April 21,2008 Author: A. Subrahmanian

For the past several years there is a large surge in the number of students travelling abroad for higher studies. Many of them are flying across the border to get quality education in the form of graduate and post graduate programs. As the world has become a village quality education has become accessible to those who aspire for the same. Out of many countries which welcomes foreign students for education United States, United Kingdom, Singapore and Russia some of the all time favorites.

Do you have plans to travel abroad for studies? You might have selected your university, You might have selected your stream of study. You definitly have thought of and arranged your accomodation, your food, your clothes and how to call back home etc. Have your ever thought that what will be situation if disater strikes on your health or you loose your belongings like passport or other valid documents while you are in a foreign country. Keep in mind that your friends and relatives are not with you to ask for help. I am sure that one will feel like he is in a no mans land. While in a foreign country you should be secured enough to handle these type of tragic situations. A student medical insurance or a student travel insurance will be a precious asset to be secured. Consider buying a International Student Medical insurance policy while going abroad for your higher studies and be good at your studies.To more about student insurance policy get a Free student insurance quote , visit the website www.mnui.com.



March 3, 2008 - Author: J.Seay

In the US, we live in fear everyday, we live and breath in the day of insurance :). We have life insurance, term insurance, house insurance, car insurance, health insurance , computer gadget insurance, malpractice insurance, and I carry my student malpractice insurance all the time. We say we are a nation who believes in freedom but I think we are a nation that is slaved to fear :). But, having say that, it is still the best nation on earth and how do you make the most out of this scenario ? Well, to me, having insurance give me a piece of mind. I know when I bang my car into someone else, I know it will be taken care of and I sure will not walk around without my student insurance, would you ? If you do, I am sure you are a Spider man incarnate 

Study abroad is one of the most popular trends now among students these days. A lot of colleges offer a College Study Abroad Program. If you do sign up for such program, bear in mind that you will need to protect themselves should a medical emergency occur during an international stay, especially if it requires an emergency medical evacuation and/or transportation services. . Your parent’s policy probably will NOT cover you when outside of you home country. It would be cheaper to consider buying an International Student Medical Insurance policy or Student Travel Insurance for their next semester away from home. You might be interested to find out the Free Quote for Student Insurance





Climbing Kinabalu
January 18, 2008 - Author: R. Davis

Mount Kinabalu is not a technical climb, means that you don’t have to bring any special equipments or apparatus to help on your climbing. It’s a straight forward climbing, and some climbers considered it as a hiking activity.

There’s always risk on any climbing activities. As long as you are moving up or down (against or towards the gravity), you will definitely exposed to danger of falling, which may leads to injuries. Depending on your condition, falling down can be really trivial but sometimes can be dead serious.

I will write about fall at the end of this article, but let’s get through 8 most common injuries on climbers, in which I have divided it into 2 main groups:

  1. 4 Injuries from the climbing activities itself,
  2. 4 Injuries from the exposure of our body to the environment.

Emergency Room

4 Injuries from the climbing activities

1. Foot
The most common minor injuries to your foot during the climb is blisters. It can be caused by unsuitable shoes, as wearing a pair of shoe that is not your size will increase friction of your feet with the padding of the shoes. This friction can leads to annoying blisters which could really spoil your trip.

Wearing unsuitable socks can also be one of the causes, as nylon & polyester material will not absorb your sweat properly and they usually are not thick enough to do it. Thick socks from wool material is the most suitable, as it could absorb sweat, isolate heat (which will help you warm your feet at the peak) and protect your feet from friction with the inside padding of the shoes (which could leads to blister formation). Cotton socks is unsuitable as you are at risk of hypothermia as it retains water.

2. Hands
Hand injuries usually happened at your second stage of your climb, where you use it almost all the time to hold the guide rope on the Summit Trail. As the trail is more than 13,000 feet above sea level, low temperature and strong wind will almost definitely make your hands cramp and numb, unless you use one, or even 2 pairs of gloves to protect it.

It depends on your preferences, some climbers like to wear water-proof gloves, but I opted with some normal cotton wool gloves that is usually use by local construction workers. And I wear 2 pair of those.

3. Upper body (trunk)
Most climbers will climb Mount Kinabalu with less than 10kg of backpack. Unless you need to spend more than 1 night, it is really not necessary for you to bring more loads, as excessive loads could injure your upper back muscle, especially if you don’t have enough training.

