Archive for the ‘Coverage around the world’ Category

Vaccine and booster shot precautions as you travel outside the United States

Wednesday, July 6th, 2011

bali, diving, vacation, travel vacation, underwater photographyGood Neighbor Insurance (www.gninsurance.com and www.gnazhealth.com) agents understand the importance of making sure all health precautions are taken care of prior going overseas.  I, myself, go overseas at least two times a year to far off lands to scuba dive and I too have to make sure all my shots are up-to-date and take those extra health precautions.

Some of the world’s most spectacular destinations are also home to some of the world’s nastiest bugs and diseases.  Yellow fever, malaria, and other sickness can strike the international travelers at anytime.  Just because one is on vacation or on a business trip does not mean sickness ends the moment you board the airplane heading to another country.  Below are tips on what vaccinations one should take as well as health precautions to those countries you are visiting.   Of course the foundation of your health precautions for your overseas travels starts with an international travel plan.  There are travel plans for those traveling just a few days to a few weeks, www.gninsurance.com/tripcancellation/, overseas to those who will be residing overseas for many years, www.gninsurance.com/career_plans.asp .  Either way international health insurance plans are there to take care of those worse case situations just like our US health care plan does in the US.

Dengue Fever Precautions

In travelers returning from the Caribbean, South Central Asia, and Central America, dengue fever is the most common cause of fever.  Recently, small numbers of the mosquito-borne illness have been reported in Key West, Florida. While most cases are mild, some people develop dengue hemorrhagic fever, which can be fatal.  There is no vaccine, but travelers can reduce their risk by protecting against mosquito bits.

Tuberculosis Precautions

Tuberculosis (TB) is more common in Asia and sub-Saharan Africa, although it is found throughout the world. The infection is spread when a contagious person coughs.  Travelers who spend time working or volunteering in hospitals, prisons, or homeless shelters have a higher risk to TB exposure.  If you feel you may have been exposed, it is important to get a skin test.  Prompt treatment is the key to avoiding complications.

Leishmaniasis Precautions

Sleeping on the beach may sound romantic until you consider the infected sand flies.  Their bites can spread a disease called Leishmaniasis.  The most common type, found in the parts of the Middle East, Asia, Africa, and South America, causes skin sores and ulcers.  A less common form affects internal systems and causes life-threatening disease. To avoid bites, stay indoors from dusk to dawn.  Wear long-sleeved shirts, pants, and socks.  Bug spray and bed nets can also help.

Filariasis Precautions

Lymphatic Filariasis is caused by a tiny parasitic worm that spreads through bites.  It affects millions in Asia, Africa, and the Western Pacific, and a fraction go on to develop elephantiasis.  In the Americas, the disease occurs in Haiti, the Dominican Republic, Guyana, and Brazil.  Short-term travelers are at low risk but it is prudent to avoid mosquito bites by using repellant bug spray, wear long sleeves and pants, and sleep under a mosquito net.travel vacation, career insurance, long term international medical insurance

Bedbug Detection

Bedbugs are not choosy about their accommodations – they check into hostels all the way up to five-star resorts across the globe.  They cause itchy red bites on the face, neck, arms, hands, or other body parts – but these marks can take up to 14 days to appear.  To detect an infestation more quickly, look for tiny bugs in the folds of mattresses or sheets, rust-colored spots on the mattress, and sweet musty odor.

Preventing Travelers’ Diarrhea

Travelers’ diarrhea is a top travel-related illness, affecting up to half of international travelers. People visiting Latin America, the Middle East, Africa, and Asia, are the most at risk.  It is rarely dangerous and almost always goes away on its own.  Still, you can take steps to prevent it – steps that also help prevent more serious diarrhea illnesses such as cholera.  The CDC recommends avoiding tap water, food sold by street vendors, raw or undercooked meats and seafood, and unpeeled fruits and veggies.

What about Fruits and Veggies?

With a few precautions, you can enjoy fruits and vegetables while abroad.  Avoid raw fruits and veggies, unless you you can peel them yourself.  A good rule of thumb: boil it, cook it, peel it, or leave it. Also be wary of salads that may have been washed in tap water or smoothies made with non-purified ice.

