Travel Insurance – Does it Cover Events of Terrorist Attacks

Posted on 25 December 2008 in Uncategorized by admin

It may seem to be an odd concern in relation to travel of the question of how your travel insurance does or does not protect you in the case of terror and terror attacks.

It can be said that overall your chances of being affected by a terror or terrorism attack are remote. This is true. However there may be additional effects of a terrorism attack not only on the direct victims but on travelers who are in the country of the place of attack or even other countries.

You, your travel companions or even the country that has the attack may not directly lie in your path. Yet your trip either at the point of destination or even way by points may be directly affected. You need not have been in Mumbai or even India itself to have had your travel plans greatly affected.

For example your medical treatment may have been assigned a certain date and yet due to the attacks you find that all air travel are grounded.

Does your travel insurance cover such for events for cancellations or delays? Are additional hotel and travel costs covered? Will any replacement travel fares or future trips for this purpose assigned covered or will it all come under the clauses of “not covered due to acts of war or terrorism “or some other “acts of …” coverage.

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Valid Concerns and Issues Involving Medical Tourism

Posted on 28 February 2008 in Uncategorized by admin

There are a number of valid concerns regarding medical tourism that should be addressed before medical and procedure as well as travel plans are put into place.

In many cases the reasons for choosing medical tourism and having a medical or surgical assessment or procedure done outside your home catchment area involve questions of cost and economy. In other cases its to get the procedure done more rapidly ( to jump the que) . In the cases of a business person they can often more than justify costs spent in terms of return on their income – not being disabled or inconvenienced by a surgically repairable illness or to linger with a given medical condition. In other cases the procedure may be done away from home for reasons of privacy and confidentiality.

Remember that in the end its your health and life that is on the line. Unless standards and what one might call”workmanship”- in both technical expertise of the medical staff – including doctors , specialists , nursing and hospital staff etc, is not up to “snuff” , then the whole exercise will be a wasted effort , false economy. Potentially it can even be a tragic or even lethal result for yourself or members of your family.

First of all remember that traveling abroad to get medical care goes both ways. The door swings in both manners. When among the most wealthy in the world , say for example oil sheiks , need medical care , the choice , more often than not , are prestigous American medical and hospital facilities such as the Mayo Clinic or Rochestor Minnesota , or John Hopkins in Baltimore Maryland. The United States and its medical system is a very common and standard destination for people of means and wealth who seek what they perceive and regard as the very best care in the world for particular health problems and concerns. Indeed for these people of wealth and/or power , money is of no object – its the highest level of health care that they seek.

Medical tourism is not new. While the term “medical tourism ” may be of recent origin the whole idea of traveling abroad to seek less expensive or more rapidly available medical care is not. Some can even trace the original concepts and practices of what we now regard with the standard term of “medical tourism” all the way back in history to the ancient Greeks.

It all sounds great . Medical tourism seems on the surface to be a win-win situation for those patients and customers who wish to avail themselves of these services. The patient gets served and serviced. They get their medical needs taken of at less cost , or quicker. In the process they both save money , have their procedures completed. On top of that they may have a “free” enjoyable vacation and may reside in hospitals with decor , food and service levels akin to that of a 5 star hotel.

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