“I am scheduled for future travel and purchased my insurance policy prior to this volcanic event. If this volcano subsides and then erupts again, causing my future travel plans to be disrupted, will this be considered unforeseen and could coverage apply?”

Answer: Under most of our US products, you would be covered based on your purchase date being prior to April 14, 2010, subject to policy terms and conditions.

*****

“I am scheduled to travel this summer and have not yet purchased a policy. If I purchase a policy today and a future eruption of the Iceland volcano occurs would I be covered?”

Answer:  If the current Iceland Volcano situation subsides and commercial airlines resume normal schedules prior to your trip, any new eruption would be considered a new event under our US policies.  Coverage would be administered according to the product purchased (based on limits and exclusions).

*****

“I have insurance and am scheduled to fly out later this week. What should I do if my flight is cancelled?”

Answer:  The first call you should make is to your air carrier as all airlines have made rebooking passengers impacted by this event a priority.  That said, please contact us for additional assistance, both for flight rebooking and to initiate a claim if applicable.

*****

“What is the coverage cut-off date for the current Iceland volcano event?”

Answer:  Eligible US plans would need to have been purchased before April 14, 2010.

*****

“My relatives are stranded away from home. What can you do to help them?”

Answer: Our 24/7 assistance centers stand ready to help you and your customers. Our services include flight rebooking, hotel rebooking, cash wire transfers, translation services, message relay and more. Our worldwide reach has also helped our insureds avoid spending nights in airports, as we have helped get them accommodated in hotels during their delays.

Is Travel Insurance Necessary?

This is the question most people ask before shopping around for budget travel insurance. Well to be honest it is not always necessary. You do not need travel insurance if you can guarantee that;

-You won’t have an accident

-You won’t get sick on vacation

-You won’t lose anything while you are away

-You won’t have anything stolen

-You and your plane will be perfectly on time

-Your set accommodations will be perfect.

However if you are not ready to make all of these guarantees then you need to start shopping around for a travel insurance plan that meets your needs. Just remember that budget travel insurance will be a lot more affordable then $100,000 medical bill you may have to pay off if you come down with an unexpected medical problem in a foreign country.

Comparison Shopping

When looking for budget travel insurance you should definitely compare and analyze all of your options. The internet is a great tool that you can use to easily and quickly compare different plans, different prices and all the benefits that coincide with them. After paying a few thousand dollars for your plane tickets, accommodations and visits to attractions it may seem easy to fork over a few hundred extra dollars on travel insurance. This is where most travel agents make their big money. The best way to find budget travel insurance is to weigh all your options and find the best deal for you and your family.

Look into the details

Surely your focus may be on saving money when looking for budget travel insurance but you should also ensure you are covered in all cases of emergency. Is it really worth it to save a couple of dollars only to find out that you are not protected in a serious situation? Make sure that you read the small print. This area is usually where all the important details of where you are covered and what you are covered for is described. Some budget travel insurance is well, budget, and for good reason. Some plans will not actually cover you in the case of a medical emergency or may not extend to the certain destination that you are traveling to. In the end, saving money is important but make sure that you do all your research and choose a budget travel insurance plan that will keep your wallet full and your vacation safe.

With over 30 years combined industry knowledge, Asset One Insurance Insurance specializes in plumbers insurance offering outstanding service through dedicated team of insurance consultants. The AssetOne team understands Contractors insurance needs and requirements on an individual basis, and will strive to develop an honest long-term relationship.

Additional Guidelines:

Commercial & Residential Contractors – Eligible

Manifestation Occurrence Form

Condo and Apartment Work Ok – No New Construction:

1m/ 1m/ 2m limits w/ $1000 minimum deductible

Blanket AI,

Blanket Primary Wording & Waiver of Subrogation available ($500)

There are few different types of options when international travel insurance. You can choose from a list of available options or you can invest in a plan that incorporates coverage for every possible mishap that you may run into when traveling. Essentially there are four types including;

1. Emergency Medical or Health Insurance – Provides coverage for medical treatment if a sickness or injury occurs while traveling.
2. Trip Cancellation & Interruption – Insurance in case of cancellation of your trip. Recover prepaid trip cost for the following covered reasons. Sickness, bankruptcy, traffic accident en route, employment termination, felony, terrorist incident, weather, strike, jury duty or military duty.
3. Lost Baggage Insurance – Safeguard personal articles and expenses if bags are lost, stolen, damaged, or delayed for 12 hours or more.
4. Flight Accident Coverage – Insurance that deals with instances of accidents on your flight

When debating which coverage is important for your or your family you should always plan ahead and remember that you can never be too careful. Although it may seem like the right decision to opt out of international travel insurance at the time, saving a few dollars is not worth the risk. For a relatively low cost you can protect yourself, your partner and your family from all sorts of unforeseen problems and mishaps. You can purchase a plan that covers you in severe cases or an all-inclusive plan that covers everything from delayed baggage to missing your flight. The risk you incur when you don’t invest in travel insurance is not worth the relatively low cost.

