Featured Country - Brazil

Brazil will host the football World Cup in 2014 and the Olympics in 2016. The country has launched many large-scale infrastructure projects for these events that offer lucrative business opportunities for foreign companies. Take a look at the U.S. Commercial Service’s special web pages that list opportunities related to these events.

According to the FITA: The Brazilian Ministry of Commerce recently announced that the country had a trade surplus of around 30 billion USD in 2011, an increase of 47.8% over 2010. Exports of goods increased by 26.8% to USD 256 billion, while imports rose 25.7% to USD 226 billion . It is the largest trade surplus since 2007.
In 2011 Brazil became the sixth global economy in terms of GDP, ranking ahead of countries like the United Kingdom, Italy, Canada and Spain. The country has particularly benefited in recent years from strong global demand for soybeans and iron ore, which are among its leading exports. In addition, the Brazilian government has implemented tax incentives to promote exports.

The United States is the second-largest market for Brazil, with 6.6% of total exports of the country. The US is also Brazil’s largest supplier, with 15% of imports. In March 2011, President Obama and President Roussneff signed a cooperation agreement to promote economic and trade exchanges between the two countries.

Two areas were identified as priorities:

- Energy: The United States wants to become a strategic energy partner of Brazil, which recently discovered new offshore oil reserves;

- Infrastructure: Washington seeks to invest in major projects, including through partnerships between U.S. and Brazilian companies.

For more information on trade relations between the United States and Brazil

• The Brazil-U.S. Business Council

• 2011: US trade with Brazil on the Census Bureau's Website

• The US-Brazil Economic Relationship on the White House Website

• A Brookings Institution report on US-Brazil trade relations

To assist you in your business in Brazil:

• The Brazilian-American Chamber of Commerce

• The US Commercial Service in Brazil

• The Embassy of the United States in São Paulo

• ACEB - Brazilian Business Trade Association

• Trends of Doing Business in Brazil in 2011 - (Pocket Guide 2010/2011) on the South African Department of Communication and Information System's Website

• SEBRAE - A Brazilian government agency that supports business development for small and “mirco” enterprises

Trade shows in Brazil:

• Hospitalar, leading medical trade fair in Latin America - Sao Paulo - 05/22/2012 - 05/25/2012

• 28th Fispal, Latin America's largest trade show dedicated to the food service industry - Sao Paulo - 06/25/2012 - 06/28/2012

• Rio Oil & Gas, leading industry exhibition and key entry point into the Latin American market - Rio de Janeiro - 09/17/2012 - 09/20/2012

Department of State Consular Information Sheet for Brazil - Medical care is generally good, but it varies in quality, particularly in remote areas, and it may not meet U.S. standards outside the major cities. Expatriates in Brazil regularly use the Albert Einstein Hospital in Sao Paulo. It is inspected and certified by the Joint Commission International and offers international service assistance. The hospital phone is (55-11) 3747-1233. Prescription and over the counter medicines are widely available. Emergency services are responsive. Travelers may call a private ambulance company or call 193 and request an ambulance for a public hospital. Callers must stay on the line to provide the location as there is no automatic tracking of phone calls.

Adam Bates from Insurance Services of America recommends reviewing your current health insurance policy to ensure it covers local medical expenses in Brazil and more importantly, your policy should cover emergency medical evacuation insurance which provides medical transportation when local care is not adequate.  If your current insurance policy does not cover medical expenses while you are traveling, then your can purchase travel medical insurance from the friendly people at Insurance Services of America.  Call them for a quote at 800.647.4589 or 01.480.821.9052.

Many insect borne-illnesses are present, including Yellow Fever, Malaria, Dengue, and Leishmaniasis. Insect precautions are encouraged in all areas of Brazil. Schistosomiasis is present in many areas. Travelers should avoid freshwater exposure.

