Archive for October, 2009

Trip Cancellation Coverage and H1N1 – A Clarification

Thursday, October 8th, 2009 by

globe2Recent articles, like the one that ran last Friday in USA Today, explore trip cancellation insurance benefits in relation to the H1N1 flu and along the way create the potential for some misunderstandings. To sort out the subtleties, HTB takes a look at a typical product — TripProtector from HTH Worldwide.

The pandemic exclusion clause contained in the TripProtector plan applies strictly to trip cancellation, trip interruption or travel delay benefits. If a member feels threatened by pandemic flu and decides to cancel her trip prior to departure or to cut her trip short, the policy does not cover the associated travel expenses. Or, if a member’s travel is delayed because of circumstances arising from the pandemic, the policy does not cover the associated travel expenses. But if that person becomes ill while traveling, with H1N1 or any other pandemic infectious agent, TripProtector covers the associated medical costs, including evacuation for medical treatment, if necessary.

By definition, pandemics affect a large swathe of the population, so many trip cancellation carriers anticipate a potential avalanche of claims related to H1N1. Some carriers have decided to take this risk; others have not. We are not aware of any policies that exclude medical treatment for pandemic flu while you are traveling.

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International Docs Anticipate H1N1 Vaccine Shortage

Wednesday, October 7th, 2009 by

h1n1results

Here on the Healthy Travel Blog, we’ve been talking about H1N1 readiness and flu prevention when traveling overseas.  And for good reason.  The “swine flu” is the first pandemic in 41 years and all Americans should be educated about H1N1 both domestically and when traveling out of the country.

A recent poll administered by HTH Worldwide indicates that more than one-third of international physicians are anticipating a shortage of the H1N1 vaccine this fall in their country.  This is certainly not the best news for those who regularly travel abroad, or are overseas for the semester.  These health care providers also dispelled the idea that production of the H1N1 vaccine would interfere with regular production of the seasonal flu vaccine.  Fortunately, about two-thirds of the doctors polled say they expect an adequate supply of seasonal flu vaccine in their country this year.  Unfortunately, physicians from developing countries are more pessimistic, expecting shortages of both vaccines.

Despite concerns over potential shortages, physicians are preparing themselves to care for more patients this fall.  Nearly half of respondents in adult primary care and pediatrics reported increased preparations to treat larger numbers of patients with seasonal flu and H1N1.  These doctors are increasing office hours and staff personnel and accepting patients without appointments.

Who responded to this poll?  English-speaking, international HTH physicians from more than 50 countries like the United Arab Emirates, Thailand, Belize, France, Argentina, Egypt, China, Croatia, India, Pakistan, Spain, Japan, Peru, Brazil, Tunisia and Vietnam, to name a few.

This survey shows that international doctors are taking both seasonal influenza and H1N1 very seriously.  Only time will tell if there is enough of both vaccines, but the medical community is preparing to help more patients than ever.  The majority of respondents are advising patients in their areas who believe they are infected with H1N1 to schedule an appointment with a private physician or visit a public health facility designated specifically to treat those with H1N1. 

If you are an HTH member traveling overseas and think you may have influenza or H1N1, contact HTH to schedule you an appointment with a local, pre-qualified doctor who speaks English.  And you won’t have to worry about paying for your treatment out of pocket.

This is the first glimpse we’ve offered of what international physicians are thinking in terms of preparing for both common influenza and H1N1 treatment this fall.  We will continue to track this issue in an effort to best prepare and educate our customers and readers.

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10/02/09 Update: Catching up on (not catching) H1N1

Friday, October 2nd, 2009 by

basichtbimageReports this week indicate that the first doses of the H1N1 vaccine have been shipped in the U.S.  However, a poll conducted by Consumer Reports suggests some Americans may not want it because of the potential risks involved.  This raises the issue of whether or not health care workers should minimally be required to get the seasonal flu shot.

World Health Organization’s (WHO) situation updates on global H1N1 activity.

The first doses of the vaccine are in transit (and ahead of schedule).

Consumer Reports Poll  shows that  43% of Americans are on the fence when it comes to the vaccine.

Questions arise regarding health care workers and the flu vaccine.

What was your favorite story this week?

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Destination Happiness: Which Places Point the Way to a Happy Planet?

Friday, October 2nd, 2009 by

Why do we travel?  Are we trying to find a better path forward for ourselves and our children?  There are many ways to pursue happiness, and close encounters with new cultures often lead us to reconsider what happiness means.  When we hear fellow travelers asking, “What is the best way to live?” and “Where does this path lead?” their answers often swing between the material and the spiritual.  How do we balance the two?

Now there’s an interesting new perspective emanating from respected economists that weighs factors such as health, a positive experience of life and the natural resource requirements to attain them.  It’s all rolled up into something called the “Happy Planet Index,” measuring “the ecological efficiency with which healthy and happy lives are supported”.  The New Economics Foundation devised this measure for 143 countries around the world (covering 99% of the population).  The results, displayed online via an interactive map of the world, show that less wealthy countries with significantly smaller ecological footprints have high levels of life expectancy and satisfaction.  In fact, nine of the top ten countries are in Latin America or the Caribbean (see our chart of the top twenty).  The 64-page downloadable report describes the methodology and shows index scores in full.

Where does the U.S.come in?  At 114th sandwiched between Madagascar and Nigeria.  The planet’s richest nation is dragged down by its voracious and unsustainable appetite for natural resources.  According to the HPI data, if all the peoples of the world were American, it would take more than four planets to support them.

A world traveler’s perspective and habits may dovetail with the values on which the HPI is based.  You can calculate your personal HPI using an online questionnaire.  I answered the series of questions fairly honestly and scored a 66.8-that’s about halfway between the world average of 46 and the target score of 83.  The results are accompanied by tips for improving your performance.  Maybe I’ll start by moving to Costa Rica.

Of course, it may take generations for the human species to arrive at the destination known as a Happy Planet.  For the immediate future, I take comfort that simply pursuing happiness is often enough.  To paraphrase Robert Louis Stevenson, “It is sometimes better to travel hopefully than to arrive.”

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