CANADA

Canada is our featured country. Not only did Vancouver host the 2010 Winter Olympics, but their Canadian Hockey team won the Gold Medal

Canada is the largest trade partner of the US, accounting for 20% of US exports (first place) and 16% of its imports (second place just after China).

Canada is an advanced economy. The country is a leader in biotechnology, chemistry, digital media and medical devices. Canada is also one of the largest exporters of agricultural products, plastics and automotive in the world. Visit Industry Canada to get more information about Canadian industry.

The country has a market of 33 million. Canadians are mature consumers: they benefit from a standard of living that is one of the highest in the world and they are aware of the problems of the environment and over-consumption. Natural and environment-friendly products are preferred.

To build your business with Canada, take a look at Canada Business, where you will find a lot of practical information such as “Starting a Business,” Import/export, Selling to the government, etc. And don't forget the website of the U.S. Commercial Service in Canada. The site gives extensive information about the market with news and guides, and it lists many conferences, trade missions and training sessions.

If that's not enough, you'll also find plenty of good research at the Canada Mini Portal, a feature of the FITA Web site. The Canadian Mini Portal has an overview of Canada, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Canada.

You can find Visa and Immigration information at Taking Up Residence which advises:

Citizenship & Immigration Canada (CIC) is the agency which oversees all applications for temporary and permanent residency. They work in conjunction with the Canadian consular agencies and embassies located worldwide (270 locations in 180 countries) where the process for immigrating to Canada begins.

Your country of origin will determine if you will need a visa. A list of countries requiring a visa is available on the CIC website. Even if you do not need a visa and intend to immigrate to Canada on either a temporary or permanent basis, you will need to start by visiting a Canadian consular agency or embassy in your home country. Keep in mind that permanent residency applications can only be submitted from your country of residence or nationality, or where you have lived legally for at least one year.

Permanent residency application processing times vary by circumstance and location. They can take from as little as five months up to 70 months. The CIC website provides a country-by-country average that can provide you with a better idea as to how long it may likely take to process your application.

The process and what types of documentation needed for filing permanent residency will depend upon which type of application you file: skilled worker, business, or family. The procedures, steps, and fees for each of these are clearly outlined on the CIC website. In some situations, you may be able to initiate the process online. Another useful website which can answer many questions regarding the Canadian immigration process is Going to Canada.

Medical care is socialized and the Medicare system is adminstered by each province. I've heard mixed reviews of the quality of care including long waiting periods. Individuals can supplement their national health care benefits which can help reduce waiting periods for critical medical care as well as giving you the option to choose your own doctor. Our Global Citizen International Health Insurance plan covers US Citizens in Canada and gives you the freedom to choose a private physician or medical hospital or return to the US to receive quality medical care. Call us at 800.647.4589 for a free quote.

Most Dangerous Countries

According to Forbes Magazine, below is the list of the 15 most dangerous countries.
15. Zimbabwe
14. Columbia
13. Haiti
12. The Sahel (border of Algeria, Nigeria Mali & Mauritania)
11. Chad
10. Nigeria
9. Russian Caucasus (Chechnya, North Ossetia, Daghestan
8. Guinea
7. Democratic Republic of Congo
6. Yemen
5. Sudan
4. Pakistan
3. Somalia
2. Iraq
1. Afghanistan

The list was determined from information from IJest, Control Risk and the US State Department. Read the article at Forbes.com.

If you are traveling to these regions for business or as a consultant, then we recommend reviewing your current health, life and disability insurance. Most traditional health health insurance policies do not not cover illness or accidents due to war and terrorism and most life insurance policies do not cover loss, death or dismemberment from acts or war and terrorism.

ISA Global Benefits specializes in providing high limit health, life and disability insurance for individuals traveling, residing or working in high risk areas. For more information regarding their individual and group benefit insurance products, please visit their website www.overseashealth.com/iraq.

Best and Worst Health Care - Comments from Expatriates

I was reading a recent LinkedIn post with comments from expatriates and consultants who have received medical care abroad. A few responses that stood out were:

Japan: The worst I ever experienced. Doctors there consider themselves as gods
so they don't talk to you even if they speak English. Surgery practices are
dangerous, I spent 4 weeks in an hospital for a badly broken leg and I almost
died of pulmonary embolism because of no prophylaxis to prevent coagulation and
old medications used

...I am far from impressed by the UK national health service (NHS).
If you go private, you're ok

Having lived in the UK for more than 6 years, I have (luckily) rarely
experienced the NHS first-hand. The worst that happened to me was to be given
painkillers to cure a throat infection. However several of my friends have had
very bad experiences, having to wait days to see a doctor, being given treatment
that made them worse and in the last resort having to "flee" across the Channel
to France in order to get a decent treatment!

I love the Netherlands, but the health system actually made me move.

Albania is pretty bad. If the Albanians can afford to they get medical attention
outside the country.

...middle eastern physicians never heard of privacy

Many US Citizens are accustomed to the medical attention we have access to in the USA and one of the many benefits our our Global Citizen and Travel Gap policies is you have access via the web, smartphone or telephone to a carefully selected international network of physicians and medical centers. You can review their credentials, get directions and they all speak English; however, you can also choose a doctor of your choice. Get a quote today at http://www.globalcitizeninsurance.com/plans.htm.

Quote of the Day

"We make a living by what we get. We make a life by what we give." - Sir Winston Churchill

Are you volunteering abroad? Do you plan on joining a relief team? If so, then purchase our Travel Gap travel medical insurance for short-term mission trips. Get an Instant Travel Medical Quote.

After the recent earthquake in Haiti a client of ours had to be medically evacuated. View the news realease here. For a few dollars per day, you can limit the financial risk of an unforeseen illness or accident. In addition to the excelletn medical benefits, the Travel Gap features emergency medical evacuation and 24 hour worldwide assistance.

Do you trust your domestic insurance policy can provide adequate international assistance? Can they arrange emergency medical evacuation or dispatach a trusted doctor if you need immediate medical care? If you do not, then check our Travel Gap travel medical insurance and have peace of mind on your next international trip.

Featured Country: Germany

Like all European economies, Germany did not escape the international economic crisis. Its economy contracted 5.3% (according to IMF estimates) in 2009, one of the most serious recessions in Europe. The German government rescue plan to bolster the banking system (around 500 billion euro) has restored confidence. A small positive economic growth rate of 0.3% is expected for 2010.

With its 82 millions inhabitants, Germany is the biggest market in the European Community. The country has a long history of industrial development and offers opportunities for potential subcontractors in the automotive industries, machinery and equipment, chemistry, information technologies, etc.

The German American Chambers of Commerce, based in New York with branches in Atlanta, Chicago, Houston, Philadelphia ! and San Francisco offer a broad range of services to their member companies and their websites offer good resources for doing business with Germany. For further details also visit their joint web portal.

Germany is also the location of many of the largest trade shows in the world. The largest of all is the Hannover Messe, this year to be held April 19-23 in Hannover. In 2010 the spotlight of the Messe will be industrial automation, energy, technology, industrial subcontracting and cutting-edge technologies. U.S. companies should consider exhibiting at the fair in the U.S. Commercial Service’s American Business Center, co-sponsored by FEDEX and Hannover Fairs USA.