Antibiotics for Diarrhea

Despite all your precautions, there is still a chance you may get travelers’ diarrhea.  If you are heading to an area where this is likely, you may want to ask your doctor about bringing antibiotics.  Cases of moderate to severe traveler’s diarrhea can be treated with a course of antibiotics.  If diarrhea persists after taking antibiotics, it is important to get tested for possible parasitic infections.

Doug Gulleson loves to scuba dive overseas and makes sure he has his US health care and overseas health care information with him at all times when he travels, www.gninsurance.com/gap-year.  Keep our blog close by you, www.gntravelinsurance.com , for continual updates on the changes with the US health care system.

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When Dangerous Weather Threatens International Travel

Wednesday, May 11th, 2011

travel insuranceGood Neighbor Insurance, www.gninsurance.com , realizes that there are “ah ha” moments during our travels; especially when severe weather comes in with a vengeance to disrupt our travels.  This is when travel insurance that includes trip interruption and/or trip cancellation comes to be an important financial safety net for us.   Good Neighbor Insurance provides many types of travel insurance plans and you may view them on these two web pages at www.gninsurance.com/tripcancellation.  Early on a February morning, a cyclone of historic proportions stormed the shores of Australia’s famous Great Barrier Reef. Residents scrambled to board up and head for shelter as foreign visitors hunkered down in hotels.

Rated a category 5 on the Australian tropical cyclone intensity scale, Cyclone Yasi was a dangerous storm even by American standards. The Australian Bureau of Meteorology measured the cyclone’s core pressure at 929 millibars and estimated storm surge at over 16 feet. This compares to a category 4 hurricane in the Atlantic, which is stronger than hurricane Katrina’s category 3 landfall.

The cyclone’s eye missed Cairns, a city considered by some to be the gateway to the Great Barrier Reef. It churned up hundreds of miles of ordinarily calm, turquoise water known world over for its vibrant and exotic marine life. Hundreds of miles of tropical white sand beaches were threatened with erosion. Experts say it’s difficult to tell what damage if any was done to one of Australia’s natural wonders.

Such powerful land-falling cyclones may be rare in Australia. But when they occur, they can dampen any vacationer’s plans. You don’t have to go far for dangerous weather to threaten your travel plans. But the farther you travel, the more can go wrong. Consider these dangerous weather travel tips for international travel.

1. Allow for weather hazards along you entire route when making travel plans. Airplanes are especially vulnerable to changing weather conditions. Pilots constantly monitor the weather when flying. Passengers also should plan for potential delays caused by dangerous weather at their take off and landing sites and by any weather through which the airplane must fly. Don’t make connecting flight times too short or plan to arrive at your destination late in the day. If your flight is delayed in any way, you may have trouble getting to your hotel.

2. Research what kind of help will be available on your trip should dangerous weather strike. Bad weather can strike anywhere at any time. Some countries have sophisticated weather warning systems. Others don’t. Most countries try to provide shelter in severe weather, but that shelter may not be what you’re used to. Visitors to countries like Mexico who did not plan ahead have come home with hurricane shelter horror stories.doug's corner, scuba diving pictures

3. Verify your travel provider’s plans whenever you think weather might cause problems. Airline representatives are not likely to know what connections are important to you. The alternatives hotels or airlines have to offer inconvenienced patrons may not be what you need. But they may be able to do more for you if you are the first to ask.

4. Be prepared for the unexpected. Few things are more unpredictable than the weather. Be prepared by bringing more than enough of essential items like medications, emergency cash and comfort food. Don’t depend on your airline or hotel to provide for all your emergency needs.

5. Know your options. Travel insurance can help provide what your travel operator can’t in emergency situations as long as you plan ahead. They can reimburse trip cancellations due to inclement weather and provide a hotel room instead of a cot in the airport if you become stranded. Tour groups and travel agents may provide minimal travel coverage for a fee, but these plans are often designed to cover the company’s possible losses not the traveler’s needs. The fine print may not even cover delays due to inclement weather. Travel insurance brokers, on the other hand, can tailor insurance to the traveler.

Then you can sit back and enjoy all the blue skies the weather might provide for your vacation knowing you have any dark clouds covered.