Shoulders, upper back and spine, and even your lower back muscle is the most affected, as moving your body uphill with the loads actually increases your potential energy, which means you need more energy to do the work. By this, it is more prone to get injury.

4. Legs and lower limbs
The body part that is primarily used for Mount Kinabalu climbing. Can easily get injured at almost every part - the bone, muscle, tendon and ligament - unless you have a good workout and training for this kind of activities.

Your muscle will be used to the limit when you climb uphill, but it is your joints that is working during your downhill climb. As climbing down releases potential energy, you joints works to absorb more shock with every footstep to stop motion instantaneously.

4 Injuries from the exposure of body to environment (or some medical professional describe it as illness).

1. Hypothermia
Hypothermia is a condition in which your body temperature drops below that required for normal metabolism and bodily functions. This condition could happen while you are on the bare rocks of Kinabalu, 13,500 feet above sea level. The temperature can drop to below 5 degree Celsius, and prolong exposure to this environment can leads to hypothermia.

Most climbers will wake up at 2am in the morning to start the second phase of the climb through the cold darkness. You will be exposed to cold temperature for about 4 hours - which can be really cold if it is raining and windy. Wearing thick clothes and maybe a simple raincoat will reduce the risk of hypothermia.

*Do you know that the cause of death of Ellie was hypothermia?

2. Dehydration
Dehydration is a condition in which our body contains an insufficient volume of water for normal functioning. During the first phase of the climb, your body is exposed to fluid loss from sweating. You may exposed to dehydration if you climb uphill without consuming adequate water, especially in a hot and/or humid environment of lower zone of Kinabalu.

That is why the authority have set up huts on the Summit Trail with untreated water tanks for you to refill your water bottle on your way up and down the mountain. Drink a lot of water on the way - better still put a sachet of oral rehydration salt into your water to replenish the electrolytes that you have loss from sweating. You can easily get fatigue if you are dehydrated.

3. Altitude sickness
Altitude sickness, also known as acute mountain sickness (AMS) or altitude illness is a pathological condition that is caused by acute exposure to low air pressure (usually outdoors at high altitudes).

It commonly occurs above 2,400 meters (approximately 8,000 feet). Bare in mind that Laban Rata is at about 11,000 feet above sea level. This condition is caused by reduced partial pressure of oxygen, while the percentage of oxygen in air remains essentially constant with altitude at 21 percent.
*I have explained about altitude sickness here.

4. Internal organ illness
Is what happened to your internal organ when exposed to all external hazard - the weather, the altitude, the heat, the food, the water, the environment… You name it… As the list go on, this is what you have to bear in mind.

You could experience just about any illness that is related to the hazard. You may have to prepare yourself with a good first aid kit to relieve the symptoms, hoping that it would not hinder yourself from conquering the highest peak of Borneo.

Fall
I could not categorize fall in either of the group above. While all the above known injuries could be prevented with a good preparation before and during the climb, falling is not. A lot of external factors that could leads to fall - as you are climbing against and towards gravity.

Wet boulders and rocks can be very slippery sometimes. Wrong judgment and misaligned foot while walking through slippery surfaces can leads to fall. It is not about the mountain all the time, but climbers can sometimes be careless and ignorant.

Air Rescue

What could happen if you get injured from a fall?
Porters of Kinabalu have a very systematic way of lifting injured climbers down the mountain. As what Leong have wrote on his Multiply page, the only way available (at this moment of time) is to strap the injured climbers on a stretcher and bring them down carefully.

There are some issues on air lifting injured climbers down from Mount Kinabalu by helicopter, and up until now, it has not been totally resolved.

However, we have good news for climbers who are concern about their safety. Insuring your trip to Mount Kinabalu may alleviate your anxiety if anything happen. Multinational Underwriters’s travel medical insurance policies have an optional “Sports Rider” that will cover you when you do hazardous sports. They could provide airlifting for any emergency medical evacuation, and could cost over $30,000 depending on the location and rescue. Check it out.


The insurance industry continues to evolve.  New products are introduced… some succeed, some fail.  One product, however, that continues to survive the cyclical nature of the industry is short term health insurance.

Perceived as probably one of best values in health insurance short term medical insurance offers an affordable solution for many consumers and situations.  Some of the more common needs include college students and recent graduates, young adults who are no longer eligible on their parents’ plan, employees transitioning between jobs or waiting for group health benefits to kick in, those seeking an affordable alternative to COBRA coverage, individuals not yet eligible for Medicare coverage, and part time employees.

