Understand Travel Insurance Policy Language?

Aren't all travel insurance plans basically the same?
No. When you read travel insurance policy language, remember that as with any legal document, the definition of the terms is what governs the working of the policy (including payment of the claim). I create hypothetical travel scenarios for training purposes. This includes contacting our travel insurance suppliers' claims departments to see how they handle a given scenario.
A common concern of travelers are Pre-Existing Medical Conditions. In some cases, you can cancel, interrupt your trip or receive medical treatment if you (or a non-traveling family member) has a pre-existing condition. It has to do with the policy's wording.
All travel insurance excludes claims due to pre-existing medical conditions. Some travel insurance plans will waive the pre-existing condition exclusion if you get your travel insurance in the first 10, 14 or 21 days after your first trip payment date (ie - before the end of these 10, 14 or 21 days).
Any payment on your trip is considered the first payment. This includes the tax you pay when you redeem frequent flyer tickets, refundable deposits or even a trip planning consultation fee if that fee is later credited toward your trip costs.
You'll protect yourself if you have to cancel or interrupt your trip because of that pre-existing medical condition. There are three primary rules to keep in mind:
You have to insure your trip's full prepaid, non-refundable cost and
The person with the medical condition has to be medically stable when you get your insurance and
You must get your travel insurance in the first 10, 14 or 21 days after your first trip payment date.
You can cancel or interrupt your trip or receive medical treatment even if you have a pre-existing condition - if you follow these rules.
This seems simple enough, doesn't it?
Yes. Except there are companies that interpret this wording slightly different from what you expect. Be on the lookout for a clause in policies that states, "General exclusions include any expected or foreseeable events".
What this means to you is this: If you buy a travel insurance policy that includes the words "General exclusions include any expected or foreseeable events", here's what you need to do:
Ask if buying the policy in the Waiver Period really does waive this general exclusionand
Are there other conditions (ie - medically stable or covering the full trip cost) that have to be satisfied
No SurprisesIf you are told, "No, that wouldn't be covered because it's not unforeseen", I strongly suggest you steer clear of those companies - you don't want an unexpected surprise.
We do not offer policies from companies that play this semantics game. Like you, I want to be sure a travel insurance plan will work just like I expected it to.

Steven Dasseos is the founder and CEO of TripInsuranceStore.com. You can compare reputable travel insurance plans at this website. Contact Steve Dasseos here.

Finding the Right Travel Nursing Placement Agency

Travel nursing is becoming one of our nation's fastest growing professions, and it's no surprise. If you love seeing new places and enjoy exciting new experiences that evoke the feeling of taking an extended vacation, then the career of a traveling nurse might be just what the doctor ordered! Travel nursing enables many people to stay on vacation for two to six months in free luxury accommodations while earning high hourly wages at the same time.
Yet despite all these advantages, many nurses describe to me that they've shied away from the traveling profession. Why? Because bad experiences with placement agencies have left them with nothing but a negative impression. They've been underpaid or lacked benefits, and I can't tell you how many nurses have complained to me about inadequate housing or recruiters who were unkind, uncaring, and just plain unavailable. The sad result is that nurses end up jumping from one agency to the next, always in search of the perfect package that's never there.
In this light, choosing the right staffing agency requires a nurse to consider everything that is offered. Some nurses emphasize pay as their top priority. Others require an excellent benefits package. Many travel RNs are location-specific and want to experience the lifestyle in the country's hot spots. Career flexibility is often a pivotal factor, along with customer service. The bottom line is, your agency choice depends largely upon one of the four following criteria.
SALARY
No question about it, there are some agencies that offer more money than others. So the first thing to remember is that agencies may base salaries upon things like location availability, need-to-fill assignments, and cost of living.
Some agencies must offer noticeably higher rates if they expect to fill certain assignments where nurse-to-patient ratios are very low, or where a facility has extreme patient needs. If you're a nurse who is attracted by very high dollars, be alert for a potentially desperate situation you might be entering, and the workload it could bring. You may make more money, but you'll earn every dollar and more.
Location also factors into salary. The California bay area and many larger east coast cities definitely offer more lucrative pay rates. It's also much more expensive to live in those places, so recognize the relationship that exists between salary dollars and cost of living. I've seen nurses return from Hawaii saying they had a great vacation and made a lot of friends-but their purses were lighter, not heavier from the experience. You might get less money in an exotic location and come back with more money from a not-so-exotic location. My point is, your criteria will determine your priorities.
BENEFITS
What some companies may lack in salary, they make up for with benefits. Many agencies offer benefits programs that revolve around monetary bonuses or discounted luxury housing; and I have even observed a trend with several newer companies that offer entirely free housing to all their nurses. Take note, however, that those agencies may not ante up the really high salaries. It's a trade-off, so they compensate you with benefits to save you daily, monthly, and annual expenses. Every nurse should be aware of what benefits they need the most, and then ask their recruiters to assist in developing a package that is tailored to their individual needs.
CUSTOMER SERVICE
To many traveling nurses, customer service and aid are the most important attributes a placement agency possesses. If you called ten agencies and only talked with one live recruiter, it's probably best to narrow it down to the agency where individual placement specialists were easily available. After all, if you're ready to proceed with a new assignment you'll want an agency that can make it happen fast and has recruiters available who already understand your criteria. In fact, your criteria may change from one assignment to another, so customer service is paramount. Determine what you want and then find out which agencies can make it happen.

FEATURED LOCATIONS AND HOT SPOTS
While for some nurses, salary, benefits, and career flexibility might be the number-one interest, many others just want the obvious-to travel and see the world. If you're an adventurer who cares more about the travel experience than the money, then you'll need an agency that can offer you the locations you want.
Not every agency can send you just anywhere. Figure out where you want to go, and then call around to discover who can send you there.
A travel nursing career is absolutely one of the best, most rewarding choices any nurse can make, but it's important to select a company who will partner with you every step of the way. Before you jump in, do your homework and research all the best placement agencies. Finding the agency that fits your unique wants and needs will drastically increase your chances of success and happiness in your career.

Janet Fikany is a "Placement Diva" for HealthCare Staffing Network. For travel nursing advice, please visit HSN online at http://www.hcstaffingnetwork.com, or call Janet toll free at 1-877-385-3097.