The CDC recommends Yellow Fever vaccination for persons over 9 months of age for travel to all rural areas of all states, including Iguaçu Falls tourist resorts, and for travel to Brasilia and Belo Horizonte. Cities in jungle areas are considered rural, not urban, in nature. Yellow fever is not a currently thought to be a risk for travel to major coastal cities from Fortaleza to the Uruguay border, including the major tourist/business destinations of Sao Paulo, Salvador, Rio, Recife, and Fortaleza. However, there has been a recent increase in yellow fever cases, including deaths, in Brazil. This has involved some areas in Brazil not previously at risk, such as the southern state of Rio Grande do Sul. Travelers are advised to consult with their medical provider or travel clinic for up to date advice on the risks versus the benefits of yellow fever vaccination.

Dengue fever is an infection transmitted by the mosquito aedes aegypti and is an affliction seen in many parts of Brazil. The typical "season" for dengue is from December to June, but it is possible to be infected at any time of the year. An increase in dengue fever cases in early 2008 led to a number of deaths, mainly around Rio. In early 2009, an outbreak occurred in Belo Horizonte. In late 2009, tests in Fortaleza found larvae of the aedes aegypti mosquito present in 95% of the city's neighborhoods.

Malaria is present throughout the year in forested areas of the Amazon region. There is also some risk on the periphery of cities and towns in the Amazon region. There is little to no risk of malaria in all other areas of Brazil.

Tuberculosis is an increasingly serious health concern in Brazil.

Plastic and other elective/cosmetic surgery is a major medical industry in Brazil. While Brazil has many plastic surgery facilities that are on par with those found in the United States, the quality of care varies widely. Make sure when arranging plastic surgery that emergency medical facilities are available, as some "boutique" plastic surgery operations offer luxurious facilities, but are not hospitals and are therefore unable to deal with unforeseen emergencies.

Several U.S. citizens have died while visiting non-traditional healers outside of urban areas. While this is not surprising given that this type of treatment often attracts the terminally ill, U.S. citizens are advised to ensure they have access to proper medical care when visiting such sites.

In the unfortunate event of a death, relatives or friends of any deceased U.S. citizen are advised to immediately contact the U.S. Embassy in Brasilia or the U.S. Consulate in Sao Paulo, Rio de Janeiro, or Recife, and not to contract with local mortuary services before seeking embassy assistance.

Sao Paulo is the largest city in Brazil and the seventh largest metropolitan area in the world, with a population of more than 19.8 million people. As the biggest financial center in the country, the city is the 10th richest city in the world and expected to become the 6th richest by 2025. Sao Paulo's economy was originally based on a strong industrial sector, but has become increasingly dependent on the tertiary sector, focusing on commercial services for Brazil. It is home to a large number of foreign corporations as well as the Sao Paulo Stock Exchange and many landmarks, including the Paulista Museum, the neo-gothic Metropolitan Cathedral, and the Octavio Frias de Oliveria Bridge.

While Sao Paulo remains one of the region's most dangerous cities, according to Altegrity Risk there has been a marked improvement in the security environment. Since 1999, when the city recorded 35 homicides for every 100,000 residents, there has been a 70.3% decline in the homicide rate; police statistics in February 2011 report a rate of 10.47 homicides per 100,000 inhabitants. Armed robbery, carjacking, kidnapping, and extortion are all reported on a daily basis in the city. Foreign nationals are not explicitly targeted by criminals in the majority of incidents; however, during the annual Carnival each February, there are typically a rash of robberies and muggings of foreign nationals. In February 2010, five men armed with machetes and handguns assaulted nine tourists at a beach house and locked the victims in the bathroom before pillaging through household valuables.

