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Our Vote Goes To…

It’s hard to know you’re making the best choice sometimes. Thankfully, unlike too many past elections, we at Insurance Services of America offer you great candidates to choose from—

When it comes to group travel medical insurance, we’ve nominated only the most qualified, vetted and intelligent of options. No scandals. No flip-flopping. Just honest insurance coverage backed by the world’s oldest and largest health insurance market, Lloyd’s of London, and highly rated by AM Best and Standard and Poor’s. So who are these stellar candidates? Meet them and cast your vote for the one you like best!

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Medical Evacuation from Haiti

Medical Evacuation from Haiti

Most of us are aware of the devastating Haiti earthquake of January 2010. Now, six years and several deadly storms later—including the most recent Hurricane Matthew—the country is still in desperate need of humanitarian, financial and rebuilding aid. But even prior to the earthquake, this impoverished island nation was a popular destination for the humanitarian and church organizations we at Insurance Services of America regularly insure.

One such organization, Bettendorf Christian Church in Iowa, sent a small group of women to Haiti on a mission trip. Not long after their arrival, the earthquake rocked the country and badly injured one of the church’s volunteers. Peggy Wilson suffered a punctured lung and broken ribs when an 8-foot wall fell on her.

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Buckle Up and Don’t Forget to Pack Your AD&D Insurance

The United States’ Centers for Disease Control and Prevention (CDC) ranks deaths resulting from accidents as the fourth leading cause of death for US citizens. Accidents include everything from car accidents, to falls and drowning. But US citizens traveling or living abroad also experience devastating accidents—those that kill or maim—at rates that shouldn’t be ignored.

The US Department of State shows that, sadly, between June 2003 to June 2016, there were at least 10,883 reported deaths of US citizens due to non-natural causes overseas. Of those fatalities, 29.5% were the result of vehicular accidents; 22.3% from homicides and terrorist actions; 15.7% from other accidents including train and aircraft accidents, natural disasters as well as falls, mountain climbing accidents and rafting; and 14% from drowning and maritime accidents. Read More »

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Our Client’s Heroic Navy SEAL Rescue

Dr. Dilip Joseph, a client of Insurance Services of America, realized his life’s dream to provide overseas humanitarian aid when he became the Medical Director at Morning Star Development. In 2012, the Colorado-based organization sent Dr. Joseph to remote, war-torn villages in Afghanistan on a humanitarian mission. The rewarding work was not, however, without its dangers…to say the least.

On a cold December morning in 2012, while traveling to Kabul, armed Taliban soldiers intercepted and kidnapped the doctor and two native colleagues. In his riveting account, Dr. Joseph shares the horror and ultimate triumph of his ordeal in his book Kidnapped By the Taliban: A Story of Terror, Hope, and Rescue by SEAL Team Six (available at

The kidnapping and resulting hostage situation necessitated the deployment of special Navy SEAL Team Six, which only months before had successfully pulled off one of the most famous operations in US combat history: the capture and execution of Osama Bin Laden. The mission was dangerous, true, but Ed Byers, Senior Chief Special Warfare Operator (SEAL/FMF/SW), was prepared to fulfill his duty to rescue Dr. Joseph.

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Insurance Services of America Awarded Best of Gilbert 2016

Insurance Services of America Receives 2016 Best of Gilbert Award

Gilbert Award Program Honors the Achievement

GILBERT June 9, 2016 — Insurance Services of America has been selected for the 2016 Best of Gilbert Award in the Business Services category by the Gilbert Award Program.

Each year, the Gilbert Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Gilbert area a great place to live, work and play.

Various sources of information were gathered and analyzed to choose the winners in each category. The 2016 Gilbert Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Gilbert Award Program and data provided by third parties.

About Gilbert Award Program

The Gilbert Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Gilbert area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

The Gilbert Award Program was established to recognize the best of local businesses in our community. Our organization works exclusively with local business owners, trade groups, professional associations and other business advertising and marketing groups. Our mission is to recognize the small business community’s contributions to the U.S. economy.

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Travel Insurance for Visiting the United States of America


Summary regarding the need for travel insurance when you visit the USA. Your own health plan will likely not cover you if you suffer an accident or need routine medical treatment.

Things to Consider When Purchasing Travel Insurance for the USA

When traveling to the USA, it’s unlikely that your own medical insurance will cover you should you find yourself in a situation where you need to use it. To alleviate this concern, it’s wise to purchase a type of holiday travel insurance that will cover any unexpected illness. If you are immigrating to the United States, this insurance is even more important.

