|
|
|
How To Create Your Own Travel Discounts!
Why not take the initiative and find your own ways to cheap
travel by making your own discount? As you know, hotel and
rental car owners don't just offer you discounts at random.
Usually, they offer discounts during off-peak seasons. As a
savvy...
Savings for Business Travelers
With hotel prices soaring and London losing its affordable hotels to demolition and refurbishment as parts of big hotel chains, business travelers are often forced to pay premium prices for a hotel room. Many companies have found a simple and more...
Travel Tips: Preparing For A Vacation In Africa
There are many new and exciting things to see in Africa. There is no way anyone could possibly see everything there is to see in one trip. This is why travelers need to decide exactly what they want to see before taking their trip so they can book...
Traveling in Germany
When deciding to take a vacation to a western country, I
recommend Germany. It has various landscapes and very nice small
towns and big cities.
This country is, of course, to big to travel all at one time but
with a trip of about one month,...
Traveling To Eastern Europe
Eastern Europe offers you many opportunities to see parts of the Old World that have not been spoiled by Western commercialism. There are lakes, forests and cultures that have not yet been Westernized. Poland is a particularly attractive tourist...
|
|
| |
|
|
|
|
|
|
Japanese Overseas Travel Insurance
If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.
Some of the Japanese overseas travel insurance options include not only trip or annual medical emergency coverage for travel but also disability insurance, personal liability coverage and term life insurance. Japanese overseas travel insurance's medical coverage with some plans offers full (100 percent) reimbursement for prescription medicine, medical care for diagnostic purposes, hospital stay and even surgery. You'll also be covered in case of terrorism and an evacuation to your home residence in the event of medical or terrorist emergency.
One firm whose Japanese overseas travel plan we perused offered coverage for those over 80 years old, difficult to find. The minimum coverage time period for this plan is one week (seven days) with a one-year maximum, although it can be renewed for a total of three consecutive years of coverage. Coverage varies according to your age. You must be at least two weeks old for any coverage. If you are under 70 years of age you can choose coverage limits that range from $50,000 to $1 million. Folks between 70 and 79 are excluded from coverage that exceeds $50,000, while those 80 or older can only be covered to a maximum of $10,000.
Let's look at a couple of quotes to see the variation in cost for age, children, number of travelers, and participation in sports. We'll also look at the cost for non-U.S. citizens. The first quote is for a single U.S. resident 18-29 years of age traveling along for one year and not wanting the rider for sports coverage. A $1 million ceiling for Japanese overseas travel insurance coverage, with a $250 deductible, is $576. Reducing the ceiling doesn't seem like nearly as good a deal - the premium is $504, although increasing the deductible to $1000 reduces the cost to $403.20. That same Japanese overseas travel insurance coverage for non-U.S. citizens is several hundred dollars more.
For a couple both 30-39 years old with two children traveling with them, Japanese overseas travel insurance does not come cheap. Assuming U.S. residence and a $500,000 ceiling with $500 deductible the hefty price tag for this coverage is $1814.40. While this may seem excessive, consider the cost of medical coverage for one or more of you, or for emergency evacuation. You'll probably come to the conclusion that Japanese overseas travel insurance is inexpensive as compared to the alternative.
About the Author
Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit http://www.1-Happy-Traveller.com
|
|
|
|
|
|