• Travel Insurance Blog

  • Tuesday, August 22, 2017

The Liaison travel insurance plans offer affordable international travel insurance for people who travel internationally from the United States, and U.S. visitors as well. While the Liaison Continent plan offers a choice of four plans with different coinsurance amounts, the Liaison Majestic plan offers a coinsurance of 90% of the $5,000 after the deductible, and after that, 100% up to the medical maximum inside the United States and Canada. Outside the United States and Canada, the plan pays 100% o eligible expenses after the applicable deductible.

The Liaison Continent plan, on the other hand, offers different plans: two for travel to the United States, and two for travel outside the United States. Inside the United States, Plan A offers 80% of $2,500 of expenses after the selected deductible, and 90% of the next $5,000 of expenses, and 100% after that. Plan B, on the other hand, offers 75% after the selected deductible.

Plans E and F are valid outside the United States and Canada. Plan E pays 100% of the charges after the deductible, and Plan F pays 80% of eligible expenses after the deductible. Both plans offer six choices of deductibles—0$, $100, $250, $500, $1,000, and $2,500.

Travel tip:: Choose the deductible that suits you best. Remember that a higher deductible means a lower premium.

Traveling with kids is a different experience from traveling any other way—by yourself, or even with your partner—and that's why international travel health insurance becomes even more important. Kids need to be constantly engaged, and are easily bored. They usually display a curious mix of disinterest and enthusiasm, depending on their innate nature, and their specific mood at the time.

Parents traveling with kids also need to keep in mind their children’s health issues. Some children are easily susceptible to infections and illnesses. Some other kids have a weak stomach, and new cuisines may not go down well with them. The chances of food and weather affecting children increase as one travels internationally.

International travel insurance will help restore some sanity to the proceedings, if medical help is needed for the child. Parents might be worried about the quality of care abroad. If so, it is important to find out what coverage is available for emergency medical evacuation, and whether the international insurance plan covers transport back to the home country.

Kids also need to be reminded of their duties every now and then. Washing hands frequently, eating and drinking only from trustworthy sources, and letting parents know as soon as they feel ill are things kids can do to make international travel safe and fun.

Travel tip: When traveling with kids, carry a tube of hand sanitizer. You never know when it will come in handy.

Very often, the one objection people have to traveling abroad, especially with kids, is this: It’s too expensive. Adding up the cost of travel, international travel insurance, accommodation, and all the sightseeing and it might seem like the vacation will wipe out all your savings.

If your reflex is to skimp on travel insurance, remember that in case something does go wrong, you may end up spending way more than you bargained for. That might truly overshoot your budget and put you off international travel forever.

However, very often, the most expensive part of international travel is just getting there. Some of the less-frequented European destinations can offer a great bargain on this too. The key is planning early and keeping an eye out for airfare deals. Summer’s the time many airlines also offer companion fares; so traveling with your family can actually be an advantage!

After you get to the destination, you will likely find that accommodation and travel within the country is quite inexpensive when compared to the U.S. You will be able to get clean, functional rooms for less than $10 a day in many places. Since you’re traveling with children, remember that it’s all about the experience, and they may not mind a few inconveniences such as a shared shower, for example.

Travel tip: Plastic is the safest mode of payment and is accepted nearly everywhere, but companies often add an extra charge for purchases made outside the U.S. Ask your credit card company about the charges before leaving on the trip.

For most people, their fondest (and most embarrassing) memories are interlinked with their summer vacation. It is the time of growing up, discovering new things, places and people, and having epiphanies that seem obvious later in life.

Your childhood memories will probably not involve any planning worries or thoughts of travel insurance, but as a parent, you will need to think about all this, and much more. First things first: Choosing a destination can be a daunting task, especially if each of your children has an opinion about the best place to visit.

If you are considering an international trip, it is best to start introducing your children to cultures a bit different from your own, and then move on to cultures and places that are starkly different. In this series, we’ll explore the various aspects of traveling abroad with children, and provide tips on how you might make them fun and educational for your kids.

Always keep in mind that children are the most vulnerable not just to emotions and opinions, they are also very vulnerable to infections. You want to ensure that your children follow safe hygiene wherever they are. Also remember that international travel insurance will greatly help in reducing the stress related to worries about the financial implications of a child falling ill abroad.

Travel tip: International travel is expensive, and take your time deciding the destination. Ask for input from your children, but sometimes, it’s best not to be too democratic!

The United States of America is a huge country, with nearly all types of natural habitats, weather, and cultures within it. Right? And I don’t even need additional travel insurance to travel safely within my country. Right? And my parents certainly didn’t take me abroad when I was a kid. Why should I take my kids?

It’s true that an international holiday was reserved for “special treats” not too long ago, and invariably meant the Caribbean, Mexico, or Canada. The need to travel abroad is also not too obvious. Why indeed should parents spend thousands of dollars and take their children to another country?

First things first: International holidays are certainly not for everyone. And they are not “better” in any sense than a U.S. holiday. International holidays just provide one with a different viewpoint for kids. In today’s shrinking world, it also offers children the opportunity of learning about different people, how they live, and what they eat, thereby opening their minds up.

One thing that Americans are often accused of is simply being too provincial. In today’s world, where conflict, strife, and terrorism have hit home like never before, our children may simply not be able to afford to be ignorant of other cultures. An international trip may not happen every year, but it’s important to keep your options open and consider it once in a while. To make the trip as hassle-free as possible, it's best to purchase international travel insurance.

Travel tip: Do not expect kids to be ecstatic about the international trip—they will whine about one thing or another no matter where you go!

The volcano in Iceland has spewed more than just ash. It has dramatically changed the way that many people look at travel insurance, especially trip cancellation insurance. The predominant attitude among people who did not purchase travel insurance unless specified by law was simply, “What are the chances? I’ll take them!”

Now, however, travelers are realizing the extent to which international travel depends on many events and things beyond our control.

The international insurance industry is in a funny situation—while one hand, the industry is expecting to pay out a substantial amount of money and hence rack up losses; on the other, there are strong indications that more people will look for insurance henceforth. As we monitor the situation closely, there will doubtless be different viewpoints that support and oppose insurance claims. Already, we are able to glimpse a little bit of that, with some insurance companies considering the volcanic eruption as an Act of God and others as inclement weather.

What can you, as a traveler, take away from the current situation? Looking at how the claims get resolved, and knowing which companies and plans actually settled the claims might go a long way in knowing how reliable a company is. Indeed, this might even be the perfect litmus test for travel insurance companies!

Travel tip: Compare the ratings of a company with their stand on the volcanic ash issue. You might note a correlation!

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Trip Cancellation Insurance
International Medical Insurance - Short Term