To find business partners and sources for German goods take a look at the Federal German Ministry of Economics and Technology’s eTrade Center, a database of most German companies that are looking for trade opportunities. For Visa, Education and Business Travel, look at the Website of the German Missions in the United States. And for other general purpose and more useful links, visit Deutschland.de , the German Information Portal. If you are needing international health and life insurance, then visit http://www.globalcitizeninsurance.com/ or http://www.worldwidemedical.com./ don't forget also the website of the U.S. Commercial Service in Germany. The site gives extensive information about the markets and business culture there.

If that's not enough, you'll also find plenty of good research at the German Mini Portal, a feature of the FITA Web site. The German Mini Portal has an overview of Germany, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators and tips on doing business in Germany.

180 Day Search Begins For Best Place To Live And Retire

Beginning January 17, 2010, world traveler, and published author Michael Manville will embark on an eye-popping 180 day “amazing race”… Read more and follow the journey at http://www.retireworldwide.com/554/180-day-search-begins-for-best-place-to-live-and-retire.htm

Kuwait

Kuwait is a small country of 2.7 millions inhabitants on the northeast of the Arabian Peninsula on the northwestern coast of the Persian/Arabian Gulf. Kuwait City is its capital city.

Kuwait is a resource-rich nation that has lagged behind other countries in the Middle East in attracting foreign direct investment. Since Saddam Hussein invaded nearly two decades ago the aftermaths of the war still affect every Kuwaiti family and the war’s consequences still limit economic expansion. On the other hand, Kuwait has many ingredients necessary to expand rapidly: a strategic location, a strong regulatory system, abundant oil reserves, and, perhaps most important of all, a new generation of entrepreneurs, as reported in the January 2009 edition of the US-Arab Tradeline (published by the National US-Arab Chamber of Commerce).

Kuwaitis are beginning to invest at home in infrastructure development, tourism, banking and finance, information and communications technology, and commercial activity of all kinds. This will help to diversify the economy and to create new import needs. In Kuwait, the import penetration rate is already the highest in the world: 90% of the goods that are consumed are imported. To follow the latest developments in the country, visit the Kuwait News Agency. You will find a summary of business laws and regulations on Kuwaitiah.net. And if you need the texts of those laws and regulations, you can find them on the website of the Public Authority for Industry.

Also don't forget the website of the U.S. Commercial Service in Kuwait. The site gives extensive information about the markets and business culture there.

If that's not enough, you'll also find plenty of good research at the Kuwait Mini Portal, a feature of the FITA Web site. The Kuwait Mini Portal has an overview of Kuwait, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Kuwait.

From http://www.fita.com/

US Embassy in Uganda Issues Warning

U.S. Embassy Kampala issued the following Warden Message on January 8:

American citizens living in Uganda should be aware of the following excerpt from a January 8 Warden Message passed to American citizens in Sudan by the U.S. Embassy in Khartoum with regard to potential threats to civil aviation involving flights between Juba, southern Sudan and Uganda: "This Warden Message alerts American citizens in Sudan to a potential threat against commercial aviation transiting between Juba, Sudan and Kampala, Uganda. The U.S. Embassy has received information indicating a desire by regional extremists to conduct a deadly attack on board Air Uganda aircraft on this route. While the capacity of these extremists to carry out such an attack is unknown, the threat is of sufficient seriousness that all American air travelers should be made aware. Air travelers on any airline and route should maintain vigilance at all times, and should report any suspicious behavior to the proper authorities."

newtondailynews.com | Tragedy exposes hard truth about high-seas health coverage

newtondailynews.com Tragedy exposes hard truth about high-seas health coverage

Are Foreign Nationals Eligible For Australian Medicare

Temporary visa holders are not eligible for Austalia's national Medicare system. If you intend to permanently reside in Austalia and meet the necessary residence requirements, then you may be eligible. We advise contacting the Medicare office. You can visit them online at http://www.medicareaustralia.gov.au/.

You do have the option of purchasing private health insurance. Click Here for a free quote.

Featured Country: NORWAY

Norway is on the northern edge of the European continent and the eastern edge of the Scandinavian Peninsula. More than 50% of its border is the maritime coast of the Barents, Norwegian and North Seas.

Norway is not a member of the European Union. Together with Iceland, Liechtenstein and Switzerland, it is part of the European Free Trade Association. But because Norway is also a member of the European Economic Area, economic rules are the same as the European Union for several industry sectors.

Norway is a small country of only 4.8 million inhabitants. Nevertheless, the country is the third largest oil exporter in the world and the second largest seafood exporter. 60% of the country’s trade is with other European countries. Services such as maritime freight, finance and services to enterprises make up 50% of Norway’s GDP.

To evaluate business opportunities with Norway visit Nortrade, the official Norwegian trade portal. The website provides Norwegian business news, industrial studies and directories of Norwegian companies indexed by industry sector.

To learn more about the country, visit Norway.org, the official site in the United States, or the website of FITA member association Norwegian-American Chamber of Commerce. And don't forget also the website of the U.S. Commercial Service in Norway. The site offers extensive information about the markets and business culture there.

Medical facilities are widely available and of high quality, but may be limited outside the larger urban areas. The remote and sparse populations in northern Norway and the dependency on ferries to cross fjords of western Norway may affect transportation and ready access to medical facilities. Click Here for an International Health Insurance Quote.

According to Corporate Risk International, while Norway enjoys an extremely low crime rate, criminal activity has increased over the past few years. The rise in crime rates is attributed to the increased use of narcotics and activity of criminal youth gangs. Instances of pick-pocketing and purse-snatching are common in major tourist areas, train and transit stations, hotel lobbies, and high transit areas. Thieves, many from Eastern Europe, have been known to break into homes both during broad daylight and at night, while the occupants are asleep. Residential burglaries and petty thefts are the most prevalent crimes, with the former witnessing a 37% increase in 2008.

In July 2008, at least 16 tour buses, nearly half from Spain, were vandalized at various locations in Oslo, causing some tour operators to consider halting trips to the city. In one instance, a bus carrying Spanish tourists was set on fire near the new Opera House on the waterfront just two days after its windshield was smashed. Two other buses parked in the Vika district had their windows smashed and a number of valuables, including DVDs and a GPS device, were stolen.

The overall threat of violent and weapons-related crime is low in the city; however, such incidents are increasingly reported, particularly in areas known to have drug and gang activity, including certain areas of eastern Oslo. As incidents of rape and sexual assaults are on the rise, female foreign nationals are urged to remain alert, particularly when walking alone or at night.

Although there is a low risk of terrorism in Oslo, foreign terrorist organizations have been known to operate in the city. According to Norwegian security officials, the terrorist threat in Oslo has risen and Norway may serve as a potential recruiting ground and source of financing for terror groups operating abroad. In addition, several radical Islamist clerics are based in the city and could potentially incite acts of extremism. In February 2008, Oslo police arrested three individuals on suspicion of financing terror groups.

While the threat of kidnapping in Oslo is low, it should not be discounted. Though organized crime exists in Norway, their activities are largely underground and rarely affect foreign nationals.

