Posts Tagged ‘Evacuation’

What customers are saying about why international travel insurance is so important

Wednesday, May 25th, 2011

Good Neighbor Insurance Inc, www.gninsurance.com, has been helping clients with their international travel needs since 1997.  Who wants to buy insurance when we feel that nothing will happen to us?  Right!  I personally prefer putting that money I would spend on travel insurance on some Kindle e-books or grabbing a couple movies from iTunes.   Oh, yes, and a couple of great Starbucks coffee, too boot!  But alas, reality sets in when I realize how much medical evacuation costs overseas to my wallet if I did not have travel insurance.  Think $20,000 and above just for an air ambulance to transport me to a hospital.   So I decide to forgo my extra Starbucks coffee and couple Kindle e-books and pluck that money on travel insurance I pray I never have to use.  But if I do need to use my travel insurance benefits I know that my travel insurance company will foot the bill and not me and my credit cards!

Here is what some clients have shared with us using these travel insurance plans,  www.overseashealthinsurance.com/ we provide for our clients. 

In my previous travels to India and Asia, I had never considered the need for travelers insurance. All that changed when, in the mountains of Tibet, I was thrown from a horse and landed in a boulder field. Injuries to the left side of my spine, chest, abdomen and hip were extensive. I was in the middle of nowhere, and even by horseback, it would take two days to reach the nearest road. It was a worst-case scenario. Fortunately, HTH Worldwide, www.overseashealthinsurance.com/trip-protection.asp , initiated a comprehensive plan to help bring me to the nearest source of medical care with the highest standards. That your Katmandu based staff was willing to wait three days in a remote village for my arrival is more than impressive. Exploring the world is a beautiful experience and carrying travel health insurance is just a practical necessity of life. Blair L.

“Thank you Good Neighbor Insurance for such a great product.”

While in the airport some travelers were discussing the travel insurance they had purchased along with all the “What Ifs.” When I was asked if I carried travel insurance, I replied, “Yes, most definitely. Having used the product in the past, I would never travel without it.” When I told them why, they were totally amazed at all the benefits and services the policy includes, and how affordable it is. Thanks Good Neighbor Insurance, www.gninsurance.com, for such a great product. R. T.

I am in South Africa to work at a nonprofit organization that assists orphans and vulnerable children in a remote location outside of Johannesburg. Knowing the location, I was motivated to prepare ahead of time. Before my departure, I printed out nearby hospitals, doctors, and additional medical services information from the global database. I am able to access mPassport’s databases on my mobile phone in South Africa. Rachel F.

“With your information tucked into my bag, I board the plane feeling confident.”

This past year I have traveled to Egypt, Greece, and Israel. Before going on each trip, I checked the mPassport databases for names and addresses of doctors and hospitals and your evaluation of health risks and medical facilities. With your information tucked into my bag, I board the plane feeling confident that I can get help all along the way. Pat A.

“My wife and I are absolutely delighted with the service we received.”

While on assignment, I began noticing chest pains following slight exertion. When the situation persisted, I contacted HTH Worldwide by phone, www.overseashealthinsurance.com/short-term.asp . A cardiogram and blood test were quickly arranged and performed at the guest house where I was staying. The tests proved that I was experiencing blockage in my arteries, and it was necessary for me to be admitted to Milpark Hospital in Johannesburg. An angioplasty was performed and a stent was implanted in my coronary artery, which was discovered to be 99% blocked. I was very close to having a major heart attack. To say HTH Worldwide and Alliance International Medical Services delivered more than I expected would be a gross understatement. My wife and I are absolutely delighted with the service we received and have been recommending HTH Worldwide to all of our friends who want to travel, but are concerned about unexpected health emergencies. We will never travel again without availing ourselves of the health benefits and services afforded through HTH Worldwide. Thanks for your outstanding service. Jim D.

“I was able to look up a doctor in London online and make an appointment with him the same day.”

I was able to look up a doctor in London online and make an appointment with him the same day. He was professional and friendly, and the whole process couldn’t have gone more smoothly. I was very happy to be able to connect with a qualified professional when outside the U.S. right away. Thank you! I. S.

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   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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Medical Evacuation – Medical transportation 101

Wednesday, January 26th, 2011

Good Neighbor Insurance Inc, www.overseashealthinsurance.com, has been involved in providing international health care cover to our clients since 1997.  HTH is one of our top career and short term/travel companies we provide and is one I personally use when I travel overseas on my diving trips.  Not only is HTH an “A” rated company but they have and continue to believe in the philosophy that “people are the destination!”

All of HTH plans have evacuation coverage and you may view these plans on our web page at www.overseashealthinsurance.com/global.asp and here at www.overseashealthinsurance.com/short-term.asp .   Below we explain why you need medical evacuation coverage and other medical travel benefits when you are traveling overseas for business or for pleasure.