Doug Gulleson loves to scuba dive overseas and makes sure he has his US health care and overseas health care, http://onlineglobalhealthinsurance.com/my-travel-guard.asp , information with him at all times when he travels   Keep our blog close by you, www.gntravelinsurance.com, for continual updates on the changes with the US health care system as well as international travel insurance tips.

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Vaccine and booster shot precautions as you travel outside the U.S.

Wednesday, April 27th, 2011

travel insurance, trip cancellation insurance, overseas travel insuranceGood Neighbor Insurance (www.gninsurance.com and www.gnazhealth.com) agents understand the importance of making sure all health precautions are taken care of prior going overseas.  I, myself, go overseas at least two times a year to far off lands to scuba dive and I too have to make sure all my shots are up-to-date and take those extra health precautions.

Some of the world’s most spectacular destinations are also home to some of the world’s nastiest bugs and diseases.  Yellow fever, malaria, and other sickness can strike the international travelers at anytime.  Just because one is on vacation or on a business trip does not mean sickness ends the moment you board the airplane heading to another country.  Below are tips on what vaccinations one should take as well as health precautions to those countries you are visiting.   Of course the foundation of your health precautions for your overseas travels starts with an international travel plan.  There are travel plans for those traveling just a few days to a few weeks, www.gninsurance.com/tripcancellation/, overseas to those who will be residing overseas for many years, www.gninsurance.com/career_plans.asp .  Either way international health insurance plans are there to take care of those worse case situations just like our US health care plan does in the US.

Polio Booster

This debilitating disease is still active in many parts of Africa and Asia.  The germs can be spread through food, water, and contact with an infected person.  Even if you received a polio vaccine as a child, you may need a booster to make sure you’re protected against all three types of this virus.

Yellow Fever Vaccine

Along the border of Argentina and Brazil, Iguazu alls attracts visitors from all over the world.  Unfortunately, it also attracts mosquitoes that carry the yellow fever virus.  Yellow fever occurs in parts of South and Central America, as well as tropical Africa.  This virus can be life-threatening.  Vaccination is required to visit certain countries, with a booster shot needed after 10 years. 

Typhoid Fever Vaccine

Typhoid fever is a life-threatening infection common in the developing world.  It is caused by bacteria found in contaminated food or drink.  Several hundred Americans get typhoid fever every year – most while visiting Asia, South America, and Africa. The CDC recommends the typhoid vaccine at least 1-2 weeks before travel to these regions.  If you have had the vaccine in the past, ask if you need a booster from your doctor.

Tetanus Booster

Tetanus infections often result from skin injuries, including frostbite, burns, or punctures. The culprit is a bacterium that occurs in all parts of the world.  Tetanus can be fatal.  Booster shots are recommended every 10 years.

Hepatitis A Vaccine

One of the great pleasures of overseas travel is trying a variety of exotic cuisines.  Unfortunately, contaminated food or water can spread infections, including hepatitis A. This viral infection, which causes inflammation of the liver, is common throughout the developing world.  If you were no vaccinated as a child, ask your doctor about getting the vaccine series before venturing abroad.bali, diving, scuba diving, travel insurance, underwater photography

Hepatitis B Vaccine

The hepatitis B virus also causes liver inflammation, but is spread through blood or other body fluids infected with the virus rather than food.  Many chronically infected people carry the virus in Africa, Southeast Asia, the Middle East, Pacific Islands, Caribbean Islands, and the Amazon River basin.  The CDC recommends the the hepatitis B vaccine for all travelers to these areas, especially adventure travelers, missionaries, Peace Corps volunteers, and military personnel.

Rabies Vaccine

Rabies is found on all continents, except Antarctica, and is spread through the bite of an infected animal.  Street dogs in Africa, Asia, and South America pose the greatest risk to travelers, followed by monkeys living among the temples of Asia.  Without treatment rabies is fatal.  A three-dose vaccine is available, through it does not eliminate the need for treatment after the bite. It buys you time to reach medical care, and cuts the doses needed.

Flu Vaccine

If you get an annual flu vaccine, factor your travel plans into the timing of your vaccine.  In the Southern Hemisphere, flu epidemics are most common from April through September.  So families planning a summer vacation in Australia, for example, should make sure they are vaccinated before departing.

