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Planning a Long Trip? What Expatriates Need to Know Thumbnail

Planning a Long Trip? What Expatriates Need to Know

There has been a lot of talk—and even some action—in recent days about people wanting to move outside the US. Our tumultuous election cycle has inspired people from all walks of life and political leanings to at least consider the idea of emigration. For example, on election night, a high volume of visitors crashed Canada’s immigration website and New Zealand’s official immigration site saw over 56,000 visits in just 24 hours, compared to its usual 2,300 visits. Perhaps, for some, emigration is more than an impassioned threat.

If you’re seriously considering moving abroad, before you pack your bags or sign your resignation letter, we at Insurance Services of America suggest you consider your health insurance options once you leave American soil…

Many of our clients are volunteers and missionaries who live, for the majority of the year, outside of the US. In essence, they have been living an expat lifestyle while doing their philanthropic work. Though many are employed through US-based organizations, many are responsible for procuring their own health insurance coverage. But finding an insurance plan that also covers medical expenses for illnesses, injuries or wellness visits overseas and is also compliant with the Affordable Care Act (ACA) is impossible—such a plan simply doesn’t exist.

Whether you love or loathe the ACA, the fact is, this legislation did not take into account people like our clients—or expats—who work, live and need health care outside of the US.

So what are your options? Read More »

Road Accidents Pose Biggest Threat Overseas Thumbnail

Road Accidents Pose Biggest Threat Overseas

This past weekend, 26 Boston University students studying in New Zealand were involved in a fatal three-vehicle collision. Sadly, three of those students lost their lives in the tragic accident, while one of the student drivers was air lifted to a hospital for treatment of life-threatening injuries. As reported in the Huffington Post,

The school said 26 students were traveling in three vans on their way to walk the Tongariro Crossing, a hike across a volcanic crater that is rated as one of New Zealand’s most spectacular. One of the minivans drifted to the side of the road around 7:30 a.m., then rolled when the driver tried to correct course near the North Island vacation town of Taupo, New Zealand police said….Study abroad program executive director Bernd Widdig called the deaths were the worst tragedy to hit the program since it began in the 1980s.”

More than any other cause of injury or fatality, road accidents pose the biggest threat to American travelers. According to a USA Today analysis: Read More »