The overall threat of civil unrest is low; however, there were a number of uncharacteristically violent protests in Oslo in late December 2008 and early January 2009 against the Israeli invasion of Gaza. Several of these demonstrations, which were held largely by groups of immigrant Muslim youths near the Israeli Embassy and in the central parts of downtown Oslo, saw tear gas deployed to subdue violent protestors. On two occasions, demonstrations turned into riots, resulting in attacks on police with fireworks and the smashing of police vehicles. Additionally, at least five fast food restaurants were damaged by rioters, who had apparently received SMS text messages indicating that these restaurants were financially supporting Israel.

In July 2009, about 100 ethnic Uighurs waving their national flag gathered outside China's Embassy in Oslo, demanding that China end violence and ethnic discrimination in Xinjiang. Two people were injured in the protest, including one who attempted to scale the embassy fence, and 11 demonstrators were detained.

Protests against specific U.S. Government positions have been staged at the American Embassy and in the central areas of Oslo. Such demonstrations have remained largely peaceful and have not targeted U.S. citizens.

Oslo police are professional and cooperative, with excellent equipment and an efficient response time. Law enforcement personnel in Norway are well trained and largely fluent in English. Foreigners should note that police will not usually come to the scene of routine incidents such as minor traffic accidents.

Most Dangerous Areas
Crime typically occurs around the main tourist center, including Karl Johans gate and park-piazza area, the Stortinget, the Basarhallene, the Domkirke, the Nationaltheatret, the Royal Palace, the train station Oslo Sentralstasjon (Oslo S), and the bus terminal Bussterminalen. The area around the city's plethora of museums is also home to pickpockets, which includes the areas in and around the Munch Museum, the Viking Ships Museum, the Kontiki Museum, the Fram Museum, the Norwegian Maritime Museum, and the Norwegian Folk Museum. As in all foreign cities, foreign nationals are urged to limit travel after dark and to travel in groups whenever possible.

Where Not to Move

Britain has been voted one of the worst places in the world for expats to live with immigrants bemoaning the high cost of living and tedious daily commute. Read More...

HSBC Bank International commissioned the study of 3,000 expats from 50 countries and reported almost half (49 per cent) of people interviewed said the quality of food in the UK was worse than at home; however, 58% stated the standard of entertainment was better than back home.

Canada was rated as the best place to start afresh, followed by Australia and Thailand.

According to the U.K. Telegraph Newspaper, more than nine out of 10 NHS trusts in England are failing to provide a good standard of cancer care compared with other countries, official figures show.

Katherine Murphy, director of the Patients Association, said “We also know there are still big problems with access to treatments that are 'first line’ in other parts of the world." and “It’s deeply distressing for patients when they hear about treatments that could help them but aren’t available.”

This is one of the reasons why we recommend private expatriate health insurance. Choosing where and when you can see a doctor can provide you the necessary medical care when you need it.

Expat Health Blog

Check out this blog about an expatriates experiences with health care abroad as well as preventative medical care tips.

http://rxpat.blogspot.com/

CDC Promotes Healthy Travel for Students Studying Abroad

CDC is promoting healthy travel for students studying abroad. Whether you are already abroad or plan to go soon, take some time to consider how seasonal and 2009 H1N1 flu might affect your trip.

Why should I be concerned about flu during my study abroad program?

Regardless of whether they are in the United States or in another country, campus environments of most colleges or universities bring many people together in the same place. Students, faculty, and staff of any college or university can get sick with flu and easily spread it to others on campus, as well as in the larger community.
Age can also be a factor. So far, the largest number of 2009 H1N1 flu cases have been confirmed among people younger than 25 years old. This age group is also at risk of getting seasonal flu.

Here is the good news: seasonal flu and 2009 H1N1 flu are not reasons to cancel your study-abroad plans! The CDC has come up with some simple steps you can follow to help make sure you stay healthy and get the most from your study-abroad experience!
Before you go, remember to:

See a doctor.
Get your flu vaccine.

Vaccines are the most important tool we have for preventing the flu. You can lower your chances of getting seasonal flu by getting a seasonal flu vaccine.

Consider getting the 2009 H1N1 flu vaccine to protect against 2009 H1N1 flu if it is available. If you are younger than 25 years of age, you are in a recommended initial target group to receive the 2009 H1N1 flu vaccine.

Symptoms of the flu (including 2009 H1N1 flu) can include:
fever*

cough
sore throat
runny or stuffy nose
body aches
headache
chills
fatigue
you may have vomiting and diarrhea

*You may have respiratory symptoms without fever.

For international travel, CDC recommends that you make an appointment to see a doctor familiar with travel medicine at least 4–6 weeks before you leave. The doctor will review your medical history and your study-abroad program to make sure you receive the right vaccinations, medicines, and information to stay healthy and safe.
Travel only when you feel well.

If you become ill, stay at home or in your place of lodging if you are already abroad, until your fever has been gone for at least 24 hours. If you have severe illness or you are at high risk for flu complications, seek medical care immediately.
Follow basic health tips while you are traveling abroad.

Wash your hands often with soap and water, especially after coughing or sneezing.
Cover your nose and mouth with a tissue when you cough or sneeze. If you don't have a tissue, cough or sneeze into your upper sleeve, not your hands. Avoid touching your eyes, nose or mouth. Germs spread this way. Try to avoid close contact with sick people. Read more at the www.cdc.gov

The U.S. State Department advises that you review your health insurance policy to ensure you have adequate internatinal health insurance which should cover medical expenses for sickness, accidents and emergency medical evacuation. Get a travel medical insurance quote.

7 Life-Changing Financial Decisions U.S. Expats Must Consider to Protect Their Assets and Investments

If you are a US Citizen planning on moving abroad, then I would recommend reading Nick Hodges article about the "7 Life-Changing Financial Decisions U.S. Expats Must Consider to Protect Their Assets and Investments" which include:

1. Taxes
2. Your Pension
3. Offshore Bank Accounts
4. Investments
5. Estate Planning
6. Returning Home
7. Insurance Protection

Many US Expatriates live overseas without the intention of relocating home, but many do and find it difficult to obtain health insurance. Traditional US health insurance is individually underwritten and insurance companies can decline an application or increase the premium based on current and past medical history.

If you are an expatriate or thinking about moving abroad, then we reoommend considering the possibility of relocating back to the US in the future and incidental trips back to the US. We can provide a couple different options which provide medical coverage both in and out of the US or short-term travel medical policies for incidental trips to the US.

Call us at 800.647.4589 or 480.821.9052 and speak with one of our international health insurance specialists or email us at info@globalcitizeninsurance.com

Spot Light on the Philippines

The Philippines is an archipelago nation of more than 7,000 islands, situated in Southeast Asia in the western Pacific Ocean. With about 86 millions inhabitants, the country is the 13th most populated country in the world.

The Philippines is an emerging Asian nation, ranked as a lower middle income country by the World Bank. 60% of the exports of the country are sold to trade partners in Asia. The global crisis has hurt the economic performance of the country. After a GDP growth rate of 3.8% in 2008, the IMF forecasts only 1% growth for 2009.

Metro Manila, also called the National Capital Region, is a conglomeration of fourteen cities and three municipalities. With a total population of 9.9 million people spread out over 636 square kilometers, Metro Manila is one of the largest urban centers in the world. The population density in many areas is greater than 20,000 per square kilometer, and reaches over 41,000 per square kilometer in Manila City. Political instability, terrorist threats, rebel insurgencies, high levels of criminal violence, and widespread poverty make Metro Manila a microcosm of the tenuous security situation throughout the Philippines.