Just as with all other types of insurance, international travel insurance works by incorporating all possible risks that you and your family may be facing. While the insurance company will consider all risks and options, it is up to you to decipher which protection you need and what you can afford. For example, if you are older and have some current health issues or are traveling with your family then it is best to invest in a plan with full and complete coverage. On the other hand if you are traveling alone and are young and healthy then you may consider opting out of full coverage protection.

Does this mean that you should forego choosing travel insurance protection altogether? Absolutely not. There is still a chance that your plane may be delayed or your baggage could get lost. Is it really worth investing all your hard earned money in the perfect trip only to have things go by the wayside because you wanted to save a few dollars? You have heard those travel horror stories. Don’t become one of the statistics. Protect your trip just the way you would protect a new car or your home.

Can you imagine saving up for and planning a trip for months only to have it cancelled at the last minute? As horrifying as a scenario as this is, it is something that does happen on occasion. The last thing you want is to lose all your hard earned cash because you passed on the protection offered by travel insurance. Sure it may seem like an extra expense when you purchase your trip, but it will prove to be extremely helpful in the long run.

Picture this, you have worked overtime for months, saving and pinching pennies so that you can give yourself or your family that perfect vacation. Yet, you neglected to accept travel insurance because you wanted to cut the cost of a few dollars of the price of your trip. Well what if your plane gets cancelled, your schedule changes and you miss or flight or, knock on wood, you get sick while traveling abroad? Is leaving yourself completely unprotected in all of these scenarios really worth saving a few extra dollars by foregoing travel insurance? You have invested inordinate amounts of time and money into the trip already; there is no need to start cutting corners when it comes to travel insurance.

 If you are taking a road trip three hours from your home town to see a fireworks show, then you can probably get away without travel insurance. However if you are planning a getaway style vacation to a different country or even an expensive paradise in your own country, travel insurance can save you money, stress and hassle in a number of invaluable ways. How can you put a price on the safety and protection of your money and also your family?

The benefits that coincide with an investment in travel insurance are infinite. You can cover yourself in emergencies, cases of lost luggage, sickness and even sudden evacuation from a country. Not everywhere that you are willing to travel can be deemed a safe and healthy atmosphere. Would you consider riding a motorcycle without a helmet? Or would you be willing to feed your children unhealthy food just because it came at a low cost? Probably not. Then why would you neglect the benefits offered by travel insurance? When you compare the staggering benefits of travel insurance to the relatively low cost you really have nothing to lose.  Take the opportunity to protect your time, your money, your health and your family all in one convenient offer.

Medical complications during pregnancy are a possibility. While most instances are less severe, the need for urgent care can become a reality and a great necessity for some women. In order to best prepare for such a potential medical need during a trip, you should be sure that the right type of care will be available to you if so needed. This will prevent unwanted health risks, ensuring both the protection of your baby’s health as well as your own and providing you with the peace of mind to enjoy your trip knowing that you will be taken care of.  Although pregnancy and child birth are generally excluded in most travel insurance plans, pregnant women who are traveling can be assured of receiving medical care from complications from pregnancy through purchasing travel insurance.

Travel insurance includes health insurance coverage that will protect you when you are away from home on a trip. This type of insurance coverage will allow you to obtain sufficient health care no matter where you are in the world and is recognized by most hospitals and health care providers. This extra level of protection is a welcome security blanket for expectant mothers as they can feel more comfortable knowing that if anything does go wrong, they and their baby will be well cared for. Some of these policies have provisions for what is known as “medical evacuation,” which means that you will be taken to the nearest facility that will provide the type of care specified by your travel insurance plan. This is extremely helpful as some countries do not offer the same base standard of care as is available in the U.S., such as those pertaining to hygiene, re-using needles, etc.

Women who are pregnant and are looking for travel insurance should keep in mind a few key points. First, most companies providing this type of coverage may not provide a policy to a woman who is in her 28th week of pregnancy. This is because the possibility of complications becomes more likely in later stages of pregnancy. You can obtain the most comprehensive and least expensive travel insurance plan when in the earliest stages of your pregnancy. In addition, if there are any known existing complications, these complications will be excluded from the travel insurance coverage. Finally,  going into labor while traveling is excluded from coverage, so it is best to check with your doctor and insurance provider to secure these details before you take your trip.

Travel insurance for women who are pregnant can provide a great way for women to obtain a great level of health care should the need for it arises.

What sets us apart?

