our professionals: INSURANCE SPECIALISTS Who’s Got You Covered During Your Big Adventure? By J.B. Gross of J.B. Gross Insurance R ecently Lori and I were having dinner with two couples and the subject of traveling outside of the United States came up and the many perils that can occur. Each of us had either a personal experience or an acquaintance that had some sort of international travel emergency. Most of us tend to be complacent at home with our healthcare. We have our medical ID cards that assures our medical care is addressed, what facilities are avail- able and how our claims will be processed. Put yourself in a foreign country. You are faced with a medical emergency. Do you know the language? Do you know where to go for care? Are you alone? How will your family know how to care for you? How will your care be paid? Get the picture? International travel can be exciting and enriching. But it doesn’t take much — maybe just a fall, a sudden illness, life threatening heart attack or stroke. Why incur extra stress and uncertainty in an already traumatic situation. 72 Consider this: International Medical and Travel Insurance can provide the coverage you need. Who would benefit from this coverage? • International vacationers • Relatives visiting from overseas • Peo ple going on cruises safaris or guided tours • International business travelers • Students studying abroad Depending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Traveling unprotected can leave you vulnerable to paying high out of pocket medical expenses, and navigating a foreign health care system without the assistance you need. The cost for this coverage is surprisingly affordable, an average plan may be less than $5 per day. The cost of a plan varies based on many factors including: • Age of Traveler--coverage is available for all ages • Destination-- medical expenses vary around the world • Duration of Trip • Deductible, Maximum Limits, & Additional Optional Coverage. Customize your plan by choosing benefits that are best for you. Medical and Travel Insurance is designed to provide temporary medical insurance while you’re going on an international trip. These insurance plans provide you a wide range of coverage: • Emergency medical, including emergency medical evacuation • Political evacuation, natural disaster and terrorism • Accidental death and dismemberment • Repatriation of mortal remains • Emergency transportation • Physician visits • Diagnostic procedures • Prescription medications OVER AGE 65 — DID YOU KNOW? MEDICARE STOPS AT THE BORDER: It’s true, Medicare and many domestic plans offer little or no coverage for international travelers. Traveling abroad is an exciting experience, but unpre- dictable illnesses and accidents can happen. Medical bills can be overwhelming. The level of international medical coverage by your domestic insurance provider can vary greatly depending on your plan. You may have limited or no coverage at all. A Medical and Travel plan can provide the coverage you need. Want to learn more? Contact J.B. Gross Insurance Agency to learn how such a plan can benefit you.