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California Insurance Blog

What is international health insurance, and who needs it?

Those who spend time outside the United States can face challenges accessing and paying for medical care when outside the country. Still, international and travel health insurance solves this problem. Whether an individual needs travel or international health insurance, the THINK Insurance & Financial Services team serving Pomona, CA, will happily assist you.

International Health Insurance Options

Travel health insurance covers vacationers and those traveling for work or school for a limited time, such as weeks or months. In contrast, international health insurance generally covers those planning to be outside the country for more than six months and is our focus for this article. 

International health insurance typically covers comprehensive medical care, including:

  • Medical care expenses
  • Maternity coverage
  • Ongoing treatments
  • Access to doctors and prescription drugs 
  • Certain emergency evacuations

Those who buy international coverage are often expatriates, global employees, and retirees living outside the United States since Medicare does not provide coverage outside the country. In addition, many countries and regions require proof of international health insurance to obtain a visa or otherwise enter their territory. (They are not obligated to treat those without proper insurance.)

Another advantage of most international health insurance plans is that they cover treatments in multiple countries. This feature is beneficial when traveling from your expatriate home because it allows you to seek specialist care in another country where you may be more comfortable with the style of care, language, or other factors.

Working with THINK Insurance & Financial Services

If you live in or near Pomona, CA, and want to adequately protect yourself and your family while outside the United States, contact the THINK Insurance & Financial Services team. We’ll happily create a plan to suit your needs.

Rideshare and Auto Insurance: What Drivers Need to Know

The gig economy in and around Pomona, CA has given rise to rideshare services like Uber and Lyft, allowing individuals to earn income by providing transportation services. If you’re considering becoming a rideshare driver, it’s crucial to understand the implications for your auto insurance. 

Personal Auto Insurance vs. Rideshare Insurance

Most personal auto insurance policies do not provide coverage while you are driving for a rideshare service. This is because traditional auto insurance is designed for personal use, and engaging in commercial activities like ridesharing can lead to coverage gaps.

The Rideshare Insurance Gap

The rideshare insurance gap is a critical concern for drivers. It refers to when you actively use your vehicle for rideshare purposes but have not picked up a passenger or completed a ride. During this time, your auto insurance may not cover accidents or damage, potentially leaving you financially vulnerable.

Understanding Rideshare Company Insurance

Rideshare companies typically offer insurance coverage that varies depending on your status during the rideshare process:

  • Offline or Personal Mode: When your rideshare app is turned off, your auto insurance provides coverage.
  • Online, Awaiting a Ride Request: The rideshare company’s insurance often provides limited coverage for liability and collision.
  • En Route to Pick Up a Passenger or During a Ride: At this stage, the rideshare company’s insurance generally offers more coverage.

Additional Coverage Options

Drivers have a few options for additional coverage:

  • Rideshare Endorsements: Some insurance companies offer rideshare endorsements that can be added to your policy.
  • Commercial Auto Insurance: Consider commercial auto insurance if you plan to drive for rideshare services frequently. 

THINK Insurance & Financial Services Can Help You

At THINK Insurance & Financial Services, we can answer all your questions concerning auto insurance. We assist the Pomona, CA area. Contact us today.

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