There is a high risk of robbery in Sao Paulo, including commercial and residential burglary, mugging, carjacking, and vehicle theft. In early 2010, authorities reported that fatal muggings in Sao Paulo had increased by 45% in 2009, with 100 people killed in such crimes. Meanwhile, all robberies, excluding bank assaults and vehicle thefts, had jumped 13% the same year, with 123,482 incidents reported. Police in June 2011 arrested nearly 30 people in connection with a series of ATM heists that left some parts of Sao Paulo with limited access to cash. Five current or former police officers were arrested in the operations, and investigators suspect that another two dozen police may be involved. Around 60 banking machines have been blown up, torched, or otherwise broken into in the metropolitan area. Weapons are easily obtained in Brazil and criminals in Sao Paulo are typically armed and willing to use violence. In November 2010, a professional soccer player was shot dead by gunmen as he arrived at his Sao Paulo home during a robbery attempt. Separately, a popular Brazilian cartoonist and his son were killed during a burglary on his residence in Sao Paulo's Osasco suburb in March 2010. Unidentified gunmen reportedly shot the victims after forcing their way into their home.

Transportation-related crimes are frequently reported in Sao Paulo as well. Foreign nationals are advised to always park vehicles in safe areas, preferably secured garages or guarded parking lots. Carjackings typically involve extreme violence and victims are often left injured or dead. In November 2010, a British race car driver narrowly escaped a carjacking attempt in the city when five or six armed men approached his armored car in a traffic jam. However, the foreign national's driver, an undercover police agent, made a quick escape through the traffic jam. Local reports suggested that several of the race car driver's teammates had been targeted the same day in similar carjacking attempts. Foreign nationals are advised to use armored cars if possible and whenever stopped at a traffic light or in a traffic jam, always leave enough room between vehicles to make a quick escape.

There is a high risk of kidnapping in Sao Paulo, where authorities reported that the crime had doubled in 2009, when there were 23 reported incidents. Kidnapping throughout Brazil is significantly underreported due to fears that kidnappers may harm the victims if the crime is reported to police, therefore, the number of incidents in Sao Paulo is believed to be significantly higher. In August 2010, police dismantled a kidnapping ring that used social networking sites to identify wealthy targets. The gang allegedly used profile information to track victims to their jobs or favorite bars. The gang was first uncovered after police rescued a 19-year-old being held hostage by the gang. Four months earlier, a 13-year-old boy was released by kidnappers in Ferraz de Vasconcelos one month after he was snatched. One person was arrested after he attempted to contact the family for a ransom payment.

Adam Bates from Insurance Services of America advises if you are traveling on businesss or with a high profile organiztion, then consider purchasing a standalone Kidnap and Ransom policy which provides ransom, negotiations and will orchestrate extractions in the event of a kidnapping.

Express kidnappings are the most frequent type of kidnapping reported in Sao Paulo. In the majority of express kidnappings, a victim is snatched, often at random, from the street or from a vehicle and forced to empty their bank account before being released. Such incidents are typically shorter and involve a smaller ransom payment than a traditional kidnapping, but occur more frequently and target a wider variety of victims. In April 2010, a pharmaceutical executive was killed during an express kidnapping in Sao Paulo's Jabaquara neighborhood. Police reportedly saw the kidnapping unfold and began chasing the kidnappers, but failed to keep up with the suspects and the victim was found shortly later after being shot in the neck. Four months earlier, kidnappers stormed the home of a businessman on the outskirts of the city and abducted him after tying up his family. The victim was forced to withdraw an undisclosed amount of cash from an ATM before being released.

Gang violence has become a major concern in Sao Paulo following a series of attacks by the First Capital Command (PCC) group in 2006. The massive criminal organization is largely run by imprisoned gang leaders who communicate with their followers via smuggled cell phones. The gang first struck during the May 2006 Mother's Day holiday, and staged a series of coordinated prison riots and attacks directed at security forces. In the space of a week, gang members launched 293 attacks against targets ranging from police residences to buses and banks, which left 41 police officers, 107 suspected gang members, and four civilians dead. The attack left the city paralyzed, with residents terrified to travel after dark. While PCC has not successfully launched similar large-scale attacks since 2006, they continue to operate in Sao Paulo. In August 2010, PPC members attacked the headquarters of the police's special operations. Ensuing clashes between police and PPC members left at least one gunman dead and several others arrested. In response, the gang set fire to at least 10 vehicles throughout the city.

