Opened 4 months ago

#1841 new bug

Parents, Are You Looking For International Travel Insurance For Your Children?

Reported by: Mike Ellen Owned by: srkline
Priority: major Milestone:
Component: All Components Keywords:
Cc: Blocking:
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Description

The amount of time, energy, and worry parents can put into finding the right insurance for their children who are traveling can be insurmountable.

I once had the opportunity to speak with a young man who went on a mountaineering trip to the Himalayas. He knew he would be participating in hazardous and maybe even extreme sports so he decided it would be best for him to purchase a plan that included an extreme sports rider. He was smart in making this type of decision, so fortunately when he broke his leg he had the coverage he needed. The international plan with the sports rider that he purchased covered his emergency medical evacuation along with his other medical treatments. He said he would not have known what to do if he had not had the help from the emergency assistance hotline, which was one of the benefits included as part of his international travel insurance package.

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Whether your children are traveling within the USA or outside of the USA Insurance is a necessity. We as parents have a responsibility to make sure our children are protected.

There are several things to consider when looking for coverage:

o How long will your children be away from home? The length of time they will be spending outside of the USA will help determine what type of plan will work best for them. If your children are over the age of eighteen you may wish to consider a plan that would cover them anywhere in the world for an unlimited amount of time. These types of plans are more expensive than a travel plan, but they offer great coverage for young adults who are no longer eligible to stay on their parents' insurance. Purchasing a plan of this type would assure you that your children have the best coverage available for domestic or overseas travel.

o What kinds of coverage do your children need for short term travel plans (1 week to 3 years)? You will want to make sure the plan offers emergency medical, emergency dental, emergency medical evacuation, return of mortal remains, and if they are traveling overseas, terrorism and political evacuation are also important.

o Will they need coverage for hazardous sports? You may also need to consider coverage for such things as hazardous sports, which include activities such as water or snow skiing, hand gliding, mountaineering, and other amateur athletics, or possibly even coverage for extreme sports, such as Bungee jumping, motor biking, BMX, or high diving.

The value of having travel USA Insurance cannot be underestimated. We all assume nothing bad will happen when on a trip, and usually nothing does, but we all need to be prepared for that unexpected medical emergency. Remember being uninsured or underinsured can be devastating to a family, both financially and emotionally.

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