Terrorism risk and a weak business infrastructure in some regions are some matters of concern. But there are many opportunities. The country is open to trade and the only obstacles are some non-tariff barriers. Also, the high skill levels, productivity and the adaptability of the workforce are major assets that should be noted by potential investors and trade partners.

Adequate medical care is available in major cities in the Philippines, but even the best hospitals may not meet the standards of medical care, sanitation, and facilities provided by hospitals and doctors in the United States. Medical care is limited in rural and more remote areas. We recommend purchasing international health insurance.

The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors. Americans applying for residency status in the Philippines can be excluded based on this illness

The following vaccinations are recommended but are not required: Hepatitis A, Hepatitis B, Japanese Encephalitis, Malaria, Rabies and Typhoid. We recommend speaking with your physician regarding the risks of vaccinations. Your doctor will make specific recommendations, depending on your health and immunization history, areas of the country you will be visiting, planned activities and other factors. If your travel plans will take you to more than one country during a single trip, be sure to let your health-care provider know. Long-term travelers, such as those who plan to work or study abroad, may also need additional vaccinations as required by their employer or school.

The website of the Department of Trade and Industry offers extensive information about investment in and doing business in the Philippines. It is also a complete resource for Filipino exporters.

If that's not enough, you'll also find plenty of good research at the Philippines at the FITA Web site. The Philippines Mini Portal has an overview of the Philippines, with facts about the language, currency, climate, etc., plus specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in the Philippines.

US Travel Warning for Belize

U.S. Embassy Belmopan issued the following Warden Message on November 06:

The U.S. Embassy in Belmopan alerts U.S. citizens to information regarding recent armed robberies occurring in Belmopan and the Placencia Peninsula. There is no current information available to suggest the perpetrators were attempting to target U.S. citizens.
On November 3, 2009 at 8:15pm an expatriate resident of Belize was returning to his home in the Plantation Area of the Placencia Peninsula when he was suddenly approached by two male persons; one of whom pointed a handgun at him. A struggle ensued and the resident was hit in the head, searched, and his cellular phone taken. The crime is still under investigation by the Placencia Police.

On November 4, 2009, at approximately 8:00pm, two males wearing red bandanas and armed with a pistol, committed a robbery at Daniel's Store, located at the intersection of Zennia Boulevard and Floral Park Road in Belmopan. The store was robbed of cash and merchandise, but no employees or customers were harmed during the incident. Initial indications are that the choice of location appears to have been simply a target of opportunity.

U.S. citizens who are travelers or residents of Belize are reminded that the frequency of these types of incidents may increase throughout Belize during the holiday season. Travelers or residents are reminded to exercise caution when in unfamiliar areas, and are encouraged to be aware of their surroundings, as well as ensuring doors and windows are locked in their homes, hotel rooms, and cars. Purses, bags, wallets, and other valuables should be kept secure whether in public, in hotel rooms, or in a home.

Visit http://belize.usembassy.gov/information_for_travelers/warden-messages.html

A Sign It May Be a Good Time to Move

There are so many factors that affect your decision on moving i.e. finding affordable real estate, age, retirement or job opportunity but many expatriates do not consider the exchange rate. The volatility of the recent currency markets have dramatically affected expatriates with their savings in U.S. Dollars or British Sterling while individuals who have theirs accounts in Euros have seen unprecedented volatility in the currency markets with the value of sterling fluctuating by over 30 per cent against the euro.

Volatility usually smooths out over the long-term, but it is definitely something to consider in the near term.

Featured Country: Netherlands

The Netherlands is a small European country with 16 millions inhabitants. Since it is situated on the North Sea, sea and coastal transport are central to the country’s economy. The Netherland’s main port, Rotterdam is the largest in Europe and one of the most important in the world.

The Netherlands is highly dependent on foreign trade. Because of the world slow-down, the IMF forecasts a GDP growth rate of -3% for 2009. Nevertheless unemployment is structurally low and will increase less than elsewhere in the European Union. As a consequence, household consumption will continue to sustain the market.

The Netherlands is world's second largest exporter of agricultural products. The manufacturing sector makes up 13.9 percent of GDP and the services sector is comparatively large. Financial services are performing relatively well and the information technology industry is innovative has a large number of competitive software developers. Product exports are mostly electrical machinery, mineral fuels, chemicals and pharmaceuticals. The USA is the 5th export and 4th import partner of the country.

Foreign investors will find superior logistics and technology infrastructures and a highly educated, multilingual and flexible workforce. Since January 2007 the Dutch tax environment for international companies has become even more attractive. The website of the Netherlands Foreign Investment Agency offers extensive information about investing in the country, including links to its offices in the U.S.

Holland Trade is the official website of the Agency for International Business and Cooperation (EVD), the trade promotion agency of the Dutch government. The site offers extensive information about doing business in the Netherlands, as well as a “Directory for conducting business with Dutch Companies,” an extensive directory of Dutch companies involved in international business.

And the website of the U.S. Commercial Service in the Netherlands offers extensive information about the markets and business culture there.

If that's not enough, you'll also find plenty of good research at the Netherlands Mini Portal, a feature of the FITA Web site. The Netherlands Mini Portal has an overview of Netherlands, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Netherlands.

If you are traveling to the Netherlands or plan on establishing a business or international enterprise, then we recommend reviewing your current health insurance policy. If your policy does not include emergency medical evacuation, repatriation, 24 hour overseas claims service then please call us for a travel medical quote. We offer annual multi-trip policies for as low as $89 per year!

The US is the Most Popular Country

A recent Associated Press article reports up to 135 million people living outside the US would move to the states if they could.

Tied for second is Britain, Canada and France, each being named as the preferred destination of around 45 million people.

Nearly 260,000 people aged 15 years and older were surveyed. Read more...

If you have a relative or friend who is immigrating to the US, then we recommend purchasing immigrant health insurance. As you know the U.S. has expensive medical care and new immigrants usually do not qualify for traditional US health insurance or Medicare.

For more information regarding Immigrant Health Insurance visit http://www.immigrationhealth.com/

Americans Getting Bigger.... Planes Getting Smaller

The airlines is measuring and limiting the size of your checked and carry-on luggage and soon might be measuring passengers. Flying in "coach" or "economy" is squeezing more of the average American and the new trend with airlines is making overweight passengers purchase two seats.

"The average legroom in coach is getting smaller. The seat width remains unchanged in decades even as Americans get bigger." - USA Today

United spokeswoman Robin Urbanski says it adopted the policy after receiving more than 700 complaints in 2008 from passengers who complained of an overweight seatmate encroaching on their space.

I wonder if United took as swift of action over luggage complaints or flight delays. Should we expect monetary compensation for personal inconvenience of the long waits on the tarmac?

Are airlines keeping up with the times?

The typical seat width — at 17 inches to 18.5 inches — hasn't changed since 1958

I'm 6'4" and have to fold myself into a "coach" seat and my body aches after a cross country flight so I do sympathize with passengers who have to sit beside another person who is overweight or tall, but I wonder if this will perk the ears of an airline who sees the opportunity to market to and accommodate "customers" who would otherwise be charged an additional seat or would be more comfortable with a little more leg room. Just a thought but I don't know if anyone is listening!