World travelers need to properly protect themselves against financial exposure due to catastrophic medical events. If comprehensive travel medical benefits and assistance services are not secured before they go, travelers may find themselves exposed to huge losses – both physical and financial. Though illness or injury can strike at any time, when severe incidents occur overseas, lack of proper coverage can leave travelers with steep medical bills for less than sufficient care.

Why are medical evacuation benefits necessary?

Global travelers need to be prepared for the possibility that they may find themselves in a location where the medical care is poor or inaccessible and it is necessary to be evacuated to an area where they can receive the appropriate level of care. Medical evacuations can be complicated and costly. However, most travel insurance plans include a medical assistance benefit, which is critical. It gives members 24/7/365 access to a company that will arrange the evacuation and coordinate appropriate treatment along the way.

Do evacuation membership programs include medical benefits?

Many domestic health insurance plans offer inadequate services and protection when taken abroad. This is certainly a problem for lesser illnesses and injuries, but can be devastating when medical evacuation, which is almost never covered, is necessary. Travelers should understand that the most comprehensive and reliable coverage comes in the form of an A-rated travel health insurance policy. In contrast to benefits provided by medical evacuation membership programs, these policies offer evacuation coverage, but also include routine, urgent and medical benefits necessary to provide travelers with the optimal level of protection and assistance.

What are the key considerations of any medical evacuation?

Evacuating a patient for medical reasons is a complex process that includes the following:

1. Evaluating the appropriateness of local health care providers

2. Identifying the closest facility where a high level of care is available

3. Determining the risk/rewards of moving the patient

4. Choosing the best method of transport (e.g. ambulance, helicopter, fixed wing air ambulance)

5. Securing the cooperation of the local treating physician, including a determination that the patient is stable enough to be moved

6. Enlisting the most appropriate team to handle the transport (e.g. doctor, nurse, and therapist)

7. Arranging for speedy and appropriate intake at the receiving facility

Buying a more comprehensive travel health plan

Doug Gulleson loves to scuba dive overseas and makes sure he has his US health care and overseas health care, www.overseashealthinsurance.com/trip-protection.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 throughout the global health coverage arena.

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Don’t let your Short-Term Team Trip Abroad Become a Nightmare

Friday, November 26th, 2010

At 59 years old, Debbie Williams was still active in short-term medical trips. She and her husband, a gynecologist, had gone on them for thirty years. A trip to help a clinic in Chile seemed routine for this active couple. But on the flight over, Debbie became ill. Upon landing she was rushed to a nearby hospital. Tragically, nothing could be done to save her life.

But even in the midst of grief and the miles of red-tape required to return Debbie’s body to the US, the church that sent them out could be thankful. You see, it was Debbie who had urged them to add team travel insurance to their last-minute plans. And in the midst of tragedy, team travel insurance would see her returned to her family.

Medical evacuation and return of mortal remains incur huge costs if not covered by trip insurance. The  Don Jenkins family of Kentucky was stuck with a bill of $90,000 after Don tripped and hit his head while on a mission to Cost Rica. The family of Britt Leis had to pay $55,000 just for his medical evacuation after he was mugged in Ecuador.

So what can travel insurance do for your short term team?

1. Cover overseas medical bills. Medicare and many domestic insurance plans do not cover services rendered outside of the country. And the new health care bill has not changed this lack of coverage. Short term team travel insurance can, however, cover any medical emergencies the team might encounter.

2. Provide medical evacuation for ill or injured team members.  Medical evacuation happens suddenly and unexpectedly and is very expensive.  There are no domestic medical plans that cover medical evacuation. Travel insurance is the only way to obtain this type of coverage.

3. Return the remains of a deceased team member. Flight arrangements to return a body back home are  complicated and expensive. All the details are covered by insurance representatives who can be reached by phone twenty-four hours, seven days a week.

4. Offer assistance and peace of mind. Often it is the unnoticed benefits of travel insurance that are the most valuable. A traveler in Vietnam suffered a perforated ulcer. Insurance representatives determined that medical facilitiesin the area were inadequate for his care and arranged a medical evacuation to nearby Thailand. The transfer undoubtedly saved his life.

Good Neighbor Insurance has years of experience insuring short-term teams. Check out our short-term team options at  www.gninsurance.com/short-term-team/  Doug Gulleson loves to scuba dive overseas and  he makes sure he always takes his credit 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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How Much Travel Insurance Do I Really Need?

Friday, August 20th, 2010

There’s been a lot of confusion over whether or not travel insurance covers a natural disaster such as the April 2010 volcanic eruption in Iceland. This disaster stranded tens of thousands of travelers.  When someone asks, “Does my travel insurance cover this type of event?” I answer, “Check the fine print.” 