Civil unrest is frequently reported in Sao Paulo, although the majority of protests, strikes, demonstrations, and rallies remain peaceful. Nonetheless, a number of protests do turn violent. In May 2011, Brazilian riot police fired tear gas to break up a protest in support of the legalization of marijuana in the city's financial district. A court ruled the march was illegal and six people were detained. Meanwhile, the majority of protests are likely to cause transportation problems for residents and visitors to the city. In June 2011, two Sao Paulo public transportation unions launched a work stoppage that affected hundreds of thousands of commuters. The strikes hit a number of subway lines as workers demanded wage increases.

There has been growing tension between residents of Sao Paulo's favelas, or slums, and police, often leading to clashes. In September 2009, rioting erupted in the Heliopolis favela after police killed a 17-year-old during a police chase. Police used tear gas and rubber bullets to disperse rioters who set fire to buses and cars and blocked roadways. Separately, residents in the Itaim Paulista neighborhood launched a protest against recent flooding that destroyed dozens of homes. Protesters filled roadways with furniture and set objects on fire, hampering traffic. The demonstration lasted for five hours until police intervened and fired tear gas into the crowds.

Foreign nationals should avoid soccer games if possible, as clashes, protests, and violent incidents are common in and around stadiums. In February 2010, one person was killed and 20 others injured following a game as rival fans clashed on six separate occasions during the evening. In a separate incident, one person was killed and 130 others detained when rival soccer fans launched riots in the city in June 2009. Fans of one of the teams reportedly attacked rival fans, sparking clashes that spread throughout the city.

While the risk of terrorist attacks in Sao Paulo is low, reports in December 2010 indicated that the city is home to at least one terror cell. According to the report, which was released by a controversial whistle-blowing website, the Brazilian government is closely monitoring about 20 people with alleged links to militant groups Hezbollah and Islamic Jihad. The case was reportedly investigated by the Federal Police and the Brazilian Intelligence Agency, which were alerted by their U.S. counterparts. The individuals were all of Brazilian nationality, converted to Islam, and lived in Sao Paulo and Rio de Janeiro. The CIA allegedly believed that "they were recruited to learn how to establish political or armed cells." The report also suggested that the Brazilian government was purposely downplaying the risk of terrorism in Brazil in order to preserve its reputation, despite the presence of such groups. While terrorists are unlikely to plot attacks against interests in Sao Paulo, the city may be used as an operations base to plot attacks in other cities in the region.

Sao Paulo is often affected by natural disasters, with heavy rains, flooding, and landslides frequently reported. In January 2011, numerous cities were inundated with heavy rains causing landslides which claimed hundreds of lives. While the worst affected area was Rio de Janeiro state, heavy rains led to more than one dozen being killed in Sao Paulo. Main roads in the city were cut off by mudslides and the city government estimated that 100,000 people were displaced.

Military and civil police are well-trained; however, widespread corruption in these units that often inhibits emergency response. Police have been linked to a number of bribery and extortion attempts. In April 2010, two police officers were arrested for bribing a businessman in the city and demanding 50,000 reais (US$28,000) for not arresting him on purportedly false charges. Meanwhile, police have also been affiliated with death squads, often leading such gangs. In June 2010, 17 police officers in the state were arrested for their involvement in a death squad that had killed 23 people in late April.

Most Dangerous Areas

Crimes against foreign travelers tend to be most often reported in areas surrounding hotels, discotheques, bars, nightclubs, and other establishments that cater to visitors, especially during the evening hours. Stoplights are also dangerous, as the city has a high rate of armed robbery targeting idle motorists and pedestrians.