Global Expat Forum - Injury

National Medical Insurance for Expats Living in Mexico

I have been researching the availability of Instituto Mexicano del Seguro Social (IMSS)or Mexican "Medicare" for U.S. Expatriates moving to Mexico. A recent expatriate living in Mexico post the following:

'I just renewed my IMSS after completing two years now. not one, then and only then does it cover (my) preexisting conditions."

The IMSS is socialized medical plan for Mexican citizens, but Mexico has allowed expatriates and foreign residents to buy into the plan. It costs around $3000.00 per person per year for someone 60 years of age. There is a medical questionnaire you have to answer and there are some pre-existing medical conditions which could prevent you from qualifying. There is an article at mexconnect which lists what pre-existing medical conditions are covered and which medical conditions are not. You can read all the details of the IMSS benefits at http://www.imss.gob.mx/.

Words of warning for newbies to IMSS coverage: This is NOT medical care like you’re used to up north. (Which is good and bad.) Your first clue is when you are asked for a urine sample and they hand you a small mayonnaise jar (sans label) with a big “M” on the red lid (McCormick). I’m sure they are sterilized, but still it is different than the sterile cups up north that come complete with instructions for a “clean catch” and include a handy wipe, all sealed in plastic. - www.mazinfo.com

Another Expatriate blogger writes:

My personal wish for everyone who comes to live or retire in Mexico is that they don’t have to use IMSS. I had IMSS as a “benefit” when I worked as a regular, full-time employee (this is called nomina) at a language school in Cuernavaca.

All IMSS personnel and facilities are serving about 5 times as many people as they should be expected to serve. Under these conditions, even professional, kind people cannot give good care.
http://www.home-sweet-mexico.com/retire-in-Mexico-healthcare-IMSS.html

Our friends at Med To Go have received varying opinions on the quality and user friendliness of the IMSS system and caution:

...the following interesting health-care statistics might help you decide what is best for you:

Although less than 3 percent of the Mexican population possesses a private medical insurance policy, 52 percent of the country’s total medical expenditures are for private medical services. In fact, more than 25 percent of Mexicans with IMSS insurance pay for their medical expenditures out of pocket. As a general rule, Mexicans tend to prefer private health care to the state-run system.

When we speak with our clients who plan on moving and/or retiring in Mexico, we recommend identifying your insurance needs and checking all your options. You want to be comfortable and confident you will receive adequate medical care from doctors you trust in a timely matter. Please also be aware that the IMSS does not cover you outside of Mexico. If you plan on returning to the U.S. or your home country to receive periodic medical care, then it might be wise to purchase a private international health insurance policy.

October 15, 2009 Time to Pay or Pray for US Expatriates

If you are a U.S. Expat, the Internal Revenue Service is giving you one more day to decide if you are going to report all your income generated or held in an offshore bank. The recent scrutiny of UBS, a major Swiss bank, has closed many accounts and mailing their holding back to their client's US address.

The IRS is offering some leniency. You will only receive a 5 to 20% penalty if you claim your offshore income and holdings prior to October 15 and you will only be assessed one fine rather than the 50% interest penalty and additional penalties for each year not filed.

Read more at the New York Times website, http://www.nytimes.com/2009/10/13/business/13irs.html?_r=2

Retiring Abroad.. What about your Medicare benefits?

An excellent artcile for any US Senior Citizens planning on moving abroad.

http://www.escapefromamerica.com/2009/10/medicare-overseas/#comment-559

British Expats “Scrounging” Health Care?

Are British Expats “scrounging” health services in Spain? They are according to the media and certain doctors in the Alicante area. The doctors insist that a growing number of British expats are showing up in their operating rooms to avoid lengthy delays in the U.K. Read More...

Moving to Ecuador? Read this post!

Reprinted from ExpatExchange.com


Moving Household goods to Quito Before moving your household goods, have an agent in Quito, Cuanca, Guyaquil or elsewhere in Ecuador, who will advise you on the latest laws and procedures. There are several things that you should not plan to be shipped. These include: Firearms and ammunition Vitamins and nutriceuticals Items that make the list appear they are for resale Cosmetics including tooth paste, makeup, etc. Automobiles Some Electronics The laws are changing weekly. It has been the law that the goods could not arrive in Ecuador prior to your arrival or they would have to be shipped out and shipped back in to Ecuador. That may have changed recently. Small shipments may be cheaper by air-freight, UPS or DHL. We just shipped our household goods to Quito in September 2009. We did the shipping ourselves as the lowest price quoted for approximately 700 kilos weight was $4800 sharing a container. We decided on LAN CARGO as they quoted $2.90 per kilo and we estimated 700 kilos It actually weighted 660 kilos and cost $1800. We spent 2 weeks sorting what we really needed and what we could do without. The next week we inventoried and boxed 40 boxes approximately 12X12X24. They filled 2 pallets 40 by 48 by 60 inches high. We had a garage sale and sold the rest except a few items we donated to a church thrift store. I then typed the inventory lists for the 40 boxes, separated by box in English and Spanish. The Consulate didn’t like the format and required us to retype the info on a list for which they supplied a sample. Since this included a weekend, this required an extra 4 days hotel and food in Miami, 4 days extra truck rental due to not being able to unload at LAN Cargo, and rescheduling our air flight tickets for a week later. We found a small old hotel for $52 a night near the airport, and the truck rental return point, a Burger King, Denny’s and Pizza Hut were with-in walking distance. Across the street was an Irish Pub with great food, a ½ pound Angus burger with fries and coleslaw was $4.00 during the Saturday and Sunday football games. I want to thank good friend, JP – yes that JP, who came to our hotel, helped with copying the documents, had dinner with us two days and brought very thoughtful gifts. Our door in Ecuador will be open for you anytime JP. Upon return to the consulate Monday, the papers were notarized, cost $10, and stamped by the consulate, cost $100. They only reviewed and stamped the Spanish copies. The shipment was dropped off at LAN Cargo and the truck returned. LAN wanted the English for shipping and made a copy of the Spanish for Customs. We stayed over night at the hotel and next day a taxi took us, and 6 suitcases, plus carry-on bags about 5 miles around the airport to the departure gate for $16.00. We checked the bags and had 2 carry on bags each. 4 suitcases were at the 22 kilos max and 2 were over weight costing $120 extra. BTW, one carry on was 14 kilos and they only allow 8 kilos due to the overhead rack restrictions on the plane. They gave us a plastic bag to remove personal, expensive items from the carry-on. They checked that bag and allowed us to carry the plastic bag. Upon arrival in Quito, we discovered the airline had given us 6 baggage receipts for 7 bags. This caused a big problem with security at Quito. Finally I took my passport and showed them that all four of my bags had my name on the baggage slip they removed from the bags and agreed with my passport. Then they left us go through. After arriving at the Hostal where we were staying, we found Homeland Security had opened 4 bags of the 7, even though 3 of the 4 bags had been wrapped with plastic “for security”. They dumped a plastic bag of vitamins and minerals, unavailable in Ecuador, and threw the plastic bag back into the suitcase, and a MP-3 player was missing. However they left a card saying for our safety and protection, our bags had been randomly selected for inspection and all items had been replaced in the bags. Yes, our tax dollars at work for us. I feel so much safer now knowing that HLS inspectors are enjoying my MP3 player, and my health suffers from a lack of needed vitamins and minerals. In Quito I contacted an agent to see if he could get things through customs easier than we could. We were just too tired of the whole process. We should have done this before we left Ecuador for the US. He told us to wait a couple days until he could find out what was happening with our shipment. Well, it arrived OK but we needed some additional documents before customs would look at the shipment. 1. I had to sign a statement that I was moving to Ecuador as I had received my Cedula and provide a copy of the Spanish documents stamped by the consulate in Miami, my passport and cédula. 2. I had to provide a copy of the letter from Social Security, or my bank, stating that was receiving a monthly pension and the amount. This is the same document I needed to get my Cedula. The various departments of the government do not communicate and share information. Fortunately, I had the document with me. 3. I needed another document signed in person before an Ecuadorian Notary and stamped by them. This required an appointment for Friday afternoon. I was notified by the agent that at 1 PM he called to verify the appointment and was told the Notary had decided to take the afternoon off and cancelled all appointments. Thus I would have to wait until sometime next week so an appointment could be arranged. This would require 4 days extra lodging and food. So we decided to take the bus to home Saturday and I would return to Quito by bus next week to sign the document. So we are now packing everything at home so we can move to a new house Tuesday for the next year. Tuesday night I will take the night bus at 9 PM to Quito, see the Notary at 9:30 AM, and return home on the 12 noon bus and get home about 10 PM Wednesday. The bus ride is about 8 to 9 hours each way and costs $18 round trip. Good news, I showed my Cedula rather than the passport and got the bus tickets for half price. All went well and all paperwork is now in Customs. Now we wait until the agent calls and tells us every thing is OK or not and do we ship the goods from Quito to home or need some thing else to clear customs. Also he will tell us how much the duty is and how much his fee will be, based on what he has to do for us. Are we having FUN yet? At this point I recommend anyone coming to Ecuador bring everything in your suitcases. Don’t ship anything unless absolutely necessary. Even if you had to return back to your original country and bring several new suitcases full of necessities, it would be easier and probably cheaper. More to follow.