Malaria Precautions

Malaria is a life-threatening disease carried by mosquitoes.  It is most common in sub-Saharan Africa, but also occurs in parts of South Asia and South America.  Travelers should ask their doctor about the pros and cons of preventative anti-malarial medications.  Other strategies include using mosquito repellants (30%-50% DEET for adults), wearing long sleeves and pants outdoors, and sleeping under insecticide-treated mosquito nets.

Doug Gulleson loves to scuba dive overseas and makes sure he has his US health care and overseas health care information with him at all times when he travels, www.gninsurance.com/gap-year.  Keep our blog close by you, www.gntravelinsurance.com , for continual updates on the changes with the US health care system.

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What to do if you get stranded in an airport

Wednesday, February 23rd, 2011

Good Neighbor Insurance, www.gninsurance.com , realizes that there are “ah ha” moments during our travels. Even though Tom Hanks made it look “amazing cool” to enjoy living in an airport in the movie, The Terminal (2004), we prefer to enjoy our living in our lazy boy chair at home or on a blanket basking in the sunny beaches of Bali.    Here are our thoughts on things we all should do prior and during those “ah ha” moments. 

Way before one gets to the airport:

1.    Insurance is one of those words we do not like to hear.  Why?  Because we are purchasing something that we plan never to use.  Right?  But sadly, we live in a world of ups and downs. Trip cancellation insurance, www.gninsurance.com/tripcancellation/ , is a great way to provide you peace of mind if cancellation of your trip ever has to occur.

2.    Even if you do not think you need trip cancellation you may need international medical and evacuation coverage, http://gninsurance.com/travel-A/international_travel_insurance.asp .   Yes, even on vacations we can get sick or break an arm or leg!  Even though credit cards work overseas you would rather spend your hard earned money on fun things like clothes and fun things to do rather than a doctor bill.  Right?   

And yes, at times your US health coverage will cover your medical bill overseas (you will have to pay up first and then get reimbursed) but they never will cover medical evacuation and other medical coverage overseas.  Please allow me to repeat this important announcement; US health insurance never covers evacuation coverage (think of it like medical transportation), and other international medical care like return of mortal remains, etc.   

Just for kicks, do you know what a typical evacuation cost in 2010?  Being in business going on 14 years we have (sadly for their sake) seen this benefit used by our clients.  We had an evacuation from Brazil to the Mayo clinic in Florida and the total medical evacuation cost $26,000.  Another client was medically evacuated from Liberia, Africa to Italy due to a possible/probable heart attack.  The total medical evacuation cost was $82,000 (this was a medical chopper and medical airplane with 1 doctor and 2 nurses).  There are no deductibles and copays when medical evacuation is used. Both of our clients, on the above examples, purchased an international travel policy through Good Neighbor Insurance, www.gninsurance.com , for under $150. As the commercial says:  Priceless!

Before the cancellation announcement:

1.  Register for Flight Status alerts on flightstats.com and your airline.

2.  Make sure that you have extras in your carry-on in case of an unscheduled delay (or lost baggage). Don’t forget snacks and battery chargers (or extra batteries).

3.  Check to see if your connecting flight is still on schedule before you board your first flight.

After the cancellation announcement:

1.  If you flight is canceled, get in line immediately and use the gate or check-in agents. You may also be able to re-book online or find out if the airline has already re-booked you. At the same time call your travel agent to get your flight rescheduled.

2.  Those who are flexible and resourceful, work the standby list. Even if a flight is completely booked, there could be a last second no-show.

3.  If you are not getting quick enough action, you can tweet your complaints. Savvy airlines monitor the social networks and give quicker action to stop those bad tweets.

4. Purchase a day pass to your favorite airline club. You’ll have a more comfortable wait and more accommodating agents to work with.

5.  As soon as you know that you have an overnight, start calling hotels and get your self booked.

6.  Request the airport to give you discount vouchers toward hotel rooms. (This is now an airport service).

7.  The courtesy phone is your friend. Use it to locate, showers, cots, blankets and even diapers when traveling with children.