Recently MultiNational Underwriters, an Indianapolis based company, has created a new category that may be added to this list… new residents of the United States.  This company very recently started marketing a plan called Amigo Medical.  The design of this plan provides anyone who is legally residing in the United States to apply for coverage without providing proof of citizenship, and without restrictions on prior length of established U.S. residency.

In the past I have talked with many consumers who did not have an option for health insurance because either they had not lived in the U.S. long enough to meet the residency requirements of health providers or because they did not yet have a security number.  This innovative short term medical plan also offers a copay benefit which is virtually unheard of with short term medical plans.  Click here for a free quote and to learn more.



January 17, 2008 - Author: A Davis

Going on vacation involves some formalities that are not very exciting but if you neglect them it could cost you dear. Passports and visas are obvious, but good travel insurance is something that many travellers fail to research - to their cost.

You cannot rely on your annual medical insurance if you are going abroad, but you can view several affordable plans here - they have different ranges of travel cover depending on your age and destination. This is money well spent so you can go on vacation knowing you are covered against emergencies.  On the website you can also get a free travel guide to help you explore the benefits of your destination before you arrive - just leave your email address and destination and your holiday guide will be sent to you today.  


January 14, 2008 - Author: Spice

Growing up Sean was on a soccer team that used to travel outside of Ireland. Most of the games they played were in Ireland but every once in a while they'd play over in England. Now doing this was a bit risky only because if he got hurt playing soccer outside of his country, their insurance would not cover it. Now this was a long time ago, but it's the same today. Say, for some reason, Tristan's team made the states and then the nationals and then for some reason had to go and play outside of the United States - he would not be covered by our insurance if he got hurt. There is a travel medical insurance you can get from MultiNational Underwriters that helps you out just for this type of thing. I was told by Tristan's coach to Check it out for the team "just in case". (And that's a BIG 'just in case'). I did find out that they offer a "Sports Rider" that you can add to your insurance. From what I found it it's very affordable and covers the player if they get injured. Personally, I think this is an awesome idea. I don't forsee us needing it in the near future, but as the kids grow older it's nice to know it's out there. Who knows, maybe one of our kids will want to study abroad over in their daddy's homeland of Ireland and if they're still into soccer then like they are now, this insurance could come in handy! I can see my little guy going to college in Galway and playing on their Rugby team. We'd definitely need it then!


January 11, 2008 - Author: Villaruel J.


Yes we're all psyched about the Olympics, aren't we? We've got our airline tickets, made hotel bookings, stadium tickets and we probably stashed away some savings for our pocket money too. The Olympics is just around the corner but are we all prepared for everything? How about medical coverage for the trip to China? Okay if you think your current health insurance will cover your travel to Beijing, better check your policy again. There's a huge possibility it won't. If it doesn't cover travel abroad, then there's another thing to prepare for isn't it?

Why would you need a travel medical insurance you say? Well, first of all it's China! They don't exactly have the best records in environmental cleanliness and food safety as you may have found out by now. Up until now Beijing is still working on getting their act together in cleaning the Olympics area. Who knows if they'll be done when people get there? Of course, there's also their notoriously weird food menu. Can you say "Barbecued Bear Ribs" or "Eggplant prepared under mysterious circumstances"? These are actual Chinese dishes I tell you. I've had my share of weird Chinese myself and let's just say I wish I had insurance at that time.

o, if there's no turning back now, you might as well get travel medical insurance for everybody making that trip. A little investment now can go a long way you know. Before you check anywhere else, visit MNU for a FREE Quote today. I've checked them out already and found their best rates are much affordable compared to the rates of other providers that I also checked out.

With China's pollution problems and weird food, getting travel medical insurance coverage is an absolute must.


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.


November 29th, 2007 - Author: destination

Traveling does not mean to pack your bag & walk on to visit the destination. Firstly planning is more important to focus on that destination than secondly after planning the more important & careful point is that we should do travel medical insurance which help us in many ways while traveling to a great destination. The travel medical insurance facility can help you to get rid off the interrupted glitches & emergencies even if you lost your luggage, you slip or you need a medical treatment.

At that time the medical insurance will be helpful definitely to get free from the entire above given medical problem, which you face during the traveling time. Therefore many of the travelers are getting the free quote before they start their journey. For a FREE Quote click here & get the travel medical insurance advantages. Lets be happy during journey & have a nice time with our family & friends.

