Since 2010, Christian Insurance Services has offered nothing but the highest quality insurance solutions at reasonable premiums; while accompanied by purposeful counsel and personalized service!
Due to high client demand, Christian Insurance Services officially added Travel Insurance as a primary insurance offering for our current clients and the general public.
The chart below represents the 6 big players in core protection coverages in the travel insurance niche. As you can see, IMG Global (our preferred, select carrier) offers great value and to us, great value has always been about not necessarily the cheapest price; but rather, having proper protection comparable to reasonable pricing.
Whether it pertains to life, disability, long-term care, annuities, medicare, and property & casualty insurance, we will always endeavor to partner with carriers that are strong financially, able to meet customer claim obligations, and have great service.
Critical Tips (Fine-Print Coverages) To Consider When Purchasing Travel Insurance:
- Is emergency medical excess or primary coverage type?
- Are emergency medical services claims considered in-network or out-of-network?
- Is emergency medical a direct pay or a reimbursement pay policy (Huge, because if you have to pay for emergency surgery abroad and if your credit card limit cannot cover the potentially huge expense of this unexpected life-saving surgery; it might mean you have to liquidate retirement assets (i.e. IRAs, 401K, etc) in order to be able to make a payment for services wired to a hospital or doctor in the country you are in
- Does the emergency medical cover pre-existing conditions?
- Does Medicare Advantage or Traditional Medicare w/ Supplement cover any international medical services?
- Does your domestic small group or individual health insurance cover international medical and if so does it become primary or excess insurance?
- Are there any provisions for you to cancel your travel policy for any reason?
- Is there a 24/7 Travel Assistance Hotline (Is there an Embassy or Consulate Referral service as well)?
- Is there medical emergency evacuation coverage?
- Is there political or security event and natural disaster evacuation coverage?
- Is there a search and rescue coverage provision?
- Is there robust trip/investment protection? (Cancellation, Delay, Interruption, Baggage Delay, Lost Baggage & Personal effects)?
Chances are if you have not considered the most basic travel insurance coverages (Like those in the comparative chart above) along with the fine-print protection nuances (Numbers 1-12 above), you purchased your last international travel insurance from a tour guide, travel agency, cruise line or third-party vendor (like Orbitz, Travelocity, Kayak, Pirce-Line, etc.), that typically have limited knowledge about protecting health and assets while overseas.
Whether you are planning a vacation abroad, going on a short or long-term mission, taking a cruise, or know a loved one who is planning on traveling?. . . . Whatever your need for international travel might be….we have you covered!
Give us a call for counsel or a free no obligation quote.