Last Resorts:

1. Take a train or bus to a nearby city to fly out of.

2. Buy a seat on a discount airline and ask for a refund from your airline.

Things to Remember:

In order to remain profitable, airlines are not running as many flights as in the past and those that are running are at capacity. If your flight gets delayed due to weather or some other reason, your chance of experiencing unexpected overnight is rising. To accommodate this, airports are stepping up their services. Many airports now require the restaurants to stay open 24 hours and prepare more food when there are canceled flights.  Shuttles are available to take people to hotels and between terminals. The largest airports also have shops that provide needed supplies like diapers, over-the-medicine, ear plugs and prepaid phone cards. In the past, the airlines took care of the passengers when there were cancellations due to weather, now, we can look to the airports to take care of us.

Doug Gulleson ( www.douggulleson.com) loves to scuba dive overseas and makes sure he has his US health care and overseas health care  information with him at all times when he travels. Keep our blog close by you, www.gntravelinsurance.com, for continual updates on the changes throughout the global health coverage arena.

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Americans Travel Overseas to Cut Medical Costs

Monday, March 22nd, 2010

More Americans travel overseas for healtcare needsThe popularity of  medical tourism is increasing exponentially as people seek lower prices for medical procedures. Increasing insurance premiums coupled with decreasing employer based insurance, means that more Americans are looking outside the United States for healthcare needs. In 2010 the number of Americans leaving the country for medical treatment is projected to reach six million – a 700% jump since 2007 according to Deloitte research.

What is out there? In addition to recommendations from family and friends, people desiring overseas medical treatment can now go to the Medical Tourism Association (MTA) to figure out which hospitals to work with, what legal issues they will have to overcome in aftercare and to find a partner who will help put it all together. MTA recently created a certification program specifically to educate the US insurance industry.

Survey (2009 numbers):

What type of procedure did you travel for?  Spine: 2% Cosmetic: 12% Orthopedic: 22% Weight Loss: 31% Other: 33%

Did you have health insurance when you traveled for care? Yes: 41.5% No 58.5%

Would you recommend international medical travel? Yes: 92.7% Maybe: 7.3% No: 0%

Procedure surgery cost based in US dollars:

Heart bypass: US 130k / India 9.3k / Thailand 11k / Singapore 16.5k / Costa Rica 24k / South Korea 34.2k / New Zealand 31k

Heart-valve replacement: US 160k / India 9k / Thailand 10k / Singapore 12.5k / Costa Rica 15k / South Korea 29.5k / New Zealand 29k Hysterectomy: US 20k / India 6k / Thailand 4.5k / Singapore 6k / Costa Rica 4k / South Korea 12.7k / New Zealand 9.9k

Knee replacement: US 40k / India 8.5k / Thailand 10k / Singapore 11k / Costa Rica 11.1k / South Korea 24k / New Zealand 15k

Here are things to consider before leaving the US for surgery:

• Consult your local physician about your plans • Check the foreign hospital’s accreditations • Research the doctor treating you • Review hospital data • Avoid communication barriers • Use a medical-tourism company • Travel with a companion • Do not rush it

Where to learn more:

• Visit Good Neighbor Insurance at www.gninsurance.com/travel-A/international_travel_insurance.asp  for travel or long term career plans for evacuation and health care plans that will cover any non-pre-existing medical conditions while you are overseas.

• American Medical Association: This agency released guidelines on medical travel last year (2008).

• Medical Tourism Association: This non-profit organization vets medical tourism companies, offers tips for patients, works with internationally based hospitals, and monitors industry trends at www.medicaltourismassociation.com .

• Joint Commission International: The independent agency has accredited and certified health-care organizations in 33 countries, using US standards of care at www.jointcommissioninternational.org .

Doug Gulleson loves to scuba dive overseas and he makes sure he always takes his Amex card AND international travel insurance.  Visit Good Neighbor Insurance at www.gninsurance.com  for your next overseas trip and get a FREE quote.

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Needing medical care while at the Vancouver 2010 Olympics?

Thursday, February 11th, 2010

The XXI Olympic Games will commence tomorrow in Vancouver, Canada.  If you are one of the 2.3 million people expected to descend on British Columbia you should familiarize yourself with the recommended hospitals and emergency information.  You could be perfectly healthy when you arrive, but the elements and the large volume of people in crowded areas will expose you to potential injury or illness.  The Centers for Disease Control has put together a webpage full of suggestions for keeping healthy at the games, but in the event these tips fail to help you, here is some additional information:

Please keep in mind your US coverage may not cover you while in Canada especially when it comes to evacuation needs.  If you are needing coverage check one of our short term overseas health plans at  http://www.overseashealthinsurance.com/short-term.asp or at http://www.gninsurance.com/travel-A/international_travel_insurance.asp .