Here are four guidelines for knowing what kind and how much travel insurance to get.

1. What is your trip worth to you?  A young student sleeping in hostels throughout Europe and carrying a backpack probably doesn’t need a “Cadillac plan” trip protector. Compare that to a couple in their early 60s who have reservations in 5 star hotels in some of the most expensive cities in Europe and who fly first class. Their travel will cost quite a bit, so they should consider paying top of the line coverage.

2. Compare the cost differences between a basic plan and a premium plan. I went on a well-known travel insurance website to see how much it would cost me for a two week international trip. The Basic plan sells for $127 for a person my age.  When I added in “cancel for any reason” coverage, upgraded medical coverage, and optional flight coverage, the total jumped to $202.  So now I have to ask myself, is that extra $75 worth it? 

3. Know what you are buying.  Travel insurance policies contain 4 types of trip protection:  trip cancellation, trip interruption, trip delay and missed connection. Before you travel, find out what is covered and what is excluded.

  • Trip cancellation reimburses you the full cost of your pre-paid ticket in the event you have to cancel prior to your trip. 
  • Trip interruption reimburses you for travel expenses in the event of an unexpected crisis during your trip, causing it to be cancelled, interrupted or delayed. 
  • Travel Delay reimburses you for expenses you pay for trips delayed for more than 5 hours due to covered reasons but only up to a certain amount, some $1000, others $750.  Travel delay typically covers hotel accommodations for stranded travelers, meals, taxi fares and essential phone calls.  
  • Mixed connection reimburses you if inclement weather or common carrier causes cancellation or a delay of a regularly scheduled airline flights for three or more hours to your time of departure.

4. Buy travel insurance for the medical coverage and other services even if airlines reimburse you for travel-related problems.  Sure, airlines do reimburse (for a fee) and are obligated in many cases by law to compensate for long travel delays, interruptions and cancellations. But they won’t pay any medical bills should you be injured on your travels. Medical evacuations alone can cost tens of thousands of dollars. And they won’t pay for other services such as physician referrals, translation services, prescription replacement, emergency cash transfers, and concierge services.

Mixed connections are another form of travel frustration. If your mixed connection occurs when traveling with the same airline or air alliance, then you will be taken care of by the airline company. However, if your mixed connection happens when you fly two different airlines or airline alliances, then you are out of luck with the airline companies. If you have travel insurance that covers mixed connections, then you are in luck.   Good Neighbor Insurance provides top notch trip cancellation plans.  You may view them at our web page at www.gninsurance.com/tripcancellation/ . 

Two out of our four trip cancellation plans we provide are: (a)  Travel Guard Gold plan at www.onlineglobalhealthinsurance.com/trip-cancellation/  and (b) HTH Trip Protector plans at www.overseashealthinsurance.com/trip-protection.asp .  Our HTH Trip Protector plans also cover pre-existing medical conditions.

So, the choice is yours.  Most trip cancellations and interruptions are pretty straight forward, and you can get reimbursements from the airlines. In those cases you wouldn’t need a premium Trip Cancellation plan. But in the event of a volcano erupting, or some other natural disaster that severely disrupts travel for days and days, you could be out hundreds of dollars. That’s why there is travel insurance. Like any insurance, we get it because we don’t know the future.

Doug Gulleson loves to scuba dive overseas and makes sure he always takes his Amex card AND international travel insurance policy. Visit Good Neighbor Insurance at www.gninsurance.com.  for your next overseas trip health coverage and get a FREE quote or call one of our agents at 480-633-9500.

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Hallmark Channel Features Good Neighbor Insurance and Travel Insurance for Seniors

Thursday, May 27th, 2010

Good Neighbor Insurance has created a segment on travel insurance for seniors that will air on Hallmark June 1st at 7:30am (6:30am CST), with reruns airing on the Hallmark Movie Channel Thursday, June 3rd at 7:30am, Sunday, June 6th at 5:30am and Monday, June 7th at 5:30am. 

 Good Neighbor Insurance has specific travel insurance for seniors.  These plans include:

  • Medical Evacuation
  • Coverage for Pre-Existing Conditions
  • Trip Cancellation and Interruption
  • Baggage loss and dely
  • Emergency reunion visit by a family member should a senior be hospitalized overseas
  • Return of mortal remains

Heart attacks and accidents are the most common causes of overseas medical emergencies. If seniors have medical emergencies while outside the USA, the State Department cannot pay to bring them home. Domestic health insurance policies and premium credit card programs will not cover the high cost of medical evacuation, often costing more than $50,000. 

Boomers need to be aware of the fact that they will need medical evacuation insurance even for cruise-liners. You may view our Boomer travel options by going to www.gninsurance.com/boomer/ .