Medicare & Medicaid for Immigrants

In most situations, immigrants to the United States are not immediately eligible for state or federally funded insurance coverage. Some require you to already have a green card. Others mandate certain income, residency or citizenship requirements before you may be eligible. Depending on your unique situation, you may not be eligible for any program for quite some time. Travel insurance can help bridge the gap until you are eligible for other options.

Types of Insurance Available

Things you should consider when purchasing travel insurance include the type of coverage and where providers are located. It’s not helpful to purchase a plan that only covers catastrophic accidents or only has providers in major cities if that’s not where you plan to visit. You’ll also need to look at the dates of your coverage and whether or not you have the option to extend it, should that be necessary. Finally, the cost of coverage is important. You need something affordable that will provide the degree of coverage you need for both minor and major medical issues.

Cost of Travel Insurance

The cost of travel insurance will vary a great degree. Sometimes it will depend on the traveler’s age, the type of plan chosen and the plan coverage limit. The cost of this insurance may also include other accident issues such as if the airline loses your baggage or if you miss a connecting flight. Before signing up for a plan, make sure that you read the fine print and understand what the cost covers and what it does not.

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Travel Overseas Safely with International Travel Insurance


Many Americans travel overseas for pleasure or business, but what if disaster strikes and emergency medical treatment is needed? Fortunately, there are emergency and urgent care insurance plans available for these incidents.

Insuring Yourself for International Travel

Americans love to travel. Venturing to a new destination and seeing new sights is an exciting aspect of going on a new journey. Even so, there are accidents and injuries, sometimes fatal, that can occur. Having international travel insurance is one way to assure that your family has adequate protection while outside of the country.

Convenient Coverage for Clients

With insurance for international travel, there are a variety of clients who can benefit from sound protection and services. For example, those traveling to developing countries for mission trips may be traversing dangerous territories, such as war zones and other unstable locations. With a high incidence of automobile accidents and terrorist attacks, knowing that you and your loved ones have insurance for traveling provides added peace of mind. Moreover, those who make trips for both business and holidays can be covered by an urgent care package, as there are always risks of injuries or other harm. Even a short stay abroad could result in something disastrous, and international destinations may make you feel less certain of your protection.

With a comprehensive emergency or urgent care insurance package, you can know that your well-being will not be compromised regardless of the distance between you and your home. What is more, there are high limit caps for this solution, which helps to assure people that even the most endangered trip will not cost too much.

Providing Protection for Plenty

There are several other individuals who can take advantage of overseas travel insurance. For instance, there are some high-risk jobs that are sometimes outsourced to overseas locations, such as fishermen, aircraft pilots, and outdoorsmen. These jobs already hold their own dangers; yet being in a faraway place can cause increased anxiety over protecting oneself. Fortunately, being insured with a plan like this is key to protecting your well-being.

Don’t Let the Possibility of Danger Ruin Your Travel Plans

Ensuring that both you and your family members receive the required attention is crucial. You do not need to let the possibility of catastrophe leave you dreading your traveling plans or even canceling them altogether. With careful planning and preparation, you can set out to foreign lands with the comfort and advantage of a stable solution for insuring yourself.

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Make Your First Trip to America More Fun with Some Simple Tips

Planning your first trip to America can seem daunting and may leave you feeling confused. With some basic travel tips and trip planning ideas, you can have a better experience.

How to Have the Best Time in America

A first time trip to the United States might leave you feeling overwhelmed. You will likely feel homesick and miss your family and friends back home, and you may find yourself facing problems you never expected. Using some simple travel tips lets you worry less and enjoy your visit more.

Make a Plan

You only have a limited amount of time to see everything you want to see, which is why you need to make a plan before you arrive. Whether you spend time in New York City, California or the heart of the Midwest, you can write down a list of things you want to do and experience. That list may include seeing a Broadway show, visiting an art museum or watching a baseball game. Sticking to the list helps you keep track of everything you want to experience.

Plan for Emergencies

While you can’t plan for all types of occurrences, you can plan for medical emergencies when you buy travel medical insurance. This type of insurance can cover visits to an emergency room, doctor’s appointments and even dental visits. If you come from a country with universal health care, it’s especially important that you buy travel medical insurance. Some clinics and hospitals may require upfront payment before treating you.

Enjoy Yourself

Though you do need to plan some aspects of your trip, it’s important that you don’t stick to a specific itinerary or schedule. The unexpected can always happen. You might win tickets to a concert, find a museum you never heard of or make friends with locals who want to show you some off the beaten path attractions. If you stick too closely to your schedule, you might miss out on some great things.

