If you go on tour, the shenanigans should stay on tour...
Unless you get hurt.
Rucking Insurance Services is the ONLY brokerage in the States that can give some medical cover for an amateur rugby team touring overseas... cool, huh? (Group Rates only, no individuals...sorry.)
But, if you're not on tour, do you think you'd need travel insurance?
Think again.
If it was less than $2/day/human for you and the kids on a cruise, think that'd be worth it?
Showing posts with label overseas rugby tour insurance. Show all posts
Showing posts with label overseas rugby tour insurance. Show all posts
Tuesday, February 21, 2012
Wednesday, September 21, 2011
Possible Changes to Travel Medical
Be aware of possible changes to Travel Medical. They're thinking of imposing a $5-10,000 limit on organized sports. I say y'all would pay more... thoughts? (It's currently under $2US/day/player for a tour group...)
Tuesday, September 20, 2011
Why ATLAS' Travel Insurance is AWESOME
From my boys over at ISABrokers.com
Adam (our VP) has asked me to give testimonial and I’ll be elated to provide you my brief personal overseas incident…
A lot of US plans will overlook some “key” benefits. If
that US (individual or group) policy is specifically designed to
include overseas medical expenses or has a special provision to do so,
then most likely everything should be fine. If that policy isn't
designed to handle overseas medical expenses, however, then that's where
we come in.
Because our policies are tailored for the special situations encountered during international travel at cost effective rates, they cover the things that most domestic policy often doesn't even consider. I know this from personal experience.
In
2006 I visited Vietnam and contracted a case of spinal meningitis—a
life-threatening infection of my brain and spinal fluid. I almost died
on that trip and had to be air evacuated to a hospital that could help
me.
At
the time, I had a BlueCross BlueShield policy at home in the US, but
discovered—before my trip, thankfully—that overseas benefits were
extremely limited and should an emergency happen I would be expected to
pay the lion's share of the costs. So I purchased a travel medical
policy before I left, just in case.
My policy covered key expenses that my BlueCross plan didn't even consider:
1. My medical evacuation. The average cost for an air evacuation is between $15,000 and $50,000 and I have seen instances where it's as high as $1 million. My BlueCross BlueShield plan would have reimbursed me a portion of the cost of the air evacuation, but that would have meant I would have had to paid the full amount out of pocket at the time I was evacuated. My evacuation cost was over $10K. Thankfully, my travel medical insurance covered the entire cost outright.
2. Translation services. Since my doctors didn't speak English, my travel medical insurance covered the cost of a certified translator—a cost that my BlueCross plan would not cover.
3. Repatriation of mortal remains. Thankfully, I didn't die on my trip, but had I, the average cost to bring my body back to the US would have been between $5,000 and $20,000. My travel medical plan would have paid this cost in full; my BlueCross plan would not cover this.
4. Emergency reunion. My travel medical policy would have paid to fly one of my immediate family members to my hospital bedside; BlueCross would not have covered this cost.
1. My medical evacuation. The average cost for an air evacuation is between $15,000 and $50,000 and I have seen instances where it's as high as $1 million. My BlueCross BlueShield plan would have reimbursed me a portion of the cost of the air evacuation, but that would have meant I would have had to paid the full amount out of pocket at the time I was evacuated. My evacuation cost was over $10K. Thankfully, my travel medical insurance covered the entire cost outright.
2. Translation services. Since my doctors didn't speak English, my travel medical insurance covered the cost of a certified translator—a cost that my BlueCross plan would not cover.
3. Repatriation of mortal remains. Thankfully, I didn't die on my trip, but had I, the average cost to bring my body back to the US would have been between $5,000 and $20,000. My travel medical plan would have paid this cost in full; my BlueCross plan would not cover this.
4. Emergency reunion. My travel medical policy would have paid to fly one of my immediate family members to my hospital bedside; BlueCross would not have covered this cost.
As
you can see, international travel brings with it special situations
that domestic health insurance plans aren't designed to handle. I pray
nothing life-threatening happens to you while you're in Ireland, but in
case it does, I want you to be prepared.
So I recommend our Atlas Travel (individual short trip plan) or other ISA’s plans for groups or individuals…I hope this helps
AARON BATES
Client Advisor and Plan Specialist
INSURANCE SERVICES OF AMERICA
Monday, August 22, 2011
Rugby Tours: If you're headed to the World Cup...
If you're headed to the World Cup, I hate you. (I'm taking my son to Japan in 2015.)
Anyway, if you're worried about crossover in the healthcare systems, try the Atlas plan for less than $2/day in most countries. Make sure you add the Hazardous Sports Rider if you're actually playing Rugby, and not just drinking/watching matches.
