Tool for finding cheap flights from departure city without entering destination

#search for flights
#

Tool for finding cheap flights from departure city without entering destination

DAS02135 Gold Member

Messages: 1,216 Likes Received: 1,504 Status Points: 1,095

Not exactly a mileage run question, but I think this is the most appropriate place.

Is there a website I can use to find the least expensive flights from a departure city on a specific date? For example, if I want to see all the cheap flights departing from Boston next Friday so I can determine if any of them are warm and worth going to, is there a tool I can use?

I was using FareCompare like a different thread suggests, but I cannot figure out to use specific dates.

I also tried using Expedia s dream tracker, but all the pop ups on the map are a big pain in the butt.

I ve been hesitant to post this on Flyer Talk because I m sure it s answered someplace and I did not want snarky use the search responses. However, their forum search is not a great tool when they are so many posts.

EDIT TO SHARE SOME RESPONSES:

Here are some of the recommendations:

Great for constructing a mileage run, but not (yet) friendly for just finding cheap flights for a quick getaway:





05/12/2017

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Business Loans #business #loans #without #collateral


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Business Loans

Alternatives is committed to small businesses. We want your business to succeed, and we are looking for long term lending and deposit relationships. We ask for comprehensive information for the application, and have provided a list of requested items below. The information is needed to enable us to make a responsible loan decision. As time-consuming as it sometimes is to compile, our experience shows that careful financial planning can be a significant factor in the success of a business.

Please note: Alternatives is a regional credit union. We offer business loans to businesses located in Ithaca, Tompkins County, and the surrounding counties of Schuyler, Chemung, Tioga, Cortland, Cayuga and Seneca.

What you will need to apply for a Business Loan at Alternatives:

  • Loan application form
  • Personal financial statement
  • Business plan (including all necessary financial statements)
  • For existing businesses, three years of financial statements and tax returns

Support for idea development and compiling these important documents is available through our Business CENTS Program.

Loan types
Women and Minority Subsidized Loan

Alternatives can now offer a subsidized loan for women and minority-owned businesses. This loan will assist women and minority borrowers who have a minimum of one year in business and are looking for assistance with continued growth and expansion.
Loan Information:

  • New loans only, no refinances
  • Term: Up to 5 years
  • Rate: 4% Fixed
  • Maximum Amount $50,000
  • Equity Requirement: 10% of loan amount (additional equity may be required)

    Working Capital Loan
    Decisions relating to working capital and short term financing are referred to as working capital management. These involve managing the relationship between a firm’s short-term assets and its short-term liabilities. The goal of Working Capital management is to ensure that the firm is able to continue its operations and that it has sufficient cash flow to satisfy both maturing short-term debt and upcoming operational expenses.

    Line of Credit
    Cash flow is often an issue in business. Whether your need is inventory or funds for day-to-day operations, look towards a Line of Credit. Secured by business assets, the Line of Credit makes funds available when the need arises. Every small business and non-profit should have a Line of Credit in place for opportunities, emergencies or to cover inadvertent overdrafts.

    Business Equipment Loan
    Need funds to purchase equipment, inventory and furniture or business assets? The Business Term Loan, secured by business assets, will enable you to borrow funds while at the same time setting up a budget payment that won’t change every month.

    Commercial Mortgage
    If you’ve found the perfect place to start or expand your business and you need to purchase or improve the property, Alternatives offers a Commercial Mortgage to meet your needs. We offer flexible repayment terms up to 15 years.

    Share Secured Loans
    If you would rather not touch the money in your savings or certificate account, but need capital, consider a Share Secured Loan. Have money for business needs without losing interest on funds invested at Alternatives. Share Secured Loans are also a good way to build a credit record to support future borrowing.

    Small Business Administration (SBA) Guaranteed Loan
    Minimal collateral, credit concerns, and higher risk business ideas can create problems when trying to get a loan. If this is your situation, we can offer you a solution. An SBA loan can be used for general business purposes, the purchase of assets or real property, and working capital.

    What we look for in a business loan applicant:
    Steady income sufficient to repay the loan and other obligations.

    • A good past credit history.
    • Sufficient collateral that is readily identifiable, with a wide market of resale.
    • Financials in line with or exceeding peers.
    • Owner equity in the business.

    Often, a business cannot provide the level of information we request. In that case, we will review the loan with the information presented. If the information provided is not sufficient to grant the loan, we reserve the right to require additional information. The loan may be considered for approval on the basis of the owner(s) personal credit.