Medicare won’t cover most medical expenses outside the United States. Medicare Part D coverage for prescriptions also stops at our border. 

Active seniors engaging in extreme or contact sports will need to purchase a sports rider.  Rock climbing, hot air balloons, kayaking, surfing and many other sports will need the additional coverage that a sports rider gives.

While insurance won’t prevent accidents from happening, it will ease financial and emotional burdens placed on seniors and their families. Help is just a collect phone call away, no matter what time of day or day of week. Access to board certified medical personnel and language translation services – along with a whole host of concierge services – is available at all times.

 

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Swimming with the big guys? Then think about medical evacuation!

Wednesday, May 12th, 2010

 

Swimming with whales in warm Pacific waters sounds crazy — except to those few of us who love the water dangers of snorkeling and scuba diving. Anytime I venture near my favorite diving places, I always keep on board a copy of my medical evacuation travel insurance.  

The goal of medical evacuation is to save a patient’s life and to limit the extent of an injury. If my condition is stable and not at risk from flying, insurance companies will fly me to the nearest adequate medical facility. For example, if I were diving in Indonesia they would fly me to Singapore, if in Fiji, to New Zealand. Once stabilized, if needed, they will fly me home. No insurance company is large enough to have their own fleet of planes available in every country. Instead, they sub-contract planes with medical evacuation companies worldwide. 

Regardless of where you are in the world, you will have 24/7 access to a special emergency division within the insurance company.  You simply call their collect-call number. One company GNI works with has 10 nurses and 1 Medical Officer (doctor) in their medical evacuation division. 

Depending on the geographical location of the patient, medical evacuation can happen quickly, often within 2 to 3 hours. Here is the general procedure

  1. The insurance company is contacted concerning a needed medical evacuation.
  2. The Medical Evacuation Division in the company makes a quick and complete evaluation of the illness or injury. This is generally done in consultation with a physician that works with the insurance company and medical personnel that are on the ground stabilizing the patient.
  3. Evaluation of the physical/geographic location of the patient, e.g., nearest airport and nearest adequate medical facilities, is considered.
  4. The patient is evacuated to the nearest adequate medical facility, and if necessary, once stabilized, evacuated back to his or her home country.
  5. If the medical condition is not overly serious, they will use a common carrier for the evacuation, often sending along medical personnel to assist the patient in flight. If very serious, they will charter a plane from a medical evacuation company in the region.

Two other side benefits of medical evacuation bring much needed comfort to the family in an emergency. One, if you have any children with you, they will be flown back home.  Two, the insurance company will pay for a family member to be with you. 

So next time you plan to swim with the big guys, give us a call and we’ll hook you up with the right medical evacuation policy. 

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

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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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Consider giving to GNI’s list of NGOs in Haiti

Friday, January 22nd, 2010

As of today, there are 200,000 known dead in Haiti. Each mass grave covers bodies of 10,000 people.  Americans are still missing, and their loved ones are demanding that the US government do more to help find their bodies and bring them home. More than 2 million people have lost their homes; staggering considering that Haiti’s population is almost 10 million. That’s the equivalent of 60 million homeless in the United States.   

GNI has contacts with dozens of groups and individuals in Haiti. We provide overseas health insurance for “Hopital Albert Schweitzer,” and because they are located in the north they were unaffected by the quake, making them one of the go-to hospitals in Haiti.

We desire to help, so GNI has compiled a list of small NGO’s – or non-profit organizations – that work in Haiti. 

Please consider giving to one or more of these groups. Thank you!

And don’t forget, if you plan to go to Haiti, contact us about health and travel insurance plans that include medical evacuation.

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Do you realize your health care plan may not cover you in Canada?

Wednesday, January 20th, 2010

Is traveling to Canada from the U.S. for the Vancouver Winter Olympics considered an international trip?

Yes.

Your U.S. domestic health insurance plan – whether it is individual, group, Medicare or Medicaid – will not cover you in Vancouver for medical evacuation.  They may cover doctor and hospital visits, but they won’t cover you for medical transportation and evacuation, which are the most expensive coverages.

It does seem unfair. After all, Canadians look like us, they eat like us, and they talk like us (except you can always spot a Canadian by how they pronounce “again” and “out.” Listen for it when you are at the Olympics.)

You might wonder, “What’s gonna happen to me in Canada?” What are the odds of getting hit by a runaway bobsled, getting frozen to my seat watching Ice Hockey, or eating a bad hotdog at the opening ceremonies? Probably slim or not at all.

But … there are 101 ways you can get hurt or sick at the Vancouver Olympics.  It’s nice to know for as little as $1-$2 a day you can get top-notch international travel insurance plan by calling Good Neighbor Insurance agents.  Doug Gulleson loves to scuba dive overseas. He makes sure he always takes his credit 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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