Protect Your Future Today
Affordable insurance for all your needs
Protect Your Future Today
Affordable insurance for all your needs
Our Founder
William (Bill) Hamelin
Preparing for that next step in life isn’t always easy. My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. Whether your goals include preparing for milestone life events like retirement or college, or whether you’re simply looking for life, disability income or long-term care insurance protection, I promise you a new level of attention, insight and capability. Contact me to discuss your financial future. I am licensed to sell insurance in: CA, CO and FL. Domiciled in CA, CA Insurance License # 0K34854.
Traveling Abroad?
Why Individual Medical Insurance is Essential for International Travelers
Traveling internationally opens doors to adventure, cultural enrichment, and unforgettable experiences. However, it’s crucial not to overlook the importance of protecting your health while abroad. Individual medical insurance for international travelers can make the difference between a manageable incident and a financial nightmare.
Understanding International Medical Insurance
International medical insurance is a specialized plan that provides coverage for unexpected health issues that arise while you’re traveling outside your home country. Unlike domestic health plans, international travel insurance covers medical emergencies, evacuation, and other health-related expenses that might not be included in your standard policy.
Why It Matters
Medical emergencies can happen anywhere, and costs can vary drastically depending on the country. Without coverage, travelers may find themselves facing exorbitant out-of-pocket expenses. Here are a few examples of potential scenarios and the associated costs:
Examples of Uninsured Medical Expenses Abroad
- Emergency Room Visit in Europe
A simple ER visit in countries like France or Germany can cost between $300 to $1,000, depending on the treatment needed. Without insurance, these fees must be paid upfront. - Hospitalization in Southeast Asia
A traveler who suffers a severe case of food poisoning in Thailand and requires hospitalization could face bills upwards of $5,000 for a few days of care, including medication and diagnostics. - Medical Evacuation from a Remote Area
Suppose you’re hiking in the Andes and suffer a serious injury that requires evacuation to a hospital in Lima or even repatriation to your home country. Medical evacuation can cost between $25,000 and $100,000, depending on the location and urgency. - Fractured Bone While Skiing in Canada
If you fracture a leg skiing in British Columbia, treatment including x-rays, casting, and follow-up appointments could easily exceed $7,500. Without insurance, you’re liable for the full amount. - COVID-19 Treatment Abroad
If you contract COVID-19 and need hospitalization in a country like the United States, expenses could soar beyond $20,000, especially if ICU care is required.
Benefits of Having Coverage
· Access to quality medical care without financial stress
· Coverage for emergency evacuation and repatriation
· 24/7 assistance services and support in multiple languages
· Peace of mind to focus on your trip, not on potential risks