Posts By Brendan Sharkey

In my days of lecturing about global health care services to prospective expatriates, it was never a surprise to see scores of retirees stationed up front. They showed a high level of interest by nodding and taking copious notes. They had come to hear about health care services available around the globe. Although many retirees love the idea of a…

Recent 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…

Scores of Americans are traveling the globe for leisure, business, study and missionary travel.  Because of the recent travel concerns raised by the H1N1 pandemic and terrorist threats like the Mumbai attacks, many of these smart travelers are better planning and preparing to avoid potential hazards.  Greater consumer awareness has led to an increase in the popularity of travel medical…

Given the choice, would you rather buy an international health plan that is secure and subject to state regulators' standards, or one that is not? When it comes to international health plans, consumers often encounter products from "non-admitted" insurers that operate beyond the reach of U.S. state insurance regulations. These offshore plans--also referred to as surplus lines policies-are cheap but…

Navigating your health plan to get the most out of your benefits can be a challenge -the administrative hurdles alone can sometimes be daunting. But for international travelers there's a little known trapdoor that can open large gaps in healthcare coverage that quickly spiral beyond your control, exposing world travelers to significant financial risk. Traveling or residing outside the U.S.…

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