Who Can I Buy Insurance From If I Want to Go on a Cruise and Need Emergency Health Insurance?
When making cruise travel plans, prepare for the unexpected. A cruise is the perfect way to unwind, relax and enjoy your time away from the daily routine. Emergency medical insurance affords peace of mind. Should you become sick or injured, your medical care is covered. If you are unable to receive the care you need in a foreign country, medical evacuation is provided.
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Travel Agents
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Travel agency services include selling travel insurance. Your travel agent can review your itinerary with you and suggest the best available coverage for your situation and destination. Emergency medical care is normally offered as part of a total travel insurance package, which includes trip disruption, lost or stolen luggage as well as emergency medical coverage.
Internet Providers
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A wide array of travel insurance programs are available for purchase on the Internet. Read and review the terms of the policies offered carefully. Rates vary depending on your travel destination, age and previous medical condition. Senior citizens should be aware that Medicare does not provide coverage outside the United States.
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Travel Clubs
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Travel clubs often offer discounted insurance coverage to their members. The American Association of Retired Persons (AARP) also offers travel and emergency medical insurance for its members. AARP offers Medjet Assist as its provider of worldwide medical evacuation and repatriation services. If you become ill or injured while traveling more than 150 miles from home, Medjet arranges for medical transportation to the hospital that you choose. A Medjet membership provides travelers peace of mind for a low annual fee of $250 (as of 2010). Anyone 55 years or older may join AARP.
Automobile Associations
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The American Automobile Association (AAA) has offices in every state. It offers travel agency services, trip planning and travel insurance. The AAA Travel Protection Plan, which provides emergency medical and dental protection, as well as emergency medical transportation, is available to all members in Canada and the United States. Rates are per person and based on the age of the travelers. Insurance for children 18 years old or younger is free, when traveling with a parent.
Insurance Agents
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Your family insurance provider can most likely write a policy to fit your needs while traveling. In some cases, this coverage can be written as a rider to an existing policy. Contact your agent for a quote on rates and a summation of services available. Special discounts may apply for children, students and senior citizens.
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