In the event of an emergency anywhere in British Columbia, call 911. 

If you don’t need immediate assistance, but you are looking for medical advice, HealthLink BC offers 24/7 non-emergency access to a nurse hotline by calling 811.

Looking for a pharmacy?  Chain stores include Shoppers Drug Mart, London Drugs and Pharmasave.  Pharmacies are also available in supermarkets and discount stores, such as Zellers.

The majority of the Olympic events will be held in Vancouver, but some events will be held in Whistler and Richmond.  Familiarize yourself with the options closest to where you will be staying and the events which you will be attending. 

VANCOUVER
St. Paul’s Hospital in Vancouver was selected by the Vancouver Organizing Committee for the 2010 Olympic and Paralympic Winter Games (VANOC) as the primary hospital for Olympic visitors.  Vancouver General Hospital will play a similar role for Olympic and Paralympic athletes and coaches.    

St. Paul’s Hospital
1081 Burrard St
Vancouver
+1.604.682.2344

Vancouver General Hospital
855 West 12th Ave
Vancouver
+1.604.875.411

Vancouver Coastal Health operates hospitals and urgent care centers in the greater Vancouver area.

There are also other facilities available in Vancouver, including the University of British Columbia Hospital, which also operates an Urgent Care Centre in the Koerner Pavillion.  A private outpatient facility called False Creek Surgical Centre is also offering urgent care services during the games.

UBC Hospital – Koerner Pavillion
2211 Wesbrook Mall
Vancouver
+1.604.822.7121

False Creek Surgical Centre
6th Floor – 555 West 8th Ave
Vancouver
+1.604.739.9695

RICHMOND
Richmond, the site of the speed skating events, is served by Richmond Hospital.  There is also a private urgent care center called MCI Medical, located next to Zellers at the Landsdowne Mall in Richmond.

Richmond Hospital
7000 Westminster Highway
Richmond
+1.604.278.9711

MCI Medical
8311 Lansdowne Road
Richmond
+1.604.276.9550

WHISTLER
Although there is no hospital in Whistler, the site of the alpine events is served by Northlands Medical Clinic: 

Northlands Medical Clinic
101-4359 Main Street
Whistler
+1.604.932.8362

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How BUPA Reduces Risk for International Workers

Tuesday, December 22nd, 2009

coffeeCombine the thought of “international health insurance” and not having my cup of jo from Brewed Awakening Coffee Hut around the corner of my home here in Washington State, and I was already having second thoughts about living in a remote village out in East Africa just 2 months from now.

But today I have fixed the concerns I had about international health insurance because I took out the BUPA career plan.  Two things that concerned me were unlimited coverage in the US and maternity coverage. BUPA solved those two issues as well as being a top international health insurance plan based out of the UK.

Maternity is a concern for us since most plans have a 12 month waiting period.  BUPA only has a 10 month waiting period before full maternity benefits kick in.  Now my wife and I are smiling!

Sure, the maternity coverage cost is not much overseas, but what happens if something dreadful occurs to my wife and baby during the pregnancy and birth? We want to make sure our health insurance will take care of everything, including the unforeseen things that may happen.  We pray it doesn’t, but as Mom used to say, “When you don’t use your head, you’ll have to use your feet.” And I don’t fancy work that can be avoided if I had only first used my head.

Then my other concern is what if I get so sick that I have to come back Stateside for good and am not able to get US individual health care? Most international health insurance plans have to follow US federal law of 6 months of US coverage during a 12 month policy period and once I do not meet this US government law I am literally a cup of hot water, sugar and cream without the “jo.” 

The neat thing about the two BUPA career plans is that they have unlimited coverage in the US which means I have peace of mind in case something terrible happens to me. I will not be stranded without health insurance in the US. 

With my health insurance issues solved, the barista at Brewed Awakening solved my other problem by handing me a few pounds of their beautiful, aroma filled coffee beans. 

Now East Africa doesn’t seem so frightening anymore!

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