The entire metropolitan area of Sao Paulo is considered dangerous for both walking and driving, particularly after dark. Car thefts and break-ins are common in Sao Bernardo do Campo's commercial district. Neighborhoods popular with foreigners are especially vulnerable to crime, including Itaim-Bibi, along Avenida Paulista, and the Italian quarter of Bixiga. The suburban area of Santo Amaro is also a target of thieves. Avoid known trouble areas such as the Praca da Sao Rua Augusta north of Avenida Paulista, the Estacao de Luz metro area, and the Praca da Republica (downtown area), especially after dark. All travel to the city's poorer neighborhoods (favelas), including Parque Selecta and Jardim Aracati, should be avoided.

How They Celebrate Christmas in Santiago Chile

A expat living in Santiago, Chile wrote a very interesting post over Expat Exchange.  Chile is south of the equator so Christmas is right in the middle of summer and end of the school year.  Traditional U.S. festivities, baking cookies and decorations are not the norm and the focus of Christmas is mostly religious. 

The main attraction in the home is the creche or "pesebre" with the baby Jesus missing from the manger until midnight Christmas Eve. Families will have holiday meals. Frozen turkey is beginning to become popular, but given it's summer many choose cold plates of meat, or asados/barbeques. The holiday drink is cola de mono, made with aguardiente, sugar, milk, coffee and spiced with cloves, cinnamon and orange zest. As midnight arrives the families may attend midnight mass. When they return the baby Jesus is placed in his spot and the presents are ripped opened.

Bathing suits are more popular than scarves, gloves and coats and water skiing is more popular than snow skiing as families head to the beach to try and cool off.  Read more about Christmas in Chile at ExpatExchange.com.

Have a Merry Christmas!

Featured Country: Canada

The United States and Canada are negotiating a new border agreement that should result in alignment of security procedures on both sides of the border and harmonize cross-border regulations. Notably the agreement provides for common product inspection and data sharing between U.S. and Canadian Customs.

The stakes are high: Canada and the United States have the world's largest trading relationship and the two countries share more than 5,000 miles of border. Cross-border trade is estimated at nearly USD 500 billion each year. In 2010, Canada was the largest market and second-largest supplier of products to the United States. The United States was the largest trading partner of Canada, both exports and imports. Nearly three-quarters of Canadian exports (by value) are imported into the United States.

This agreement should allow better access to U.S. markets for Canadian exporters who deal with many compliance issues when bringing their products to the United States. Harmonizing regulations should also allow U.S. companies to reduce costs of transporting goods. The American Trucking Association has welcomed the progress made and stated that the agreement was an important step in increasing competitiveness on both sides of the border, a view shared by the Canadian Trucking Alliance.

For more information on U.S. and Canadian Border Services:
• The Canada Border Services Agency
• The U.S. Customs and Border Protection

To help you do business in Canada:
• Canadian Trade Commissioner Service
• U.S. Commercial Service in Canada
• The Canadian-American Chamber of Commerce
• The American Chamber of Commerce in Canada
• Canada Business Directory - Search a Company in Canada
• Canadian Association of Importers and Exporters
• Doing Business in Canada: A Guide for U.S. and International Investors  Health Information for Canada - Vaccination and Health Risks


Your doctor can give you important advice and prescribe vaccines and medications to help you stay safe while traveling abroad. The following are vaccinations and medications you and your physician may wish to consider before travel to Canada.

To have the most benefit, see a doctor at least 4-6 weeks before your trip to allow time for your vaccines to take effect. If you are leaving sooner, it is still important to see a doctor as soon as possible for vaccines, medications and information about how to protect yourself from illness and injury while traveling.

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.

If you have a chronic medical condition, share your travel plans with any doctors who are currently treating you.

Vaccine or Disease Risk Vaccination or Treatment Recommendations

Routine Recommended if you are not up-to-date with routine shots such as, measles/mumps/rubella (MMR) vaccine, diphtheria/pertussis/tetanus (DPT) vaccine, poliovirus vaccine, etc.

Hepatitis A Not endemic

Hepatitis B Recommended, especially for those who might be exposed to blood or body fluids, have sexual contact with the local population, or be exposed through medical treatment (e.g., for an accident).