With hundreds of larger cities and thousands of smaller towns, America really does offer something for everyone. Have fun on your visit and make sure to enjoy your trip.

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Keep Safe While Backpacking Through the U.S.

It can be intimidating to trek through a foreign country, but taking measures to keep yourself safe and secure can make it a positive and enlightening experience. From the clothing you wear to the valuables you carry, decisions you make will affect your travels.

Backpacking Through the USA: How to Keep Safe

An effective way to experience a foreign culture is to immerse yourself within the society, and the United States boasts many unique cultures and landscapes. No matter if you’re headed to the Appalachians or the Mojave Desert, you should take precautionary measures in order to remain safe. The following tips may help you to be prepared for anything.

Safety and Security While Traveling

Travel in populated areas and avoid isolated locations. In the event of an emergency, you are more likely to receive assistance with people around. It may also be a good idea to resist traveling at night.

Always be aware of your surroundings. Even though an area may look safe, it could still pose a threat to your safety and security. Many people had bags and suitcases stolen even when these were placed right next to the individual.

Know the area you’re traveling through. Contacting your local government or researching the location online can help reveal risky areas to avoid for nearly any location around the world. Accustom yourself to emergency facilities of the area and places to rest.

Keeping Your Valuables Hidden

One way to avoid being a victim is to not look like one. Keep your valuables hidden from view and utilize secret compartments within clothing and your backpack. This will reduce the temptation of others because it will look as if you have nothing of value.

Use disposable phones while traveling. In the event you lose the device, the impact to you financially and emotionally is reduced. Prepaid units work extremely well since you don’t invest a great deal of money up front.

Protecting Yourself While Abroad

One of the most important aspects to consider before backpacking through the USA is by investing in overseas health insurance. If you become ill or injured, this can help you get back on your feet. Take measures to ensure you have a safe travel and you can reduce the complications that may arise while on an adventure like backpacking.

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4 Reasons to Get Winter Travel Insurance When Traveling to The U.S.

Although the West Coast of the United States seems to be almost immune to winter weather, this is not the case for much of the rest of the U.S. Much of the East Coast is already blanketed in several feet of snow with another blast of Arctic weather on the way. If you are planning to travel abroad to the U.S., winter travel insurance can ensure you are not stuck out in the cold if weather interrupts your travel plans. Here are 4 reasons to get winter travel insurance.

1. Reimbursements

Although you may be able to plan most aspects of your winter trip to the U.S., weather is often unpredictable. A winter travel insurance policy can help you cover any expenses incurred if your trip is delayed. This can cover reasonable travel expenses including accommodations, meals, and transportation until travel becomes possible.

2. Travel investment protection

Oftentimes when booking a vacation, you may be required to make a deposit to secure your room or buy non-refundable tickets. In the case that your vacation is delayed or cancelled at the departure point, winter travel insurance can help. A policy can provide coverage if your trip is cancelled due to a covered reason such as severe weather. You can receive reimbursement for any pre-paid, forfeited and non-refundable trip costs up to your selected limit of coverage.

heavy snow accumulations

3. Assistance

After all of the preliminary planning it took to get your vacation underway, it can be frustrating if something such as weather causes delays or cancellations. Most winter travel insurance policies include valuable assistance services. These services will work with airlines on your behalf to find and book a new flight to help get your U.S. vacation underway. This will help alleviate some of the stress of a delayed or cancelled trip.

4. Late purchase

If you have done your due diligence and checked weather forecasts for anywhere you are planning to travel on your vacation, you may think you don’t need winter travel insurance. While this may be the case, many of the severe winter storms that have been affecting the eastern and southern U.S. this winter, have been relatively quick forming.

plane on snow covered runway

Most winter travel insurance providers will allow you to purchase a policy up to 24 hours before a severe winter storm warning or watch is issued. This means if you have a vacation planned and it looks like a storm is forming where you are going, you can still purchase a policy as long is it is at least 24 hours in advance of any watches or warnings.

Even if a policy is purchased after the 24 hour watch and warning window, you will still be able to take advantage of most of the services offered by your policy provider.


The U.S. is a great place to visit in the winter, as long as you take measures to ensure severe winter weather doesn’t cause delays or interruptions. If you are interested in learning more about winter travel insurance or overseas health insurance, contact Insurance Services of America at (800) 647-4589 or 01 (480) 821-9052 today.