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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.
Travel medical insurance provides medical coverage for unforeseen medical conditions, injuries or accidents that may occur while on your trip. Depending on the insurance company, it is also called travel health insurance, international travel insurance, international medical insurance or worldwide medical insurance.
Traveling abroad can be exciting and fulfilling. Many people plan for their foreign vacations and trips months in advance. People may also do research about famous tourist places to visit, what to wear, where to eat, souvenirs and more. However, without proper travel medical insurance, if they were to get sick or injured in a foreign country unexpectedly, medical bills may be significant.
Many people mistakenly think that their domestic health-insurance plan will cover them abroad as well. The fact is that most domestic health insurance plans, even if they provide any coverage, will limit what they cover, and the expenses would be considered out of network. That means higher copay, deductible, coinsurance and out-of-pocket expenses. In any case, they will not provide the important coverage necessary while traveling. Medicare does not provide any coverage outside the United States.
Travel medical insurance is helpful to anyone traveling abroad including but not limited to vacations, parents or relatives visiting from a foreign country, anyone going on a tour or cruise, international business travelers and students studying abroad.
Travel medical insurance can help you with high medical bills and high out-of-pocket medical expenses. Travel health insurance companies are also experienced in navigating the foreign health system in various parts of the world in different languages.
The cost of travel medical insurance depends on several factors.
Travel medical insurance will cost more for older people than younger people.
As travel medical insurance prices are typically per day, insurance for longer trips will cost more compared to the shorter trips.
The price to include the United States in the coverage area would cost more than excluding because the cost of health care is extremely high in the United States.
There are other factors such as policy maximum, deductible and whether you purchase any additional riders such as hazardous sports coverage, liability coverage and others.
Even though the exact price varies on the above factors and the plan you choose, the plans cost anywhere from about $1 a day to $3 per day.
Travel medical insurance is typically cheaper than trip-cancellation insurance.
Unlike trip cancellation insurance that is focused on protecting your prepaid, nonrefundable trip costs, travel medical insurance is primarily focused on medical coverage, as the name suggests. You can purchase it for any duration from five days to one year, and some plans even allow renewing for up to three years. Various combinations of medical maximum, ranging from $25,000 to $8,000,000 are available and numerous deductibles, ranging from $0 to $5,000, are available to choose from.
In addition to the medical coverage, travel medical insurance also provides emergency medical evacuation. If you get seriously sick or injured in a remote area where excellent medical facilities are unavailable, it will help make arrangements to evacuate to a hospital where an adequate care can be given.
No one would like to think about passing away while on vacation. However, in such an unfortunate event, travel medical insurance can either pay for local cremation or for sending your remains to your home country. This could be immense value to the family.
Many travel medical insurance plans also provide coverage for trip interruption, accidental death and dismemberment (AD&D), baggage loss and emergency assistance. Dental coverage is typically provided only for an injury to sound natural teeth in an accident.
Most travel health insurance products don't cover hazardous sports such as bungee jumping, skydiving, zip lining, snow skiing and so on. Therefore, you should purchase optional coverage at a higher price if you are planning to engage in any such activities.
Even though purchasing travel medical insurance is not mandatory for many destinations, it is always advisable to do so.
However, if you need a Schengen visa for a trip to Europe, you will need a compliant Schengen visa insurance. If you are traveling to Cuba, Cuba travel insurance is mandatory as well.
Additionally, exchange visitors traveling to the USA must purchase compliant J1 visa insurance that meets U.S. Department of State requirements.
As there are many travel medical insurance plans available, it is best to get instant quotes from various products, compare them side by side and make an immediate purchase online. You can do all of that right here on this website. For any help in selecting the most appropriate travel medical insurance plans, please feel free to contact us during our regular work hours.
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