    To provide a complete application, please enclose the following items:

    1. Three years financial statements and tax returns, as well as current (to within three months) financial statement (including income statements, balance sheets, and supporting schedules). Statements must follow Generally Accepted Accounting Principals.
    2. A Personal Financial Statement from each principal of the business.
    3. A description of any collateral offered or purchase receipts or price quotes for new equipment.
    4. Pro-forma projections month by month basis for two years or the length of the loan, whichever is less.
    5. Business plan detailing the structure of the business (sole proprietorship, partnership, corporation and ownership), a description of the product or service offered, the marketing strategy, an evaluation of the competition, a listing of trade references, and the names of the business principals.
    6. If the business is a corporation or partnership, include a copy of the certificate of incorporation or partnership papers, and a resolution from the Board of Directors or partners authorizing the loan request and designating who will sign loan papers.
    7. Personal guarantee(s) of the owner(s) of the business are required for each business loan. The requirement may be waived, for non-profit businesses only, at the discretion of the Credit Union. A personal guarantee demonstrates the signer’s commitment to seeing the business succeed, and means that the principals are personally responsible for the loan payments. This guarantee is requested by other financial institutions as well, and is a legal requirement for credit unions.

    The Credit Union can provide resource materials on business planning and analysis, and we run a series of business seminars. For members with credit needs beyond our limits and terms we will do loans with the Small Business Administration (SBA) and can aid in placing loans with larger institutions.

    Online Access


    25/09/2017

    Posted In: NEWS

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  • Unsecured Loan #business #loan #without #collateral


    #

    Unsecured Loan

    BREAKING DOWN ‘Unsecured Loan’

    Because an unsecured loan is not guaranteed by any type of property, these loans are bigger risks for lenders and, as such, typically have higher interest rates than secured loans such as mortgages or car loans.

    What Are Examples of Unsecured Loans?

    Unsecured loans include credit cards, student loans and personal loans, and these loans can be revolving or term loans. A revolving loan is a loan that has a credit limit that can be spent, repaid and spent again. Examples of revolving unsecured loans include credit cards and personal lines of credit.

    Term loans, in contrast, are loans that the borrower repays in equal installments until the loan is paid off at the end of its term. While these types of loans are often affiliated with secured loans such as mortgages and car loans, there are also unsecured term loans. A consolidation loan to pay off credit cards or a signature loan from a bank would be considered unsecured term loans.

    Alternative Lenders and Unsecured Loans

    Alternative lenders such as payday lenders or companies who offer merchant cash advances do not offer secured loans in the traditional sense of the phrase. Their loans are not secured by tangible collateral as mortgages and car loans are. However, these lenders take other measures to secure repayment.

    In particular, payday lenders have borrowers give them a postdated check or agree to an automatic withdrawal from their checking accounts to repay the loan. Many online merchant cash advance lenders require the borrower to pay a certain percentage of his online sales through a payment processing service such as PayPal. As a result, these loans are considered unsecured, although they are partially secured.

    Defaulting on an Unsecured Loan

    If a borrower defaults on a secured loan, the lender can repossess the collateral to recoup his losses. In contrast, if a borrower defaults on an unsecured loan, the lender cannot claim property. However, the lender has can take other actions, such as commissioning a collection agency to collect the debt or taking the borrower to court. If the court rules in the lender’s favor, the borrower’s wages may be garnished, a lien may be placed on the borrower’s home, or the borrower may be otherwise ordered to pay the debt.


    05/09/2017

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    Tool for finding cheap flights from departure city without entering destination

    #search for flights
    #

    Tool for finding cheap flights from departure city without entering destination

    DAS02135 Gold Member

    Messages: 1,216 Likes Received: 1,504 Status Points: 1,095

    Not exactly a mileage run question, but I think this is the most appropriate place.

    Is there a website I can use to find the least expensive flights from a departure city on a specific date? For example, if I want to see all the cheap flights departing from Boston next Friday so I can determine if any of them are warm and worth going to, is there a tool I can use?

    I was using FareCompare like a different thread suggests, but I cannot figure out to use specific dates.

    I also tried using Expedia s dream tracker, but all the pop ups on the map are a big pain in the butt.

    I ve been hesitant to post this on Flyer Talk because I m sure it s answered someplace and I did not want snarky use the search responses. However, their forum search is not a great tool when they are so many posts.

    EDIT TO SHARE SOME RESPONSES:

    Here are some of the recommendations:

    Great for constructing a mileage run, but not (yet) friendly for just finding cheap flights for a quick getaway:





    23/08/2017

    Posted In: NEWS

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    Travel Medical Insurance: Dont Leave Without It #travel #canada

    #travel medical insurance
    #

    Travel medical insurance: Don’t leave without it

    During six months in Chile while interning for a nonprofit organization, a 20-something man we’ll call Lucas contracted scabies. The microscopic mite infestation drove Lucas — who asked that we not use his real name — to seek treatment at a free local clinic.

    Before leaving the U.S. Lucas had opted against purchasing supplemental travel medical insurance, which would have covered his care at a hospital. Like many people traveling abroad, he chose to play the medical odds.

    Insurance for health catastrophes overseas

    A twisted ankle, common cold or routine aches and pains might be addressed in a foreign land with the help of a local pharmacy and perhaps a good dictionary in the native language.

    But medical emergencies aren’t always so clear-cut overseas, says Steve Wyss, managing director of Affinity Group Underwriters, a provider of insurance to professional associations and other groups.

    Luis Romero/Associated Press

    “It’s when you have something catastrophic, or need to be moved to an area with a higher standard of care, that having a travel medical insurance policy can really make the difference,” he says.

    Different from travel insurance

    Many vacationers are familiar with travel insurance, which is usually offered while purchasing an airline ticket or cruise. Such policies can be helpful to recoup the costs of lost luggage or a change in plans.

    Travel medical insurance is somewhat different. It supplements your regular health insurance when you’re traveling abroad.

    While some people are willing to take chances, travelers with medical conditions or who engage in high-risk activities might want to make sure any surprise trips to an emergency room won’t crimp their finances long after they’ve returned home.

    Picks up where health insurance leaves off

    When you travel, your health insurance likely will offer basic coverage for emergencies outside the U.S.

    More On Travel Insurance:

    “smart spending”

    Some policies even have a clause for emergency evacuation (also known as “air ambulance”) that will reimburse a patient for the cost of a flight from a remote location to a hospital with a higher level of care, Wyss says.

    But your regular health insurance provider “probably doesn’t have a network outside the U.S.,” notes Brendan Sharkey, director of individual product sales for GeoBlue Travel Insurance, the travel health insurance arm of Blue Cross/Blue Shield. “This gets complicated not only when trying to find the best resources, but also when struggling with paperwork while filing a claim.”

    Travel health risks can be far from exotic

    As Lucas found out, the health risks for travelers can include more than unexpected medical emergencies such as deadly snakebites, serious crashes or malaria.

    Sharkey says the claims he and his colleagues see most frequently are for flare-ups of chronic health conditions.

    “Diabetes or asthma — those are the things that can spiral out of control when someone is traveling,” he says. “Someone with a heart condition, who’s dealing with sleep and dietary changes, more physical exertion than usual, walking all along hilly streets to discover a new city — sometimes people will push themselves too far.”

    Travel medical insurance for pregnancy

    The birth of Sharkey’s son in Australia several years ago is a perfect example of a fairly ordinary medical issue that can become critical. Sharkey hadn’t yet started working for GeoBlue, and the couple opted to use the public health care system during the pregnancy and delivery.

    “My wife’s roommate in the hospital was an inmate of the local prison, shackled to the bed with a guard standing over her,” he says.

    There was no epidural; a midwife alone began the delivery, and when complications arose, Sharkey had to track down the doctor who was overseeing five simultaneous deliveries.

    “Had we had insurance,” he says, “we would have had private care, and it would have been different than this white-knuckle ride.”

    Policies for less than $20 per week

    The costs of supplemental travel medical insurance policies can vary greatly, but are determined by the length and destination of the trip and the age of the traveler.

    Coverage can be fairly inexpensive — less than the cost of checking a bag.

    For example, a 40-something traveler could spend less than $20 per week for a policy with a $500 deductible that would provide up to $500,000 in medical insurance for accidents or illness and include medical evacuation coverage.

    Buy before you leave

    The time to buy a travel medical insurance policy is the moment travel reservations have been made and paid for. Don’t wait until you’re on the road, because those who attempt to buy a travel medical policy once they’ve already left home are more often than not wasting their money, Sharkey cautions.

    “If you’re a short-term traveler or backpacker looking to buy a policy last-minute because you’re already showing symptoms, it’s too late,” he says. “You’re going to be basically uninsurable.”

    The fine print on exclusions

    Some legitimate travel medical insurance policies won’t cover a traveler who is injured due to an act of terrorism, especially if that act occurs in a country with a State Department travel alert in place.

    Others will deny claims for a pre-existing condition, even if that condition has been asymptomatic, undiagnosed and untreated before the policy was purchased.

    Before you start shopping for travel medical insurance, call your existing health insurance company to determine if it includes any international coverage. If not, ask your insurer if it sells supplemental travel medical policies or if it partners with another provider that does.

    Beyond that, the U.S. State Department’s website maintains a list of travel medical insurance providers.





    11/08/2017

    Posted In: NEWS

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    GMAT vs GRE: What – s the Difference? #mba #programs #without


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    GMAT vs GRE

    GMAT vs GRE Scores for MBA Programs

    Admissions trends are showing that business schools are looking for applicants with more than just a business background, and that means that the GMAT is not the only test in the game anymore. Since the GMAT and the GRE are completely different tests, comparing scores on the two is like comparing apples to oranges. ETS (the folks who administer the GRE) and GMAC (the folks who administer the GMAT) both use comparison tools to put student s scores into perspective, but many MBA programs use the ETS comparison tool as a benchmark. To get the most out of your score and your application, you should research your chosen schools to see what score ranges they require for admission. Use our business school search to research the MBA programs on your list.

    Is one test easier?

    In general, the GMAT suits those who have strong quantitative and analytical skills, who also excel at interpreting data presented in charts, tables, and text to solve complex problems. The GRE math section tends to be more straightforward and, unlike the GMAT, includes a calculator for all quantitative problems. Strong editors may gravitate to the GMAT s verbal section while test-takers with strong vocabularies may prefer the GRE. Both tests have their oddball question types Quantitative Comparison on the GRE and Data Sufficiency on the GMAT that will take some prep to get used to.

    How do I choose?

    The best way to determine whether the GMAT or GRE is better suited to your abilities is to get your feet wet with a practice test for each exam. Getting into business school is competitive and you don’t want to take an actual GRE or GMAT sight unseen. We offer full-length computer-adaptive diagnostic tests for both the GRE and the GMAT.

    No matter which test you decide to take, you’ll need to prepare if you want to get a score that admissions officers can t ignore. We have prep options for both the GMAT and GRE to ensure you get the best score possible.

    Find a Prep Course Near You

    Productive Preparation

    We know that great scores take work. That’s why we design our courses to be efficient, targeted and strategic so you make the most of every minute you spend prepping.

    Quality Content Delivery

    Our experts know how to design lessons based on how you’re learning. That means we don’t just record classroom lessons and put them in our Self-Paced prep we design lessons FOR Self-Paced.

    Engaging Teachers

    We love our teachers, and so will you. We look for proven expertise and a sense of humor, and that’s BEFORE we put them through 40 hours of training!

    Better Scores

    We guarantee you’ll get higher scores and have an exceptional test prep experience. If you don’t, we’ll refund your tuition or let you prep again for free.


    03/08/2017

    Posted In: NEWS

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    Configure self-hosted web service on Windows Server 2012 #self-hosted #web #service,


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    Self-hosted Web Service on Windows Server 2012

    When it comes to hosting web services, Microsoft Windows Server platform can do the job with or without an actual web server. In Windows Server, web server would be IIS. If IIS is installed, web service can be hosted as a website, be configured using .config files, and generally speaking all TCP/IP or SSL configuration would be done at the IIS level. This may be more convenient for people who are used to IIS or who have to have IIS up for other reasons, however in some cases you may prefer to avoid IIS and keep your attack surface to the minimum.

    Self-hosting means no IIS to install and it relies on http.sys, something that is present on all Windows Server machines as part of the TCP/IP stack. Self-hosted services can be managed through netsh command line interface.

    Discussion of pros and cons of self-hosted web services is outside the scope of this article but a good place to start reading up on that is on Stack Overflow .

    Self-Hosted Web Service Installation

    Self-hosted web service relies on something else other than IIS to open a socket and listen for inbound connections. This can be done by deploying your application as a Windows service. NET Framework has a handy utility called InstallUtil.exe. located in C:\Windows\Microsoft.NET\Framework\v4.0.30319\ folder (.NET Framework 4.0, Windows Server 2012).

    The command above installs a Visual Studio console application as a Windows service. Right after running this command, you can launch services.msc and check for presense of this new Windows service.

    For console application to install as a Windows service, you need to add Installer class to your project, which will tell InstallUtil.exe how to deploy the service:

    On line 10, the name of the Windows service is set to the WindowsServiceName string value from the application config file.

    Configure URL Binding and SSL Certificate

    For Windows service to bind successfully to a network socket, you need to configure URL access control list using netsh.exe CLI:

    Since in this example we are using SSL (port 443, https) we also need to assign a valid certificate to the same binding:

    Now this last command is a little tricky. How do you find out certificate_hash and app_guid of your certificate and application?

    Certificate hash can be obtained directly by inspecting X.509 certificate using Certificates MMC snap-in, or via certutil -store command. Find the certificate you want to use, copy its cert hash value (deleting all spaces) and you are set.

    Getting App ID is a tad more complicated. Best way to do this is by calling it from the code using the following method:

    Call this method somewhere in the opening lines of your web services application and either Debug.Print the output to the console, or write it into event log, or simply break-point it and check it out in the immediate window. App ID does not change but getting it isn t very convenient.

    Verify Configuration

    That s all there is to setting up self-hosted web services on the Windows Server 2012 platform. Make sure that your Windows Firewall, if enabled, is configured to allow port 80/443 (as applicable).

    At this point, start Windows service that was installed using InstallUtil.exe .

    To confirm that your socket was opened successfully:

    To confirm configuraion of URL ACL:

    To confirm SSL certificate binding:

    Closing Thoughts

    Ultimately, it is up to you to configure the type of network binding (http or https) and the service URL (https://www.flexecom.com:443 ) of your web service. There are several ways to do this, the preferred way for self-hosted web services is to set these parameters directly using .NET code within your assembly. Whatever settings you configure, they need to match the netsh configuration (specifically URLACL), otherwise your service will fail to open the socket. SSL certificate is required for HTTPS bindings. More on how to do this in another post.

    Binding Multiple Web Services to the Same Socket

    Is possible! All you have to do is modify the URL of the web service in your code and make sure that netsh command gets executed to add all web service URLs to the http ACL. You can have many web services running off the same base URL (https://www.flexecom.com:443 ) as long as what follows after / is unique. This allows you to setup a production web service as well as a dev/qa web service using the same single-name SSL certificate, the same public IP address, and the same server.

    Did you like this article? Share it with your friends!

    If you get SSL Certificate add failed, Error: 87 message, or The parameter is incorrect message when you run the netsh http add sslcert command, try the following:

    1. Stop the services that are running, which bind to the socket that uses this certificate
    2. Go into netsh CLI (command line interface)
    netsh [Enter]
    http [Enter]
    add sslcert hostnameport=www.flexecom.com:443 certhash= appid= certstorename=MY

    This assumes that the certificate is imported into the Local Machine store of course.

    Another note if your app code is searching for the certificate by a subject name, and if the subject name of a newly installed certificate matches a subject name of another certificate in the store (such as in the case of renewing an existing certificate), the code may fail to open a network binding with a new certificate if it finds more than one match based on the same subject name. It really depends on the app code. Obviously, solution is to delete the old certificate.


    28/07/2017

    Posted In: NEWS

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    Tool for finding cheap flights from departure city without entering destination

    #search for flights
    #

    Tool for finding cheap flights from departure city without entering destination

    DAS02135 Gold Member

    Messages: 1,216 Likes Received: 1,504 Status Points: 1,095

    Not exactly a mileage run question, but I think this is the most appropriate place.

    Is there a website I can use to find the least expensive flights from a departure city on a specific date? For example, if I want to see all the cheap flights departing from Boston next Friday so I can determine if any of them are warm and worth going to, is there a tool I can use?

    I was using FareCompare like a different thread suggests, but I cannot figure out to use specific dates.

    I also tried using Expedia s dream tracker, but all the pop ups on the map are a big pain in the butt.

    I ve been hesitant to post this on Flyer Talk because I m sure it s answered someplace and I did not want snarky use the search responses. However, their forum search is not a great tool when they are so many posts.

    EDIT TO SHARE SOME RESPONSES:

    Here are some of the recommendations:

    Great for constructing a mileage run, but not (yet) friendly for just finding cheap flights for a quick getaway:





    16/04/2017

    Posted In: NEWS

    Tags: , , , , , , , , , ,

    Leave a Comment

    Travel Medical Insurance: Dont Leave Without It #columbus #travel

    #travel medical insurance
    #

    Travel medical insurance: Don’t leave without it

    During six months in Chile while interning for a nonprofit organization, a 20-something man we’ll call Lucas contracted scabies. The microscopic mite infestation drove Lucas — who asked that we not use his real name — to seek treatment at a free local clinic.

