Worldwide Travel Insurance – Protection Against Accidental Loss |

Whether exploring the pyramids of Egypt or drifting through the canals of Venice, traveling to foreign lands is something to which legions of people aspire. However, before embarking on glorious excursions, prospective travelers should realize the risks that may creep into their otherwise perfectly planned trips. Unexpected emergencies such as those relating to medical conditions can cause much greater expense and disruption than if the same situation had developed at home. Therefore, worldwide travel insurance is something with which every burgeoning globetrotter should familiarize themselves.

Tourists may be alarmed to learn that the insurance protections they have at home may fail to provide sufficient protection when they are abroad. For instance, those engaging in strenuous or risky physical activities such as water sports, extreme hiking or other pursuits may find that such action when undertaken in foreign lands, works to negate their insurance coverage. Also, while some may feel safe journeying to a country with a system of nationalized health care, they should know that in many cases, the free or low cost care available to citizens of that nation are unavailable to visiting foreigners. Doctors and healthcare facilities abroad may not be willing to negotiate terms of payment or service with a tourist’s domestic provider, thus necessitating upfront payment of costs prior to the commencement of service. If the appropriate treatment for a traveler’s specific medical situation is unavailable and an emergency evacuation is needed, conventional or non travel policies may decline coverage for the expense, which can be exorbitant. These are just a few of the reasons worldwide travel insurance is a wise choice.

Written with the purpose of supplying financial compensation for expenses relating to unexpected events while abroad, worldwide travel insurance policies are available in an expansive array of types and levels which are often dependent on the circumstances of the trip to be covered. The journey’s length, location, and specific itinerary may be considered in the ultimate pricing and availability of coverage. It is typically possible to purchase coverage for shorter journeys simultaneous with the booking of reservations. It is sometimes more useful for a traveler to seek a policy that provides more expansive coverage for a longer period of time. Some customary purchase points for these products include cruise ship lines, travel agents, and regular insurance agents and brokers.

Worldwide travel insurance is also frequently categorized by the nature of the tourist wishing to purchase a given policy. Vacation tourist, business travelers and students may have distinct needs that need to be addressed in their personal policy. Some of the contingencies for which coverage is usually sought include emergency medical and dental costs, accidental death or injury benefits, and in worst case scenarios, funeral expenses for deaths occurring abroad. Pregnancy related medical expenses may be added to policies for additional cost. Some factors that may be listed as exclusions to these kinds of policies include preexisting medical conditions and injury or death occurring as a result of alcohol or drug use, or other types of negligent conduct.

Business Visas For the United States |

The forthcoming piece examines US business visas utilized by foreigners traveling to the United States of America for business reasons.

Business travel to the United States can be a difficult endeavor for foreign nationals outside of the USA. This is due to the fact that officer of the American government tasked with adjudicating visa applications must scrutinize those applications in accordance with the provisions of the United States Immigration and Nationality Act as well as other relevant Federal law. Unfortunately for some, application of relevant law can sometimes result in an adverse finding against the individual seeking a United States business visa. This forthcoming analysis is an examination of common reasons for refusal of a business visa to the USA.

A US B1 visa is a non-immigrant visa. Thus, in order to be approved for a B-1 visa the applicant must overcome the statutory presumption of immigrant intent pursuant to section 214(b) of the American Immigration and Nationality Act. Section 214(b) requires that a Consular Officer deny a visa application if they believe that the applicant is using the visa for undisclosed immigration. For example, this would occur if an individual applied for a business visa, obtained approval, traveled to the USA, and remained indefinitely. As the United States B1 visa is to be used strictly for non-immigrant purposes a Consular Officer must examine a US business visa application so as to be satisfied that the applicant will not use the visa with immigrant intent. This is where the “strong ties” vs. “weak ties” analysis comes into play. Those parties seeking a non-immigrant travel document such as a B-1 visa must show that they have “strong ties” to their country of origin, or another country outside of the USA, and “weak ties” to America.

That said, there are other business and employment visa categories aside from the B1. For instance, an L-1 visa allows the visa holder to have “dual intent”. This means that the visa holder can maintain a present intention to travel to the USA for temporary purposes, but also have a, possibly long term, intention to immigrate as well. An US H-1 visa is a dual intent travel document as well. Regardless of the fact that section 214(b) does not apply to some other business visa categories, a Consular Officer must still adjudicate the merits of a visa application in order to be certain that the applicant is not inadmissible to the United States. Furthermore, Officers must also be on the lookout for fraud and misrepresentation in their adjudications as the Consular Officer, depending upon the type of application, may be tasked with making some findings of fact.