HGTV Wants New Expatriate Home Buyers

Have you relocated abroad with the last 2 years? Or have you bought a holiday home in a beautiful exotic location? HGTV's "House Hunters International" (http://www.hgtv.com/house-hunters-international/show/index.html) is looking for families or couples (ages 25-50, fluent in English) to feature on our popular television program. Participating in our show is a lot of fun and then you have a professionally made documentary of your exciting move abroad! We also offer some compensation for your time. If interested, please contact internationalhunt@gmail.com

How to avoid monster fees when using your iPhone abroad

A great Associated Press article in USA Today for tips and advice on preventing unexpected telephone roaming and data charges when using your Iphone abroad.

http://www.usatoday.com/travel/news/2009-09-30-iphone-international-fees_N.htm?csp=34

10% Off American Airline Domstic Travel

Play the American Airlines penalty challenge game, once you register and play you will receive an email with a 10% off discount code valid on travel for domestic departing flights purchased by 10/31/2009 and travel complete on/before 11/27/2009

Enter online at https://www.aasoccerchallenge.com/?anchorLocation=DirectURL&title=soccer

Attention All Adventure Traveler?

Wither you are snowshoeing across the Swiss Alps, spelunking an untouched glacier in Norway or scuba diving in Bali, having a comprehensive travel medical insurance policy with hazardous sports coverage will limit the financial risk of an unexpected accident. For more information and a quote visit www.overseashealth.com/atlas.

10 Things NOT to Do On A Cruise

There are so many fun and convenient things about a cruise. You can be on "auto-pilot" and travel to exotic destinations and not have to worry about making travel arrangements, restaurant reservations, entertainment, etc... but you should be aware of a couple warnings to ensure you have the best time possible. Even a comprehensive cruise insurance plan doesn't insure against losing track of time off the ship. Read more at AOL Travel.

CDC Updates Travel Information About Typhoid Fever

September 16, 2009. CDC Updates Travel Information About Typhoid Fever
SOURCE: Centers for Disease Control and Prevention

Typhoid fever is a severe disease caused by Salmonella Typhi bacteria. It is usually spread to people through contaminated food or water. If you are traveling to a country where there is a risk of typhoid fever (especially in South Asia), it is important to take the following steps to protect yourself from getting typhoid fever.

Before you travel, get a typhoid vaccine.

CDC recommends typhoid vaccine for all persons traveling to countries where typhoid fever is a risk. (Go to the Destination page for the country where you will be traveling to see if typhoid vaccine is recommended for your trip.) Typhoid vaccines protect about 80% of persons who receive them and are recommended no matter how long your trip.

Because vaccines alone cannot completely protect you from developing typhoid fever, choose safe food and beverages during your trip.

Choose safe foods

During your trip—

1. Eat foods that are fully cooked and served hot.
2. Eat and drink only dairy products that have been pasteurized.
3. Eat only fruits and vegetables that you can wash with clean water and peel yourself.
4. Do not eat food from street vendors.
5. Remember, if you are visiting friends and family, there are polite ways to let them know that you are
6. unable to eat certain foods without rejecting their hospitality.
7. Choose safe beverages

During your trip—

1. Drink beverages that have been bottled and sealed (water, carbonated drinks, or sports drinks) or have been boiled (water, tea, or coffee).
2. Tap water may be treated with filters or chlorine or iodine tablets that you can buy at stores in the U.S. to make it safe to drink. You can pack these items along with other supplies in your travel health kit.
3. Do not put ice in your drinks.

See a doctor

If you are sick with symptoms of typhoid fever during or after your trip, see a doctor who can advise you about any medicines you might need to take. If you are seeing a doctor after your trip, be sure to tell the doctor that you traveled outside the United States and where you were.
Information for Health-Care Providers

It is important to vaccinate patients who are traveling to areas where there is a risk of typhoid infection. Two vaccines are available in the United States (Vivotif vaccine manufactured by Crucell/Berna and Typhim Vi, manufactured by sanofi pasteur). Counseling patients about safe food and water precautions is also important.

For more information visit www.cdc.gov.

Copyright © 2009, Centers for Disease Control and Prevention

What Type of Health Care Coverage Do You Need?

What Type of Health Care Coverage Do You Need for You and Your Family?


If you’re contemplating relocating overseas for employment or even lifestyle reasons, there’s no doubt about it, you will have a wealth of things to organize and prepare ahead of your international move. From housing and schooling to work permits and language lessons, the list of activities and preparations is almost endless! However, one key preparation feature that often gets overlooked until almost the last moment is getting appropriate health care coverage in place for you and your family.

In the US we’re used to having our insurance company pick up the tab for illnesses and accidents, but if you move abroad you could well find that your insurer no longer protects you and your loved ones, so what type of health care coverage do you need for you and your family if you’re moving overseas?

The one word to sum up your requirements is ‘comprehensive’ – you will need a comprehensive health insurance plan in place that will cover not only your international medical care and bills, but also any medical treatment that you require back home in the US for all those times when you re-visit home for business or pleasure.