    Before leaving the U.S. Lucas had opted against purchasing supplemental travel medical insurance, which would have covered his care at a hospital. Like many people traveling abroad, he chose to play the medical odds.

    Insurance for health catastrophes overseas

    A twisted ankle, common cold or routine aches and pains might be addressed in a foreign land with the help of a local pharmacy and perhaps a good dictionary in the native language.

    But medical emergencies aren’t always so clear-cut overseas, says Steve Wyss, managing director of Affinity Group Underwriters, a provider of insurance to professional associations and other groups.

    Luis Romero/Associated Press

    “It’s when you have something catastrophic, or need to be moved to an area with a higher standard of care, that having a travel medical insurance policy can really make the difference,” he says.

    Different from travel insurance

    Many vacationers are familiar with travel insurance, which is usually offered while purchasing an airline ticket or cruise. Such policies can be helpful to recoup the costs of lost luggage or a change in plans.

    Travel medical insurance is somewhat different. It supplements your regular health insurance when you’re traveling abroad.

    While some people are willing to take chances, travelers with medical conditions or who engage in high-risk activities might want to make sure any surprise trips to an emergency room won’t crimp their finances long after they’ve returned home.

    Picks up where health insurance leaves off

    When you travel, your health insurance likely will offer basic coverage for emergencies outside the U.S.

    More On Travel Insurance:

    “smart spending”

    Some policies even have a clause for emergency evacuation (also known as “air ambulance”) that will reimburse a patient for the cost of a flight from a remote location to a hospital with a higher level of care, Wyss says.

    But your regular health insurance provider “probably doesn’t have a network outside the U.S.,” notes Brendan Sharkey, director of individual product sales for GeoBlue Travel Insurance, the travel health insurance arm of Blue Cross/Blue Shield. “This gets complicated not only when trying to find the best resources, but also when struggling with paperwork while filing a claim.”

    Travel health risks can be far from exotic

    As Lucas found out, the health risks for travelers can include more than unexpected medical emergencies such as deadly snakebites, serious crashes or malaria.

    Sharkey says the claims he and his colleagues see most frequently are for flare-ups of chronic health conditions.

    “Diabetes or asthma — those are the things that can spiral out of control when someone is traveling,” he says. “Someone with a heart condition, who’s dealing with sleep and dietary changes, more physical exertion than usual, walking all along hilly streets to discover a new city — sometimes people will push themselves too far.”

    Travel medical insurance for pregnancy

    The birth of Sharkey’s son in Australia several years ago is a perfect example of a fairly ordinary medical issue that can become critical. Sharkey hadn’t yet started working for GeoBlue, and the couple opted to use the public health care system during the pregnancy and delivery.

    “My wife’s roommate in the hospital was an inmate of the local prison, shackled to the bed with a guard standing over her,” he says.

    There was no epidural; a midwife alone began the delivery, and when complications arose, Sharkey had to track down the doctor who was overseeing five simultaneous deliveries.

    “Had we had insurance,” he says, “we would have had private care, and it would have been different than this white-knuckle ride.”

    Policies for less than $20 per week

    The costs of supplemental travel medical insurance policies can vary greatly, but are determined by the length and destination of the trip and the age of the traveler.

    Coverage can be fairly inexpensive — less than the cost of checking a bag.

    For example, a 40-something traveler could spend less than $20 per week for a policy with a $500 deductible that would provide up to $500,000 in medical insurance for accidents or illness and include medical evacuation coverage.

    Buy before you leave

    The time to buy a travel medical insurance policy is the moment travel reservations have been made and paid for. Don’t wait until you’re on the road, because those who attempt to buy a travel medical policy once they’ve already left home are more often than not wasting their money, Sharkey cautions.

    “If you’re a short-term traveler or backpacker looking to buy a policy last-minute because you’re already showing symptoms, it’s too late,” he says. “You’re going to be basically uninsurable.”

    The fine print on exclusions

    Some legitimate travel medical insurance policies won’t cover a traveler who is injured due to an act of terrorism, especially if that act occurs in a country with a State Department travel alert in place.

    Others will deny claims for a pre-existing condition, even if that condition has been asymptomatic, undiagnosed and untreated before the policy was purchased.

    Before you start shopping for travel medical insurance, call your existing health insurance company to determine if it includes any international coverage. If not, ask your insurer if it sells supplemental travel medical policies or if it partners with another provider that does.

    Beyond that, the U.S. State Department’s website maintains a list of travel medical insurance providers.





    04/04/2017

    Posted In: NEWS

    Tags: , , , , , ,

    Leave a Comment