You’re going on a cruise soon and it’s going to be a memorable one--for all the right reasons, of course. Why? Buckle up: most people assume that when they go abroad, their medical insurance automatically covers them across the meridians. The truth is, traditional plans offer adequate domestic coverage but simply aren’t built for international fiascos.
Even though we’re insurance agents, we never encourage people to turn into worry-warts--especially when they’re planning a vacation! There are simple facts to consider, however: cars still wreck on foreign highways, natural disasters can strike, and political unrest isn’t unheard-of. Budgeting for traveler’s insurance is as pragmatic as budgeting for renters insurance, and usually just the 1% difference that can actually lead to a worry-free pre-, mid-, and post-vacation.
So, which vacationer are you? Find yourself in one of our two scenarios below, and we’ll direct you to the best insurance for your upcoming cruise!
Hey! I’m 69 & Younger and I’m Just Going On A Single Cruise Trip
Patriot Travel Medical Insurance is short-term medical insurance that covers individuals and families. Renewable for up to 24 months, it provides coverage for repatriation, evacuation, and medical expenses. Depending on the length of your vacation, you can choose to pay a daily or monthly rate. Other highlights include:
Hey! I’m 70 & Older and I’m Just Going On A Single Cruise Trip
Globehopper Senior Single Trip is short-term medical insurance that covers individuals and their spouses. This plan was designed for U.S. citizens and U.S. permanent residents who are qualified for Medicare, actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan. Renewable for up to 12 months, with the option to pay in daily or monthly payments, other benefits include:
But no matter what--make it a great trip!
The price of prescription drugs is just like the price of good ol’ gasoline: expect fluctuations by the day, sometimes even by the hour! When there’s so much change (and rumors of change) within the insurance and prescriptions world, it’s a bit of a chore to keep up, isn’t it?
As fellow red-blooded Americans, we are all for the wholesome do-it-yourself grit that has been the American ideal since circa 1776. But there’s one thing we really hope you don’t have to do on your own--and that’s negotiate your own prescription prices. So here’s your handy guide to the world of prescription assistance.
Let’s look at paid and unpaid prescription discount cards. By the end, we expect you to be whistling the ‘Star-Spangled Banner’ with some new-found gratitude and a few more Abraham Lincolns in your pocket!
Free Discount Cards
In the Wild West of Insurance-Over-The-Internet, you wouldn’t be wrong to scrunch your eyebrow at anything that claims to be ‘free.’ Rest assured, we’ve procured the hidden gems of the obligation-free in the arena of insurance quotes and prescription discount cards.
Take, for example, Wellcard. If you’ve been prescribed any drug in pill/tablet form, and you happen to live in any of the fifty states of the U.S.A., then this card can provide you discounts ranging from 10-50% off retail price. This card automatically covers all family members living at the same address (irregardless of age). Free to sign up, free to use. Just note that the drug discounts are only available for pill/tablet prescriptions--yet in addition to pill discounts, Wellcard can also be used for the following:
Interested? Just take our Group ID: FJAC2.
What’s a co-pay prescription card? Basically if your Rx is a preferred brand or generic alternative on the card’s formulary, you pay a predetermined fee for the exact Rx prescribed by your doctor.
With co-pay cards, our customers have saved anywhere between 10-80% off both their generic and brand-name prescriptions, including diabetes supplies, pills, tablets, and injections.
Thankfully, we do all the number-crunching for you. When you inquire for one of our free, no-obligation quotes, we work with your budget, needs, and prescriptions to find the best combination of discounts for you. We won’t suggest anything that isn’t saving you time and money. Whether that comes in the form of a free or paid discount card, what we provide is what’s best for you.
Bonus: The Canadian Solution
We wouldn’t want to end this article without mentioning our northern neighbor! We know the topic of this article is the world of American prescription drugs, but in the recent past there’s been a great development in the world of prescription prices and we have only Canada to thank.
Did you know that Canada can sell you the same brand-name prescriptions you currently have for a fraction of the cost you currently pay? And no, that’s not in Canadian dollars!
Want to find out more? We’ve got your covered right here. And here’s another bonus: we’ll even throw in an extra, ICA-exclusive coupon. Just type in ICA5 during check-out and that’s an Abraham Lincoln we guarantee remains in your pocket. ‘Cause we love ya.
And what better note to end on than that?
2. How much time should I give myself to secure insurance before my 26th birthday?
It can take about 1-2 weeks to consider your options, less than an hour to fill out your application, and between 2-4 weeks for the big bad underwriters to review your case. That means it’s ideal to begin the thinking-signing-waiting process no later than two months before your cut off date (we mean, your 26th birthday). You got less than that? No sweat. You’re here, aren’t you? If you’re turning 26 tomorrow, there’s no better time than the present to get started with a free, no-obligations quote. Even if you’ve got a whole year before your next birthday, taking the time to consider your options can take less than the time it would take to watch 5 Youtube videos in a row. Plus, getting used to the new expense ahead of time is a great way to flex your fiscal muscles and adjust to the flow of the new expenses before they’re absolutely mandatory.
3. If I’m young, healthy, unmarried, and with 0 dependents, do I even need life insurance?
Story Time: 35-year-old Stan d’Man is doing well for himself, and now that he has a wife and two kids, he figures it’s time to get some life insurance. His 25-year-old brother, Dan d’Man, is single as the day he was born. Even though he doesn’t make nearly as much money as Stan, and he currently possesses fewer insurable interests, Dan decides he’ll go ahead and get a quote too. But the numbers tell the real story, here. We can all agree here that the prime time we all think about getting insurance is so we can cover the “Full House” years. Typically, we put this window between 30-55, when most people are raising their children. What we want you to consider is how much cheaper your life insurance is in the long run when you apply in your twenties.
You can start sketching out some quotes now to get the picture.
4. Ok, where do I get a quote?
Getting an insurance quote is as easy and painless as a click. In addition to your tried-and-true health and life insurances options, here are two insurance alternatives you might not have considered:
We hope this little pep talk has got you thinking about your future insurance needs. And remember, even if you’re 27-28-29-30 and looking at this article, you’re still in a prime window to get your life and health insurance in order. Our agents are friendly, knowledgeable, and willing to go the extra mile to find the right fit for you. Let’s get started!
Something about the cold dead of winter inspires us to start turning our new year into yet another checklist: gym-worthy abs, new bedtime, cut back on XYZ, and so on. While some people find the magic formula, or simply a hidden reservoir of willpower, statistics show that not all of us actually resolve our resolutions. You know, like starting the quest for better health coverage.
Well, what good is a magic formula or a ton of willpower when our New Year’s Resolutions look like this:
We aren’t going to list the x-amount of qualities that insurance companies are looking for. We are rooting for you to become the person you want to be--whether that’s signing up for Muay Thai or switching out the cigarettes for chewing gum, or whatever it is you want/don’t want in your life. In the face of distraction, excitement, and holiday mayhem, there is only one course we can recommend and--surprise--getting an insurance quote is just an afterthought.
This is the one goal we can honestly recommend: