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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Travel insurance

international  travel is easier when you know that unexpected expenses are covered

revised 11/3/2015

Most health policies exclude or limit coverage while travelling outside of your home country. All domestic policies exclude to cost of translating medical records, converting denominations and foreign currency transactions. Travel insurance is an easy and inexpensive way to supplement your coverage so that these risks do not interfere with travel plans.  Sometimes travellers are required to show evidence of travel insurance; otherwise it is just a tool of good financial planning.

Policies can be issued for as short as 5 days or as long as many years and typically provide some protection for luggage, trip cancellation and other common travel risks.

Application is made online and proof of coverage may be printed out immediately. Travel insurance companies offer 24/7 customer service in multiple languages.

For best results for traditional travel insurance use any of the following:

New immigrants to the United States prefer to use "Inbound Immigrant" policy form that includes generous benefits at a very affordable price and can be renewed for up to five years of total coverage.

International major medical insurance is s different but related type of insurance  - a high quality regular renewable health insurance that is available to individuals who change countries of residence frequently. This eliminates the need for multiple travel insurance policies. These include:


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.