As an adult male in his mid-fifties I have traveled internationally since early childhood.  Beginning in the 1950’s I spent summers in French speaking Canada and I recall how exotic it was to hear people speaking in a language other than English. I am reminded of these first memories each spring when I open the very same summer cottage that I roamed as a child.  How precious those first experiences continued to be as a young father as I watched with wonder as my children learned French in school and were able to converse in the local language on their summer vacations.

In the language of healthcare our two countries could not be more different.  The U.S. and Canada took different forks in the road back then.  Healthcare became a government service in Canada and in the U.S. it became a right bestowed by your employer.  Now, because of escalating costs, U.S. healthcare has become unaffordable to many millions of people and employers are curtailing or limiting coverage for their employees.  For all of its short falls, the Canadian system works for the majority of Canadians.  The U.S. system is failing many more individuals then Canada.

Today it is more important to buy insurance if you are a Canadian coming to the U.S. or if you are a U.S. citizen traveling to Canada.  Whether you are an international student, traveling on business or just on vacation you need travel medical insurance; MultiNational Underwriters of Indianapolis, Indiana is a leader in the travel medical insurance industry.  Atlas Travel Medical Insurance has been the brand of choice since 1998. Go to www.mnui.com to learn more about the company and its products.

December 13th, 2007 - Author: S. Lenka

Fascination to study abroad among Indian students has always been there. Over the years the fascination has grow exponentially. Bringing home a foreign degree is a matter of pride and prestige and a job becomes guaranteed. The other advantage of a foreign degree is the ample number of jobs available in the marketplace for foreign return students.

Apart from guaranteed jobs, things one learns abroad are always filled with new experiences. The focus of foreign universities is very clear: they would emphasize more on practical training and less on class-room lectures.
The cost of study in foreign universities varies widely among institutions and the cost of living varies from place to place. Apart from published costs students must prepared to cover hidden costs – which include:

• Personal expenses
• Costs when residence halls are closed,
• Health insurance
• Change in the value of currency, etc.

The students in abroad are seeking medical care during their study. Sometimes the expenses are too high, that a student may not able to continue his/her study further. So, it is wise to make International students insurance policy. The policy helps to pay the medical bills and to take the help of expert doctors during the need. When you purchase health insurance, the premium (the money you pay) is used to pay the medical bills during any health care. Your coverage remains valid only as long as you continue to pay your premiums. Once you purchase insurance, the insurance company will give you an insurance identification card for you to use when you seek care from a hospital or doctor. The insurance company will also provide written instruction for reporting and documenting medical expenses (filing a claim). The insurance company will evaluate any claim you file and make the appropriate payment under you policy. In some cases the insurance company pays the hospital or doctors directly; in other the company will reimburse you after you have paid the bills.