Stability with American Contractors Indemnity Company, rated A (Excellent) by AM Best

Speed of issuance with USA Insurance bond application process

Flexibility with underwriters offering creative bonding solutions

With flexibility and partnership we offer creative bonding solutions with excellent customer support. All this with the speed and stability needed to establish an ease of mind.

Quick Guide to Medicare DMEPOS Bond

DMEPOS is an acronym for Durable Medical Equipment, Prosthetics, Orthotics and Supplies. The Department of Health and Human Services / Centers for Medicare and Medicaid Services are requiring existing Medicare DMEPOS suppliers to be issued a bond amount of $50,000 per National Producer Identifcation.

A Medicare DMEPOS supplier is an entity or individual, including a physician or Part A provider, that sells or rents Part B covered DMEPOS items. Also, they must meet the Medicare DMEPOS supplier standards.

Examples are:

• Pharmacies
• Medical Supply Companies
• Oxygen and Equipment Suppliers
• Grocery or Department Stores
• Nursing facilities
• Independently Practicing/Billing Therapists
• Occupational Therapists

The DMEPOS bond requirement has a deadline of October 2, 2009

Do You Need Travel Health Insurance?

Many insurance agents will push travel health insurance on you, yet many say that if you have health insurance that you might not even need the travel health insurance at all. So, the first thing you’ll want to do is inquire about your out of country or out of state coverage with your regular every day health insurance. You’ll probably find that your regular health insurance will provide the same coverage out of country that you receive at home, which means you are covered.

Now, just because you are covered by your health insurance when traveling out of country doesn’t mean that you shouldn’t think about getting travel health insurance. If your coverage is limited with your current health coverage, travel health insurance really isn’t a bad idea. Your travel health insurance will become secondary insurance, meaning it will pay for the items that your primary health insurance didn’t cover. This can limit your out of pocket expenses, so it’s not a bad idea.

What You Need To Look For

When you are considering buying travel health insurance there are several things that you need to be aware of going in. First, is the fine print often involved with these policies. You may believe you have a certain type of coverage, but when you look at the fine print you’ll realize that there is a list of pre-existing conditions and exclusions that limit your coverage because of treatments or conditions you’ve been diagnosed with in the last six to twelve months. Ask right away about pre-existing condition policies to determine if a policy is a good fit for you and your needs.

Next, be aware that there may be types of insurance that people often believe are straightforward health insurance policies but they are not. For instance, travel protection plans are often there to reimburse you for emergencies that arise during travel such as a death, sickness, airline strike, or travel company bankruptcy, but they many not provide adequate coverage where actual medical expenses are concerned. Be sure when you buy your policy that it is a travel health care policy and not something else that happens to cover a few health related circumstances.

When you are looking at the actual coverage, you might find that you have co-payments or deductibles with travel health insurance if you are buying in the United States. This isn’t unusual; so don’t turn down a policy if it has these attached to them, as it’s a valid system.

If you are buying to buy travel health insurance you might as well buy a substantial enough of a plan that it will cover emergency surgery or extended hospital stays, just in case. Your regular health insurance will probably cover these items, but often the travel insurance will pay the whole bill and settle with your primary insurance later on, taking the stress of payment off of you.

The most important element that you should look at with travel health insurance is medical evacuation. Health care is not perfect all around the world, and in many areas you are at risk if you receive medical care as they simply do not have the supplies to sterilize items, and many things such as needles are used more than once. You should look for a travel health insurance policy that will provide medical evacuation to the nearest facility that is able to provide proper care to you and your health situation.

You’ll also want to look into whether the policy will cover an air evacuation back to the United States. The need for this is very rare, but when it is needed, it’s understandably expensive and you don’t want to have to pay for such a bill out of pocket. An air evacuation can cost tens of thousands of dollars, and if your travel health insurance covers nothing else, this will make it worthwhile.

Travel health insurance that will provide round trip airfare for a person chosen by you in the event that you will be hospitalized is always a good thing, as well. If you are alone in a foreign country and receiving medical care, it’s good to have someone there to advocate for you. Good travel health insurance policies will usually have this feature, which you’ll probably never use, but in the circumstance it would be nice to have someone there with you during your treatments.

Travel health insurance is beneficial because it will get you admitted to a hospital right away. Unlike your primary health insurance, travel health insurance is recognized all over the world and hospitals know that they will receive payment, so they are not hesitant to admit you and provide you the care that you need. Travel health insurance is a great way to make sure that you are taken care of, regardless of how serious or minor the issue may be.

Good travel insurance will also secure an English-speaking doctor for you. When you are being treated for a serious condition, you want to be able to talk to someone that you can understand. Most travel insurance will provide you with a referral to an English-speaking doctor with no additional charge. When you are ill and far away from home, you’ll find that speaking to a doctor that speaks your language can help calm your fears.

Travel health insurance will typically provide an important feature to your friends and family should you suffer fatal injury or illness while abroad. The shipping of your remains is typically covered by a travel health insurance policy, which is important when you are far from home and your friends and family need closure.