Comments: November 29th, 2007 - by sallyontour

You are right about planning and the importance of insurance.

However, a friend of my sister's is planning to surprise his girlfriend with a trip to Goa (he has told her they're going to Scotland). He has ignored all advice that they will both need to be vaccinated and take malaria pills before they go; he says he will pop into a chemist shop when he gets there. He was also sure they did not need visa, but has since said he will get those from his doctor! Travel insurance cannot, unfortunately, provide for complete idiocy!


Wednesday, November 28,2007 - Author: zingaresca - The Expat Guide

If you are reading this site it is probably because you are wanting to move overseas. Kudos to you for that! And I am right there with you!

Now, before you make that move you will likely be traveling trying to figure out where you want to go and whatnot. If that is the case, do not let a medical disaster bankrupt you and sideline those dreams just because you were not carrying travel medical insurance.

If you have medical insurance through an employer or something then you may think that you are fine. Well, think again! A lot of travelers end up finding out the hard way that their medical insurance only provides coverage in their home country or only pays half of the costs. And considering the current exchange rate with the dollar being so low, that half could be a lot.

Why not just get a a travel medical insurance policy. Did you know that you can get one for as little as $1 a day?


November 28, 2007 - Author: A.Davis

One of the biggest threats to your next holiday would be the chance of getting sick without adequate insurance cover. The mistake that many travellers make is to assume that their regular medical insurance is in force for their trip, only to find that the policy extends simply to your normal country of residence. To avoid this danger on your next vacation, make sure you are covered!


By Marisa | December 1, 2007

We’re still waiting to find out if Brian will be heading back to Hawaii this winter to work. Jesse is looking into another stone job so that’s a possibility. This one could last a while and if it does, Brian is considering a vacation to Australia for a week or so. That’s always been his dream.

Traveling out of the country, though, presents some different challenges. For one thing, health insurance that works perfectly in the US may not cover you in other countries. Did you know that? Apparently, some insurance plans will pay up to 50% but others will pay nothing. That’s a scary thought when you’re in a different country, so far from home.

I’ve been comparing prices on Travel insurance and found that for just a dollar or so a day, I can purchase travel medical insurance. Brian doesn’t usually get sick and even when he does, he seldom sees a doctor. However, you just never know when sickness or an accident will happen. It’s really best to be prepared. From what I’ve read at MultiNational Underwriters, there are several different plans available. That should make it easy to find the one that works best for our family.

If you’re traveling outside the US, you might want to look into a similar plan. Just Click Here for a FREE Quote to see how reasonable these rates are. In fact, if we decide to travel to Canada next summer (we’ve been planning it for two years!) I’m going to look into rates for families, too. I’m more concerned about the kids than I am about myself. Must be the mother in me.

Topics: Health, Travel  

2 Comments

  1. mikster (6 comments.) on 02.12.2007 at 10:20 

    I’ve never given insurance a thought when traveling outside of the country. Good info to know.

  2. Dorothy Stahlnecker (48 comments.) on 02.12.2007 at 22:12

    Thank you, I never thought to ask, nor did I think about it..
    I’ll check our policy and be sure to check from now on. This is very serious….and I could just see one of us having a problem..recently we were in Sicily and I opted not to take insurance thinking ours would cover us…

    I’m glad your letting your readers know this as well.

    Dorothy from grammology


December 2nd, 2007 - Author: Colleen

If you’re spending thousands of dollars on your dream vacation, it makes sense to spend a few extra dollars on insurance to protect you, especially if you’re traveling outside of your home country. What would happen to you if you injured yourself on that trek through the rain forest in Belize? What would happen if you feel ill in Prague? Do you think the local doctors are covered under your regular insurance? I don’t think Blue Cross Blue Shield has that far of a reach!

I’ve seen people get sick on trips and end up paying BIG bucks for medical care they received. There was the guy on our cruise who had heart issues while snorkling, and the family member who fell ill in Panama. Getting sick in another
country equals big bills for you - can you imagine the bills if your insurance company only covered 50% of your claim…or nothing at all?

Travel medical insurance can cost you as little as $1 a day, and the cost is well worth the coverage you’ll get. Maybe nothing will happen on your trip…but peace of mind is worth the money. For a FREE Quote, click here, and let your next trip only cost you the cash for airfare, hotel, and food - not a hospital bed.


