We are exchange happy around here. They give the broadest selection for our clients without having to visit multiple agents/sites. Yes, we work with the Washington Healthplan Finder answering questions, helping people select plans (Just select a broker under Suzie Health Solutions). We also have a life insurance exchange.
We just added Travel Health Insurance. If you are not in our office then read up on the policies before you select them. There are some things to look for when selecting a policy.
- Are you going on vacation and doing something adventurous? There is literally a section to read up on for Adventure and Sports Travel insurance. Some policies have exclusions for climbing, jumping, Thai Boxing, diving, etc. Look to make sure that what you are planning to do is not excluded. If you have seen it on a James Bond movie then probably some insurance company has excluded that behavior somewhere.
- Are you going with a group of 10 or more? For large parties, buying one travel insurance policy can be more convenient and cost effective. This is great if you are doing a mission with a church group.
- What is the policy for evacuation? If you are hiking up Machu Picchu or scuba diving in a remote lagoon in Papua New Guinea then you will need more coverage for an evacuation than you would if you were in London or Paris. Is there enough funds to get you back to the United states? This is not a place to skimp on. There are 90 different policies.
- Are you doing an extended trip like a school exchange program? The duration will effect what is available. Pay attention to the additional as we have encountered more than one exchange student that decided to learn to sky in the host country.
- Does it exclude preexisting conditions? Companies generally look back 60 to 180 days prior to the day it was purchased. Not all companies are equal when it comes to preexisting conditions.
Life is about having adventures. Not all plans travel well outside of the United States, these days HMO or even EPO Healthplans are common to limit costs. Whether you are scuba diving the Great Barrier Reef in Australia, learning Kali with Doug Marcaida in the Philippines, or high tea in London with Rick Steves, you should have a backup plan of travel health insurance.