Japanese Encephalitis Not endemic

Malaria Not endemic

Meningococcal Meningitis Not endemic

Rabies Not endemic

Typhoid Not endemic

Yellow Fever Not endemic

Pharmacy Information

In Canada, what is known as a pharmacy in the United States is also referred to as a pharmacy. Pharmacies are recognizable by an RX, or a caduceus or a mortar and pestle displayed on a sign outside or within the store window.

In general, pharmacies in Canada are very reliable. That is, they dispense the proper medications and the drugs themselves are of a high quality. The pharmacists themselves are trained professionals with degrees in their field. Pharmacies can be used for all of your prescription and over-the-counter drug needs. Pharmacists cannot distribute prescription medications without authorization from a doctor.

Regular business hours for pharmacies vary, with some open 24 hours in large cities. Many supermarkets have pharmacies, as well as some discount department stores, such as Zeller's and Walmart. Some supermarkets also have pharmacies, such as Sobey's and Loblaw's. A listing of local pharmacies open outside of regular business hours can be found in the local newspaper and on lists found in the pharmacies. There are several well-known chains of pharmacies in Canada that are reliable, these include Rexall and Shoppers Drug Mart.

Regardless of the pharmacy situation in any country, it is always advisable to bring enough medication to last through your trip. Be sure to carry it with you rather than trusting it to checked luggage (many frequent travelers bring a double supply of medication and pack each in different bags). It is also advisable to carry extra prescription sheets written by your doctor (with the generic names) in case you need refills during you trip and to show at customs as proof of the medication's identity and necessity. Always remember to check the expiration dates on all medications, whether they are from home or abroad. Depending on where you are traveling, you may also want to carry an anti-diarrheal medication and/or ask you physician for an appropriate anti-diarrheal prescription, as a precautionary measure.

If you are traveling or relocating to you Canada, then we recommend reviewing your health insurance policy to ensure your coverage covers medical expenses in Canada.  If you need temporary or a long-term international health insurance plan, then contact Insurance Services of America for an international health insurance quote.

Security Conditions in Canada (as of Aug. 2011)


Toronto is Canada's largest city and the fifth most populous municipality in North America, with a population of more than 2.5 million residents. The city serves as the capital of Ontario and is also home to the Toronto Stock Exchange, the largest market in the country. Toronto's leading economic sectors include business services, telecommunications, aerospace, transportation, media, arts, film, television production, and tourism among others. Additionally, the city is considered an important destination for immigrants to the country and is among one of the most diverse cities in the world; about 49% of the population was born outside Canada. The city is continually rated as one of the most livable cities due to its low crime rates, clean environment, high standard of living, and friendly attitude toward diversity.

Toronto reports a low crime rate when compared to similarly sized cities. However, foreign nationals are advised to remain alert to risks of street crime, armed theft, and residential break-ins, as expatriates have fallen victim to these crimes in Toronto in the past. Women should take particular caution, as female victims of residential break-ins have been raped. Although most criminals were armed with knives or handguns, victims were rarely harmed unless they resisted their assailants' demands. According to Toronto police, there were some 62 homicides recorded in 2009, down from 70 the previous year.

Organized crime poses a moderate risk to foreign nationals operating in Toronto. Although organized crime is rampant in the city, it is primarily focused around the drug trade and motorcycle gangs, such as the Hell's Angeles; these criminal elements rarely threatened foreign nationals visiting Toronto or conducting business in the city. More than 70 suspected gang members were arrested during police operations in May 2010 that targeted the Falstaff Crips and the Five Points Generals. Nonetheless, foreign nationals are advised to remain alert in areas where criminal groups are known to operate, as bystanders have been caught up in attacks.

There is a moderate risk of terrorism in Toronto. While the city has not yet been the victim of a major attack by terrorist elements, terrorists are believed to be operating in Toronto and have the capabilities to strike the city. In September 2008, authorities in the city warned that suspected terrorists were preparing attacks against the Israeli airline El Al and their personnel in Toronto. The suspected terrorists were reportedly frequenting a hotel in the city popular with the pilots and crewmembers of the airline.

