he was badly injured in an accident or suffered a life threatening illness, to a medical facility capable of treating him. How is medevac conducted? The expedient solution for

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