Go Eagles!
Anyway, if you're worried about crossover in the healthcare systems, try the Atlas plan for less than $2/day in most countries. Make sure you add the Hazardous Sports Rider if you're actually playing Rugby, and not just drinking/watching matches.
Go Eagles!
Wednesday, June 15, 2011
An Italian, living in the USA, sends his son to France to Play Rugby...Still needed travel insurance!
Italy has universal health care, or socialized medicine, or whatever you want to call it.
So does France. (Even thought, I technically don't believe in France)
Anyway, in the USA we have universal health CARE, just not universal health INSURANCE.
Now, the Italian Dad explained that his Italian son (born there, not here) would be covered by the Italian system, but it would be only on a reimbursement basis. The French system would expect payment upon services.
Through the ATLAS plan, at less than $2/day/player, $50,000 in cover with $0 deductible solved that problem.
See, even in "civilized" countries, the need for insurance exists.
Essai!
So does France. (Even thought, I technically don't believe in France)
Anyway, in the USA we have universal health CARE, just not universal health INSURANCE.
Now, the Italian Dad explained that his Italian son (born there, not here) would be covered by the Italian system, but it would be only on a reimbursement basis. The French system would expect payment upon services.
Through the ATLAS plan, at less than $2/day/player, $50,000 in cover with $0 deductible solved that problem.
See, even in "civilized" countries, the need for insurance exists.
Essai!
Friday, April 01, 2011
Tuesday, February 08, 2011
Ever Get A Pizza Delivered? Chinese? A Rugby Team?
By the by, I actually had a Rugby Team delivered, to a "Cultural Dance Center", in Oklahhoma.
Anyway, if you own such a business, I suggest that you read this.
Also, I think any business owner should be a regular reader of Paperless Insurance's Business Blog.
Anyway, if you own such a business, I suggest that you read this.
Also, I think any business owner should be a regular reader of Paperless Insurance's Business Blog.
Wednesday, August 11, 2010
Why (MOST) Insurance Agents don't want your business...
When I was asked to move into the forwards, hooker specifically, I was quickly told that I was too small...
"So, how do I get bigger?" Tarzan taught me the BFS system, and I worked hard. Very Hard.
(These days, I use crossfit.com)
With Insurance Agents, they'd like for you to work really hard, get BIG, then buy the policies they are hocking. They don't want to "waste their time" on the small guy. Instead, they all troll for the same dissatisfied guy looking for a new agent. Problem is, if the client is dissatisfied now, chances are that he's normally pissed, and you're just the next to get the abuse.
Pricks.
To me, no business is too small. I starting this gig making about $6/month on policies. A Hundred customers wouldn't cover my rent.
But I kept going. I worked hard. I built and grew with Rugby.
I was small, health insurance only. Now, I write health, accident, employee benefits, life, disability, business, sports leagues, sports teams, travel insurance, professional athletics, and professional liability.
I'm so grateful for this Sport and this business. I'll talk to any Rugby player about any kind of insurance.
Nothing is too small... except me at Hooker.
"So, how do I get bigger?" Tarzan taught me the BFS system, and I worked hard. Very Hard.
(These days, I use crossfit.com)
With Insurance Agents, they'd like for you to work really hard, get BIG, then buy the policies they are hocking. They don't want to "waste their time" on the small guy. Instead, they all troll for the same dissatisfied guy looking for a new agent. Problem is, if the client is dissatisfied now, chances are that he's normally pissed, and you're just the next to get the abuse.
Pricks.
To me, no business is too small. I starting this gig making about $6/month on policies. A Hundred customers wouldn't cover my rent.
But I kept going. I worked hard. I built and grew with Rugby.
I was small, health insurance only. Now, I write health, accident, employee benefits, life, disability, business, sports leagues, sports teams, travel insurance, professional athletics, and professional liability.
I'm so grateful for this Sport and this business. I'll talk to any Rugby player about any kind of insurance.
Nothing is too small... except me at Hooker.
Thursday, July 29, 2010
Saturday, May 01, 2010
Pissed about Arizona's new law... Really?
I love my travel/tour insurance company HCCMIS. Now, they've just expanded their provider network. So, since they aren't constrained by the LUNATIC laws in each state, they can provide simple, basic cover, and have a hazardous sports rider for we Rugby players, CHEAPER THAN ANY US BASED INSURANCE COMPANY.
So, a non-citizen in the US can better and cheaper health insurance than you can...
Pissed yet?
Remember, health insurance is screwed up because of the LAW, and health care costs rise because the GOV'T will pay any invoice you send them.