While the possibility exists that international terror groups may strike Toronto, low-level bombings conducted by local groups or lone-wolfs are more probable. In April 2010, authorities found a cache of explosives in a storage locker in an eastern area of the city. Separately, three unidentified people threw two Molotov cocktails at the Jamaican consulate in the city in August 2009, sparking a fire at the building. Authorities failed to determine a motive in the crime.

Protests are frequently held in Toronto; while the majority of protests are non-violent, traffic disruptions are common. In June 2009, more than 24,000 Toronto workers participated in a strike and large rally outside the City Hall building after the government failed to agree to a new collective agreement with unions.

Police in Toronto are efficient, reliable, and capable of addressing a wide variety of threats. Officers generally respond to the scene of crimes in a timely manner. Security forces possess the required resources and equipment to carry out complex investigations. Similarly, well-trained emergency medical personnel operate a fleet of modern, well-maintained ambulances that carry life-saving equipment.

Most Dangerous Areas

Travelers to Toronto should use additional caution along Yellow Birch Drive, North Kipling, Lawrence Avenue, Morningside Avenue, Eastern Avenue, Chalk Farm Drive, and Jane Street as well as in Regent Park, Rexdale, Scarborough, and Jane-Firch, as these areas all report higher crime rates. Pickpocketing is reportedly common on Centre Island, especially in the summer months.

Featured Country: The Netherlands

According to a report by the U.S. Bureau of Economic Analysis published last July, the Netherlands was the largest recipient of direct investment from the U.S. in 2010. The United States invested $521.4 billion dollars in the Netherlands, 13.3% of total U.S. FDI. This is the third consecutive year that the country found itself in first place in U.S. FDI. For comparison, in the same year, the United Kingdom received $ 508.4 billion (13%), Canada $ 296.7 billion dollars (7.6%) and Luxembourg $ 275 billion (7%).

U.S. companies are attracted to the Netherlands for investment. The company Patagonia Inc., recently decided to relocate its distribution center from Chartres (France) to the Dutch city of Heerenberg. Similarly, the Heinz Company has invested heavily in the Netherlands to create a center of European research and innovation in the city of Nijmegen, which should be online by 2013. This research center will be the largest research center outside of Heinz USA.
The Netherlands has many strong assets including a highly developed communication and transportation infrastructure, a skilled workforce that is both productive and multilingual, a strategic geographical position that makes it a gateway to the main European markets, a stable political environment and financial sector. For example, Patagonia Inc. will, through its presence in Heerenberg, deliver its products in Germany, the United Kingdom, France and the Benelux countries in less than 24 hours. Also, thanks to the quality of the Dutch infrastructure, the distribution center in Heerenberg will be able to manage three containers a day, instead of the three containers per week that were being produced in Chartres. In the end, Heinz has decided to move to Nijmegen, a city in a region where skills are focused on diet and health, providing an attractive framework for the best talent in the field of research and development of new food products.

To learn more about the establishing trade or business in the Netherlands, visit The Netherlands Chamber of Commerce.

Amsterdam serves as the capital and largest city of the Netherlands, with just over 1.36 million residents. Located in the province of North Holland, the city comprises the northern edge of the Randstad, a conurbation of Dutch cities that also includes Rotterdam, The Hague, and Utrecht, which totals more than 6.5 million people. The city serves as the financial and cultural capital of the country, and hosts the headquarters of several of the world's top 500 companies. The 2009 European Cities Monitor, which provides an overview of corporations' perceptions of 34 leading European business cities, ranked Amsterdam as the 8th best city in which to do business. The same survey ranked Amsterdam 7th in terms of quality of telecommunications and 12th in terms of quality of life for employees.Good medical facilities are widely available. Emergency medical response can be accessed by dialing 112. Pharmacies ( Apotheek ) are widely available and can assist with emergency prescription needs. Some common medications are not available in the Netherlands without a prescription, and some prescription drugs cannot be sent to the country. Travelers are urged to carry an adequate supply of prescription drugs in their original container, in their carry-on luggage. Please carry a letter from your pharmacist or medical doctor with you, as some drugs are subject to confiscation by local custom agents. Those traveling with any pre-existing medical problems should bring a letter from the attending physician, describing the medical condition and any prescription medications, including the generic name of prescribed drugs.Netherlands, International health nsurance

