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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.
Who should buy travel medical insurance? That is a question many people ask.
If you are traveling within your home country, your domestic health insurance should already cover you. However, some health insurance companies in the US, especially the ones that provide HMO plans, may not cover outside their state. In that case, they can purchase trip insurance to cover domestically within the US.
However, if you are traveling outside your home country, you should definitely purchase travel medical insurance.
Some people think that their domestic health insurance will cover them abroad as well. Many domestic health insurance companies don't provide international coverage. Among the plans that do, many may have a limited coverage only. Additionally, your coverage would be considered out of network and you would be subject to higher deductible, coinsurance and out of pocket expenses. Also, you would only get paid usual, reasonable and customary charges which may be significantly lower than the actual expenses. Most importantly, it is rare that any domestic health insurance company would cover emergency medical evacuation.
Some credit cards provide some coverage related to travel. However, many provide coverage only for a certain types of emergency situations. Moreover, they may not provide medical benefits.
Medicare clearly does not provide health insurance coverage outside the United States.
So, what are some of the scenarios where travel medical insurance is highly recommended?
There are many countries where travel medical insurance is compulsory. If you are traveling to any of those countries, you don't have a choice and are required to purchase a travel medical insurance plan that meets their minimum requirements.
If you have family members visiting you from a foreign country, it is advisable to purchase travel medical insurance for them. They may not be aware of the high healthcare expenses in the host country. Moreover, if they were to unexpectedly fall sick or get injured, the burden may be on the host to bear the bills. Therefore, make sure to purchase visitors insurance.
If you are traveling abroad for a leisure or an extended vacation, you should highly consider purchasing travel medical insurance.
Business travelers typically travel throughout the year to many countries. Therefore, an annual multi trip travel medical insurance may be very helpful. They don't have to worry about purchasing separate insurance for every trip.
If you are traveling abroad for missionary work or to help others, it is very important that you plan ahead to protect yourself in case something goes wrong. It is very likely that you will be traveling to a remote region where healthcare facilities are very poor, if there are any at all. Therefore, adequate emergency medical evacuation coverage is mandatory.
While young and healthy students may not be too worried about getting sick or injured while abroad, their parents should really consider purchasing travel medical insurance for them. In many cases, students may have never been exposed to a foreign country before and incidents like food poisoning or slips and falls are very likely.
While purchasing the best travel medical insurance for your personal needs, or asking yourself the question "How much travel medical insurance do I need?", you should consider at least these few things:
While travel medical insurance provides many valuable coverages while traveling abroad, if you are looking for trip cancellation coverage, consider purchasing trip insurance instead. Trip insurance provides the coverage for prepaid non-refundable trip costs in case you needed to cancel your trip for covered reasons.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
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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