Patrick Harwood

A traveler may suffer a sickness or injury while he's in a foreign country. A domestic insurance policy may not cover the cost of airline tickets that allow the traveler to immediately return to a hospital in his home country, and it may…

Most cruise lines offer limited insurance included in the purchase of your passage. When planning a honeymoon or a dream family cruise vacation, consider purchasing supplemental travel insurance to provide protection and financial…

Primary insurance is the insurance you presently have through your employment or a private policy. Medicare and Medicaid are also types of primary insurance. Secondary travel insurance is simply insurance coverage that pays during your…

Business travelers commuting to international destinations know that if something can go wrong, it probably will. Medical treatment at a foreign destination may be limited or prohibitively expensive. Many countries require that visitors…

Medical treatment in a foreign country can be quite expensive. Even a minor injury, dental problem or medical event can generate very large expenses. Healthcare insurance for visitors to the United States is required, especially for…

If you are planning a dream vacation, a humanitarian relief mission, or student or business travel, you need travel insurance. Travel insurance offers protection and reassurance. Accidents happen or a medical event can disrupt a trip.…

Group travel insurance is an insurance policy that covers multiple persons traveling on the same itinerary. Group travel insurance is often offered by tour operators or travel agents that arrange transportation, accommodations and tickets…

A trip can be the highlight of your year, but sometimes the best plans do not go as anticipated. A lost bag, a missed flight, a canceled tour or an unexpected illness can ruin a vacation. Travel insurance can at least take some of the…

As the ancient philosopher Aristotle said, it is in the nature of probability that improbable things happen. Nowhere is this truer than in some far-off place, where the people and lifestyles appear a little reckless, and the streets do not…

Sea trails are specified paths through oceans, gulfs and waterways that are popular with recreational boaters. If you own a luxury yacht that you sail yourself or lease out for chartered use, it is extremely important that you have a…