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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Overseas travel insurance is important for anyone traveling abroad. In some cases, international travel insurance is a mandatory requirement made by the government of your intended destination.
Traveling abroad can be exciting and fun. You get to experience different cultures, new cuisine and can see the tourist attractions overseas; it will give you a different perspective regarding the lifestyle of other cultures. Many travelers spend a lot of time researching their destinations and making travel arrangements with airlines and hotels, but not much thought is given to the best overseas travel insurance. Some of those travelers simply buy whatever their travel agent signs them up for when they purchase the airline tickets. Unbeknownst to many, there are many overseas travel insurance plans and travel health insurance plans with a variety of benefits available. Before settling on the first thing suggested to you, it is the best to research overseas travel insurance plans by comparing the benefits and the prices to make sure you are purchasing the one that is the most suitable for you.
Even though each plan varies in exact details, overseas travel coverage would usually provide the following types of benefits:
Many people mistakenly assume that their domestic health insurance will provide adequate coverage while traveling abroad. The truth is that while many domestic health insurance plans may provide some foreign coverage during trips abroad, the deductible, coinsurance and out of pocket costs will be much higher; moreover, it will not provide coverage for emergency medical evacuation or repatriation of remains. Another important consideration is domestic companies are not accustomed to dealing with healthcare providers in foreign countries; as a result, foreign travel insurance is highly recommended.
Even if the country you are visiting has nationalized health care, it will be available only to its citizens and residents, not to the tourists. Not having the best travel insurance for your needs could be disastrous. Overseas travel insurance coverage is a necessity during trips abroad.
Foreign travel insurance plans come in several different categories:
The focus is on the medical costs when traveling abroad.
If you are planning to partake in any hazardous activities such as snow skiing or mountaineering, make sure that the insurance plan you purchase covers it. Many plans exclude these type of pursuits and some plans will provide coverage at higher cost.
Always purchase travel medical insurance from a U.S. based company. Some foreign based insurance companies provide frivolous benefits such as hijack distress allowance or lost golf rounds allowance, but really fall short when you need emergency medical treatment in a foreign country.
If you are taking frequent short trips abroad, you can purchase annual multi-trip travel insurance and you will be covered for any number of trips, provided each trip duration does not exceed 30 days or 45 days, depending upon the plan.
If you would like to insure your prepaid, non-refundable trip costs in addition to getting emergency medical coverage and other travel related benefits, you can consider purchasing trip cancellation insurance. The price primarily depends upon the trip cost and age. Whether you are traveling for 4 days or 30 days, the price is the same; for trips over 30 or 31 days, the premium is higher. Trip insurance plans are typically not suitable to those traveling abroad for 4 to 6 months. Also, please note that not all trip cancellation insurance plans provide medical coverage.
Don't let an something unexpected ruin your trip overseas when you have spent so much time planning your venture. Purchase travel insurance to protect yourself and make it a worry free trip.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More