As you can see, there is a lot to consider when buying travel health insurance. You may not need it all that much for coverage’s sake, but it’s a good idea so that hospital personnel abroad will take you serious. When you look at travel health care policies, don’t rush into buying. Get information from several sources and then make your decision when you feel as though you’ve found the policy that best meets your needs. Remember, the chance that you’ll need to use your travel health care is limited, but it’s better to have too much coverage than not enough.

Even when students are not traveling abroad, travel insurance is a good idea. Many students have the opportunity to travel with school groups, church groups, and more. These travels are usually within the same country, but the chance for something to go wrong is still there. Even in his or her own country students are likely to need medical care, experience delays, loss of luggage, and even become the victim of theft. Travel insurance can help students an their parents recover losses from travel.

What You Should Consider Adding To Your Student Travel Insurance Policy

You can buy cheap student travel insurance policies, but it’s always a good idea to really look at a policy before you buy it and decide if it covers all the things that you need it to. There’s no sense in having a student travel insurance policy if it doesn’t cover the things that you need it to. And, there’s nothing worse than calling to make a claim only to find that your insurance policy doesn’t cover your claim because you didn’t purchase the right type of travel insurance.

• Buy travel insurance that will cover the area of the world that your student will be traveling to. Though most insurance policies will cover any area that you travel to, it’s important that you double-check this before purchasing. If you do not read anything on the policy that indicates what area of travel your policy will cover, it’s imperative that you don’t assume your travels will be covered, always ask your insurance agent if in doubt.

• Consider buying student travel insurance that will cover medical costs such as hospitalization, rehabilitation, life flight, and even transportation to your home country. This may be an expensive part of your policy, but paying out of pocket to get an injured student home will be more costly than the policy will be. Medical travel insurance is likely one of the most important elements of your travel insurance policy.

• Consider purchasing a student travel insurance policy that covers the loss of luggage. Other than medical coverage, these are the claims that are made most often. Students will likely get to their national or international destination without losing their luggage, but if it does happen it can mean the loss of hundreds and even thousands of dollars in belongings, and replacing them should be covered by your insurance. Don’t expect that the airline will cover your lost luggage and all the contents, insure your luggage from loss so that you can easily and efficiently replace all of the items in the bag.

• Student travel insurance policies that cover the loss of theft of items are also a good idea. Of course, you might not file a claim if a student loses a fifteen-dollar jacket, but if your student loses or has a stolen an expensive item such as a camera, watch, or jewelry you’ll definitely want these items covered. No one ever intends to lose items or have them stolen, so a student travel insurance policy that covers such possibilities is the best idea.

• Many student travel insurance policies will cover the expenses caused by delayed and canceled flights. Flights are delayed and canceled all the time, causing issues with connecting flights meaning that your student will have to pay money out of pocket to find lodging and food in areas that they did not originally intend to stay. While this does not seem like it could amount to much, it could be hundreds of dollars that you did not intend to spend, which is worth filing a claim for.

Student travel insurance is simply a safe guard against the risks associated with travel. Students are more likely to have issues while traveling, especially if they are young and have not traveled a whole lot. Most students travel to and from their destination with little or no problem, but student travel insurance is still a good idea. Accidents happen, as do medical emergencies, and being far from home without a way to cover such expenses can prove catastrophic. As you would with your car, home, or your health care, insurance is the way to go, just in case.

While it may seem tempting to save costs and skip out on travel insurance it is not worth the risk or stress that you will feel for your entire trip. You are going on a vacation in order to get away and relax. If you are constantly worrying about health issues, lost baggage or having your plane cancelled then the entire trip could be wasted. The best way to protect yourself and your family is through inexpensive travel insurance that can be found in the form of an annual plan.

 It is surprising how many people choose to neglect travel insurance for themselves and their family when in hindsight there are such affordable options. Many families feel that travel insurance is a privilege that only wealthy people can benefit from but this is simply not the case. Competition in the insurance marketplace and the increase in tourism have brought down the price of travel insurance especially when it comes to annual coverage.

Inexpensive travel insurance that comes in the form of annual coverage can protect the safety of your family when you travel together and when you travel apart. With this viable option you and your family will have protection year round, no matter the destination at an extremely affordable price. Whether your children are on a school trip, you are on a romantic getaway with your spouse or heading off for a weekend alone, you will have all the protection you need before you need it.

Would you consider driving across the country without car insurance? Or going skydiving without life insurance? Then why risk the health and safety of your and your loved ones when traveling? Inexpensive travel insurance is easily attainable and comes with more benefits that can even be counted. You never know when something may go wrong or when an unexpected event may occur, so protect yourself today and enjoy that relaxing getaway without all the stress and worry.