As an international relocation brings with it a certain amount of stress and confusion whilst you settle in to your new nation, learn a new language and discover more about your new neighbors and their culture for example, the last thing you want to be worrying about is finding a health care provider if you go down with the flu. You are also unlikely to want to be bothered with negotiating a doctor’s payment and your subsequent reimbursement from a medical insurance company. Therefore, when looking around for a health insurance provider it will be very important to find one that can help you locate a doctor in your new nation, and one with which that doctor can directly communicate about fees and medical bills.

Other critical services that international citizens and expatriates find essential when seeking the best health insurer available include having access to a call center which can guide and advise the policy holder in an emergency situation for example, or which is just on hand 24/7 to answer general queries and assist an insured individual, no matter where in the world they are, and no matter which time zone they live in. Also of importance to many expatriates is having the security of knowing that their health insurance provider will evacuate them in an emergency and arrange life-saving medical intervention should it ever be required.

For those with pre-existing conditions, the ability to upgrade cover to insure against a recurrence of an illness will be important; and ultimately, of critical importance to all expatriates will be gaining speedy access to required medical care and facilities. No one wants to have to wait for diagnostic or even preventative procedures for example, and no one should have to face long waiting lists when they require important medical care.

Therefore, if you’re moving overseas with your family in tow, don’t forget to pack a truly flexible, supportive, all-inclusive and comprehensive international medical insurance policy in your travel bag.

Get a HTH Global Citizen International Health Insurance Quote,the first choice for international health and travel insurance plans. Dedicated to providing the most flexible and comprehensive health insurance plans for American citizens and their families ­ our premier international health insurance plans are tailored for global living and protect you at home and abroad.

Has Your Hotel Overcharged Your Credit Card?

“When Carla DeLuca canceled her room at the W Hotel Union Square in New York a week before her arrival, the hotel decided to ding her for a night’s stay anyway….

When unwanted fees pop up on credit card bills, they may end up being contested, if they’re not removed…

Despite assurances from several W employees that the erroneous charge would be reversed, DeLuca, who owns a marketing company in San Francisco, was asked to pay an extra $330 on her next American Express bill…

So DeLuca did what increasing numbers of travelers are doing: she filed a dispute with her charge card company…

“The hotel told American Express that it was my responsibility to pay,” she recalls. But Amex sided with DeLuca, crediting her for the full amount.

“The number of credit card disputes seems to be on the rise,” says Jason Sarracini, the president of Toronto-based TargetVacations.ca, an online travel agency. “Consumers seem to think they can use their cards as bargaining tools.”…

Here’s what you need to know in order to file a successful dispute.

1. Watch your bill
Review your credit card billing statement as soon as you get it online or through the mail. “Compare receipts to charges listed on the statement,” says Catherine Williams, a vice president at Money Management International, a Chicago-based financial advice company.
“Should you see any mismatch of information, like a wrong amount or an unknown vendor, you should immediately file a dispute with you creditor.”

Remember, while your dispute is under investigation, the amount in question can’t be charged interest or reported as late in payment.

2. Have an airtight case
Obviously, every disputed card charge won’t be decided in your favor.
The weaker challenges are rejected. For instance, say someone buys a vacation package online and then the price falls.

“Many times, we are not able to refund the difference, so consumers decide to take action,” says Sarracini of TargetVacations.ca.

Yet those still remain legitimate purchases, and a dispute isn’t likely to do any good. On the other hand, if a company has violated federal or state laws, or breached its own contract, then you stand an excellent chance of prevailing.

3. Exhaust all other options
A credit card dispute shouldn’t be your first move but rather a last resort, say experts.
“You should go to the merchant first to try to resolve your problem,” says Josh Moritz, a managing partner at Blau Moritz Klang, a marketing agency that develops credit-card debt collection programs for banks.

“Oftentimes, the merchant will make amends.” That might include a partial refund or credit for a future product.

Consider the resolution carefully before deciding to take your case to a dispute, which is more of a winner-takes-all proposition. You might be better off compromising.

4. Know the law
The Fair Credit Billing Act lets you dispute billing errors directly with your credit card company. It covers everything from fraudulent purchases to incorrect billing amounts to deficient merchandise, according to Orlando-based consumer rights attorney Don Petersen.
“Credit card companies must conduct a reasonable investigation within two months and send … a letter informing the consumer of the results of its investigation,” he says.

Here’s more information on the rules
Also, bear in mind that you may have other remedies, says Ken Lin, the chief executive of Credit Karma, a financial information company based in San Francisco. “There are often consumer protection laws at the state level regarding warrantees and refunds,” he says. ” (via cnn.com ) by Christopher Elliott

Pointswizard.com Spin: Click here to read the rest of Tips to fight your travel credit card dispute

Spotlight On India

Recently hundreds of pilots of Jet Airways, one of the largest airlines in India, went on strike over the termination of 2 pilots. An estimated 13,000 passengers were stranded as the airline cancelled over 200 flights over the past 2 days. If you are planning on traveling to India, then I highly recommend contacting your travel suppliers for possible delays and cancellations. Global Citizen clients can receive airport delay alerts via email, mobile device or text message. Contact us at 800.647.4589 or health@globalcitizeninsurance.com for details or visit us online at www.GlobalCitizenInsurance.com.

New Delhi and Mumbai are business hubs in Central Asia. India has a population of over 1 billion people with a large percentage of the population living in poverty. The risk of waterborne and foodborne contamination is high. Log in to policy services and review up to date health, security and city profiles for more information including required and recommended shots and immunizations. If you need immunizations, then I recommend Passport to Health travel medical clinics, visit www.internationaltravelvaccines.blogspot.com for more information.

More Advocates for Passengers

It seems once you board an aircraft, passengers are subject to airport, federal and airline rules, regulations and laws. I even have witnessed a flight attendant kicking off a passenger due to a bad attitude towards her. With the recent news of passengers being held captive on tarmacs, consumer groups and travel associations are urging Congress to step in and pass legislation which would limit the time an airplane can be away from the gate without being off the ground.

The Business Travel Coalition, the American Society of Travel Agents and National Business Travel Association all think the airlines cannot cannot self-police themselves. The Air Transport Association who represents the airlines states their are "contingency plans" for delays, emergencies and there is no need for government intervention. With science we can travel 30,000 feet in the air across the nation and the world, but man cannot figure out an organized and efficient way for passengers to board and disembark. It will be interesting to see if the issue is forgotten or if Congress passes any new laws and regulations when they reconvene this fall.

Traveler's Aide: When a foreign coup affects your travel plans

USA Today has an article which describes a traveler attempting to receive a refund for her tickets which were cancelled due to the recent political unrest in Honduras. Since there is no federal regulation requiring airlines to reimburse travelers due to civil or political unrest, the author recommends purchasing trip cancellation insurance with a "Cancel for Any Reason" option. Read the full article here.

We recommend the Roundtrip Choice travel insurance which gives you the freedom to cancel for any reason. Get a free instant quote online at www.worldwidemedical.com/home.

Layover in Atlanta?

AeroClinic located inside the Atlanta airport to offer early flu shots. Read More...

US Airways increases Baggage Fees Again!

Effective October 7, 2009 US Airways will charge $20 for the first checked bag and $30 for the second, when bags are checked online, an increase of $5.

