Ray Travel Resources offers excellent travel medical and trip cancellation insurance policies. There are no age limits, and medical coverage can range from $10,000 to $250,000 USD in emergency medical benefits. All policies are in English, all claim forms are in English and many extra benefits may be included in the policies (such as baggage delay, theft of personal items, travel delay, missed connection insurance, medical evacuation etc., rental car insurance, etc)., and there is even "cancel for any reason" insurance available as an option. Coverage is surprisingly low. Please e-mail us at admin@raytravelresources.com with your dates of travel, age, and a phone number and we will be pleased to give you a prompt quotation.

TRAVEL MEDICAL INSURANCE 101

This is perhaps the most confusing area. Most people think they are covered if they already have existing health care insurance. Within the United States and Canada that's true. In some cases, your insurance won't even cover you if you're traveling on a foreign-flagged vessel. Most cruise ships, even those cruising U.S. and Canadian waters, are not flagged in the U.S. 

In almost all cases, your current health insurance does NOT cover you to evacuate you and repatriate you back to the U.S. This is where "Medical Evacuation and Repatriation" insurance comes into play. I believe this is essential for anyone who travels internationally. It's an insurance program where if you get sick or injured overseas the policy will get you treated, stabilized and flown back to our country of residence or choice, accompanied by a medically equipped and staffed jet. Another reason for getting this coverage: if you're in a foreign country, particularly a developing country, many hospitals will admit you without caring about coverage, but they won't let you leave until you pay. Travel insurance can help facilitate payment, and act as an advocate so that you're not overcharged because you're a foreigner. 

You may not be aware that Ray Travel Resources offers a variety of travel insurance policies in various price ranges and degrees of medical coverage, available to citizens and residents of any country, with no upper age limits, and as long as the insurance is purchased within 14 days of the initial trip reservation/deposit, cover pre-existing conditions. 

Travel medical insurance is available for purchase up to one day prior to the start of your trip, but pre-existing conditions that cause a medical problem during your trip are excluded unless the policy was purchased within the first 14 days after first deposit or payment was made.