November 29th, 2007 - Author: R.David

Coming to Sabah and climbing Mount Kinabalu sounds really fun, but what would you do when “worst case scenario” happen?

Are you insured for this event?
Photo by pearlworld

Lets say while travelling with a public transport from Kota Kinabalu to Kinabalu Park, you involved in an unfortunate event - a landslide happened a few kilometers away from Kinabalu Park entrance, and the bus that you take fall into a 30 feet ravine. The stretch from Tamparuli to Kinabalu Park is well known to have intermittent landslide, especially so during wet season.

The question here is: Are you well prepared for that event? We know that the risk of you getting into such position is very small, but what if you are one of the survivors?

For foreign tourist and travellers, the event can actually cost you a lot, unless you are prepared. It is an emergency situation, and you may need immediate medical care that could save your life.

Generally, what you need during the events are:

  1. Emergency ground and/or air ambulance.  As most of the time in Malaysia, emergency medical services are operated by government body, you may have to use the resources that they have. Frankly speaking, ambulance services in Tamparuli-Kundasang-Ranau stretch are provided by Hospital Ranau, and the services can sometimes be dissappointing.
  2. Hospital in patient care and medication. Depending on the severity of your injury, intensive care management can be really expensive, especially if you are treated in a private hospital in Kota Kinabalu. It is not that government hospital is bad, you will get more attention in private center.
  3. Outpatient services for less serious emergencies. If you are lucky to survive the event with just a minor injuries, outpatient treatment can always be obtained from any clinic around, but Malaysian government may give you a special attention in the emergency department of the hospital.
  4. Doctor’s fee. Private practice and government medical center have a very different fee schedule. You may want to spend a bit more to get a better services from most of private center here.
  5. Emergency related travel expenses. If your injuries are severe, and need a special attention and treatment from more specialize center, you may have to fork out your own money for the travel related expenses. The most frequent example that I encounter is decompression sickness (for SCUBA divers). Patient have to pay for the transport and ferry to Labuan to get to the decompression chamber for treatment.

You may be fit and healthy before the climbing trip, but you may not be ready if thing goes wrong along the way.

You may need to consider having a travel medical insurance to ease the burden of these kind of travel medical expenses, especially so if you are travelling from abroad. Having medical problems and accidents outside your country can really be devastating, and most of the time will disrupt your travel plan.

I know that shopping for travel medical insurance can be really difficult, but just consider these few points before you sign on the dotted line:

  1. Try to compare various policies of the travel medical insurance packages available.
  2. Know the limits of your coverage for your medical emergencies and treatments.
  3. Make sure you know what are the definitions for important terms like pre-existing condition, medically necessary, stable and controlled condition, or re-occurring condition.
  4. Know the exclusion or exemption of the policies. *As climbing can be categorized risky activities, accidents or injuries during your climbing process may not be covered by the policy. Check with your insurance provider about the possibility of including it. Bare in mind that insurance provider could have a different clauses for the inclusion, and you may have to pay extra for it.
  5. You may want to consult a licensed insurance agent or broker about the types of travel health insurance products available to you.

Click here for FREE quote


Published by French Immersion under Holidays, Insurance, Learn French in France, Study abroad, Study in Belgium Author: S. Glassee


If you are planning to study abroad say under a College Study Abroad Program, it is important to ensure that you have the relevant medical insurance.

This should not only cover medical treatment during an emergency but also evacuation and/or transport services. www.mnui.com offers college study abroad insurance coverages at very affordable rates.

You can Visit this site for a FREE Quote.


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 Whether on a cruise, hiking in the mountains, or just relaxing by the poolside, you never know when a medical emergency
may occur. Just to be airlifted to the nearest hospital could cost you from $25,000 to well over $100,000 depending on the
type of evacuation/transportation and hospital location. 

Then, many travelers find out, when it’s too late, that their current medical insurance provider may NOT cover them when outside of their Home Country. Others may find out that their current insurance company could only cover 50%
of the claim. It would have been cheaper to just purchase a travel medical insurance policy for as little as $1 a day, which would include emergency medical evacuation coverage. 

 I think you’ll agree… 

 Why put your assets at risk when you can get the piece-of-mind for just dollars a day? 

MultiNational Underwriters® is very popular among travelers when choosing a travel medical insurance policy.  Consumers usually add the price of the insurance to their vacation package when planning their trip. You can get a FREE quote for cheap travel medical insurance HERE!