You will also pay an extra $5 per bag checked in at the airport. The current bag fees at the airport are $20 for the first and $30 for the second. The airline is also matching a $50 second checked bag fee on its trans-Atlantic flights, a charge recently introduced by American and Delta airlines. The new trans-Atlantic second bag fee will apply to all European destinations served by the airline.

The bag fee will be waived for first class and top-tier frequent flier status along with military personnel.

What Country Has the Highest Tax Rate

Denmark has the highest income tax rate, with its top-taxed citizens paying 68% of their hard-earned crowns. The basic tax rate begins at 42%. Source: Guiness World Records

Where You Can't Access the Worldwide Web

Interesting article about the "Great Firewall of China" and programs to access the web and email while you are traveling or living in countries which restrict your web access and internet content. Read more...

Health Insurance for Non-US Citizens

Do you have family, guests or employees who are foreign nationals coming to the US? Third country nationals find that their home country social medical systems rarely extend beyond their country's borders. The U.S. has some of the best but most expensive medical care in the world, medical insurance has become a necessity to prevent the financial risk of an unforeseen illness or accident. I maybe premature but I don't believe the new new Health Insurance Bill will include benefits for foreign visitors; however, I could be wrong.

Even traditional individual health insurance excludes individuals who are not residents or who do not possess a social security number, the good news is there is an array of health insurance plans for foreigners who are visiting, residing, working or immigrating to the US. I would recommend the Atlas America Visitors Health Insurance or Liaison Continent Visitors Insurance. Both are guaranteed issue, which means there are no health questions or medical exams to qualify, and both can be purchased for as little as 7 days and up to 6 months. The Atlas America Visitors Health Insurance can be purchased for up to 12 months. There are no age limitations; however, I would recommend a different plan for anyone 80+ years of age since the benefits are capped at $15,000. I suggest the Inbound Immigrant or Inbound USA for seniors who are visiting or immigrating to the USA.

Many citizens and permanent residents of this country are anxiously waiting for our government to decide the future of health care. Will the U.S. have a national health care and what choices will we have? No one quite knows, but until then I would recommend keeping a health insurance policy because I doubt any medical expenses incurred prior to any health care bill will reimbursed.

Two Things You Need To Know About Obama's Health Plan

Two Reasons Why You Should Sell Short-Term Health Insurance

Most US Citizens do not realize once Congress and the President agree and pass legislation for a national health care program, there is most likely a waiting period before citizens will be able to utilize the plan. It will take months, if not years, for the government to organize health care providers, insurance companies, pharmaceutical companies, employers, banks, national government offices and local government offices as well as distribute information to each eligible citizen regarding instructions for receiving medical care. The proposed bill is approximately 2,000 pages long.
Insurance Services of America realizes this process will take time and though it is not prudent to terminate your current health insurance policy with expectations of receiving immediate government sponsored medical insurance, we also find it unnecessary to pay the high cost of current health insurance which could be unneeded in 12 months. Our Amigo short-term major medical plan is the perfect solution and provides temporary health insurance for up to 12 months (6 months in some states). For more information, review the policy terms and to get a free quote, visit http://www.bestshorttermplan.com/. We don't recommend short-term health insurance for everyone, but you can save up to 75% off your current insurance premiums and be covered for major medical expenses while you are waiting for the government sponsored plan.
Secondly, any medical expenses you incur prior to the national health plan will most likely not be a eligible reimbursement since they occurred prior to the government sponsored plan. Insurance Services of America recommends keeping a health insurance plan until the government sponsored plan is effective. If you decide an affordable temporary health insurance policy is the best solution for you, then please call us at 800.647.4589 for a no-obligation quote. Coverage can begin within 24 hours.

Insurance Services of America is a worldwide marketer of international health insurance specializing in short-term health insurance solutions for US residents. Visit us online at http://www.bestshorttermplan.com/ or call us at 800.647.4589 or email at health@bestshorttermplan.com with your questions and concerns.

"ROCHESTER, WE HAVE A PROBLEM".... "Anyone there?"

I was fortunate to have a delay free flight to San Diego this weekend where I celebrated my nieces wedding. On the other hand my nephew flew from Phoenix to San Diego and his flight was delayed 4 hours before the plane could take off. The flight itself is only approximately an hour long and the drive from San Diego is about 5 hours. The majority of people fly to save time, so when it takes more time to fly, shouldn't the passengers deserve their money back?

I was reading an article this morning about an Express Jet flight from Houston to Twin Cities, MN but was diverted to Rochester due to inclement weather. After arriving at Rochester, the 47 passengers were held on the plane for 9 hours due to no security personnel to screen the passengers at the airport and the flight crew reached it's maximum work hours so they had to wait for another flight crew. Read more here. Have we lost all common sense that 47 stranded passengers cannot wait in a deserted terminal?

At times, I find no rhyme or reason for some of the security measures. I can pack over 4oz liquid type toiletries in my luggage and it will pass the screeners, but if my wife takes them out and puts them in a quart size plastic baggie, then she gets stopped because there is 1 oz of toothpaste in the 8oz squeezable container. So the question is, is the container size a threat or the actual liquid?

Enough ranting. I don't want to sound like a hipocrite because I still enjoy the convenience of flying and there are many places I wouldn't have a chance to visit without the help of a jumbo jet.

Quote of the Day

"You can not do all the good the world needs, but the world needs all the good you can do."
- Anonymous

8 Tips to Snare the Best Travel Deals

Planning a trip? Here are few tips from USA Today that can help you get the best deal. Read More...

After you buy your airline tickets, make your hotel reservations and pay your trip deposits, consider protecting your travel investment by purchasing one our affordable travel insurance policies which reimburses you for trip cancellation or if your journey is interrupted due to a family emergency or if you are quarantined due to H1N1. Get a free Travel Insurance Quote.

Silver Lining

The recent airline fees for checked luggage and ancillary services have increased the cost of travel and the reduction in capacity has reduced the number of available flights and limited routes. Increased longer transit times are "the likely cause of a 17% increase in involuntary denied boardings or passengers being "bumped" off flights over the past two years.

The Silver Lining:

1. With less air traffic nearly 80% of all domestic flights arrive on-time over the past two years.
2. Flight cancellations have decreased by over 10% which is benefit of having more planes available on standby
3. Costumer complaints for mishandled bags have dropped over 25% and the actual reported number of mishandled bags declined by 40% over the past two years

To read more visit USA Today.

Are You Traveling with Children?

Lonely Planet founders Tony and Maureen Wheeler have traveled with their children ever since they were infants and have published a book with tips and advice on traveling with babies, children and teens. Check out Travel with Children: Your Complete Resource at your local bookstore or on Amazon.com

When both parents are traveling and purchase the Atlas International travel medical insurance, then the first two children up to age 9 are covered at no additional charge. If only one parent is traveling, then the first child up to age 9 is covered at no additional charge.

Do you have any tips for families, single parents or family friendly destinations? If so, then please leave a comment and share your advice.

Easy and Accurate Currency Converter

Currency Converter
from www.GoCurrency.com. This converter allows you to know today's exchange rate between more than 120 international currencies. The rates are provided by Reuters and are updated at the end of every day, at approximately 5:00 pm Eastern Time (US).