Here's the update from HCCMIS:
So, a non-citizen in the US can better and cheaper health insurance than you can...
Pissed yet?
Remember, health insurance is screwed up because of the LAW, and health care costs rise because the GOV'T will pay any invoice you send them.
Here's the update from HCCMIS:
Effective May 1, 2010
HCC Medical Insurance Services (HCCMIS) will begin utilizing CMN for all PPO Network Administration worldwide including the US and Canada. CMN offers the same services as our previous administrator in addition to a large international network of providers. This partnership will offer the following advantages to HCCMIS customers starting May 1, 2010:
- Larger international and US PPO network
- Online tools to help your client manage their medical care
- Improved access to quality health care by participation in case management initiatives
Monday, April 26, 2010
Monday, April 19, 2010
Still Cheaper to be a Foreigner...
I know this makes no sense, but buying travel insurance with a hazardous sports rider is cheaper than buying regularly health insurance... for the overseas guy.
Why?
Insurance Law. Travel insurance doesn't fall under the 50 different versions of insurance law here in the United States. Ergo, it's not trying to cover small, very rare, but very expensive conditions.
It is what it is...
I was hoping the Health Care Bill would federalize health insurance law, at the very least. Nope. The insurance companies would lose too much money.
Why?
Insurance Law. Travel insurance doesn't fall under the 50 different versions of insurance law here in the United States. Ergo, it's not trying to cover small, very rare, but very expensive conditions.
It is what it is...
I was hoping the Health Care Bill would federalize health insurance law, at the very least. Nope. The insurance companies would lose too much money.
Thursday, April 15, 2010
The Frenchmen and the HCCMIS Claim
Our intrepid Frenchman failed to mention that his injury was a re-aggravation of a previous challenge.
IE, pre-existing condition.
HCCMIS paid for the ER visit, the follow up visit, and an MRI. They refused to pay for surgery to correct the problem. The Frenchman did NOT tell me about this, I had to learn it from the claims operator.
Interesting...
IE, pre-existing condition.
HCCMIS paid for the ER visit, the follow up visit, and an MRI. They refused to pay for surgery to correct the problem. The Frenchman did NOT tell me about this, I had to learn it from the claims operator.
Interesting...
Monday, March 29, 2010
Rugby Insurance for a Day? Possible, only if you're in another Country!
This makes no sense, but, yet, it is true.
About 3-5 times on Friday, I get calls from people who'd like to have Health Insurance for one day, Saturday. (Oh, by the by, Saturday comes immediately after Friday...).
"No way in Hell pal," is my usual response.
Unless I hear an accent...
"Are you an American citizen?"
"Yes." Hosed.
"No." "Really, go here," I gleefully reply. "Click on the first plan, the ATLAS travel series, and make SURE you get the optional Hazardous Sports Rider."
HCCMIS is the ONLY company I've found that'll cover Rugby under their hazardous sports rider. Two Summers ago, I issued a plan to our touring side. Two injuries, one dislocated hip, one impact tooth. Both players only paid the deductible from the HCCMIS WorldTrips plan. $100!!!
If you're an American overseas, they'll cover you for a day. If you're a foreigner in the US, they'll also cover you for any period of time.
Downside: The max coverage is $1,000,000. And the claims can get paper-worky. (But, that's what you have me for...) Also, if you're an American overseas, most likely the plan will ask you to fly back to the States, which the plan will pay for... make sense?
RuckingInsurance.com Don't Ruck Overseas Without It!!!
About 3-5 times on Friday, I get calls from people who'd like to have Health Insurance for one day, Saturday. (Oh, by the by, Saturday comes immediately after Friday...).
"No way in Hell pal," is my usual response.
Unless I hear an accent...
"Are you an American citizen?"
"Yes." Hosed.
"No." "Really, go here," I gleefully reply. "Click on the first plan, the ATLAS travel series, and make SURE you get the optional Hazardous Sports Rider."
HCCMIS is the ONLY company I've found that'll cover Rugby under their hazardous sports rider. Two Summers ago, I issued a plan to our touring side. Two injuries, one dislocated hip, one impact tooth. Both players only paid the deductible from the HCCMIS WorldTrips plan. $100!!!
If you're an American overseas, they'll cover you for a day. If you're a foreigner in the US, they'll also cover you for any period of time.
Downside: The max coverage is $1,000,000. And the claims can get paper-worky. (But, that's what you have me for...) Also, if you're an American overseas, most likely the plan will ask you to fly back to the States, which the plan will pay for... make sense?
RuckingInsurance.com Don't Ruck Overseas Without It!!!
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