Although the rate of violent crime in Amsterdam is low, there is an elevated risk of theft. Pickpocketing, purse snatching, and other petty crime is often reported. As hotel rooms and automobiles are targets of theft, valuables should not be left in plain sight and should be secured in safes. Thieves often work in pairs, with one distracting the victim, often by asking for directions, while an accomplice moves in on the victim's unguarded property. Thieves are active in and around train and tram stations, the city center, and public transport, and frequently time thefts to coincide with train or bus departures. Trains to and from Amsterdam's Schiphol Airport are particularly high risk, and theft of hand luggage and laptop computers is common. Likewise, foreigners on city trams to and from the Central Train Station are often targets for thieves and pickpockets. In January 2010, nine workers at Schiphol Airport were arrested for allegedly stealing objects from passengers' luggage. Surveillance cameras showed the suspects rummaging through the travelers' suitcases, apparently searching for electronic gadgets, clothing, money, and jewelry. The thieves were caught using specially prepared decoy suitcases.

There is a low risk of violent crime in Amsterdam. Kidnapping is not a frequent occurrence in the Netherlands, but has been known to occur on occasion.

Participation by the Netherlands in U.S.-led operations in Afghanistan and Iraq have garnered the attention of militant Islamic groups, and, indirectly, raised the risk of targeting by such groups. The national government currently rates the risk of terrorism as "Substantial," the third highest out of four levels. In November 2004, authorities arrested members of the Hofstad Network, an Al-Qaida-linked cell allegedly planning to attack Amsterdam's Schiphol Airport. One year later, six people were arrested in Amsterdam and The Hague on charges of recruiting radical Muslims for international jihad.

Demonstrations are common, ranging from small groups to thousands of participants, and usually remain nonviolent. Prior notification is required to hold a demonstration and police are usually present. Demonstrations are common at the Museumplein and in Dam Square. In February 2010, dozens of students occupied lecture halls and university buildings in Amsterdam in protest of planned government cutbacks to higher education. In August 2009, thirty people were arrested after violent clashes broke out between British and Dutch soccer fans in Dam Square. There were no reports of serious injuries, as police acted quickly to break up the fray.

Bicycles are ubiquitous in Amsterdam and can be dangerous for pedestrians. Watch for speeding bikes when crossing the street or a bicycle lane look for speeding bikes. If using a bicycle, watch for pedestrians, and lock the bike with a strong lock, as thefts are common.

Police in Amsterdam are generally capable and well-trained. Emergency operators will answer phone calls in Dutch, but most speak English. In addition to contacting the police, victims of crime are urged to report any incident to their respective embassy or consulate.

Most Dangerous Areas

Pickpockets typically time their theft to coincide with train and tram stops so they can quickly escape the scene. Within Amsterdam, thieves are very active in and around Central Station, WTC/Zuid train, tram stops near the red light district, and in restaurants and hotels. Foreign nationals may also experience theft on public transportation routes, especially trams 1, 2, and 5 between Central Station and the Museum district. Other areas to avoid include Damrak, the flea market in Waterlooplein, De Bijenkorf department store, Dam Square, Royal Palace, and the Flower Market. Demonstrations are common at the Museumplein and Dam Square.




Vaccinations are not required for travel to the Netherlands.

We recommend reviewing your health insurance policy.  If your policy is not international health insurance coverage, nor provide emergency medical evacuation or repatriation, then please contact Insurance Services of America at 800.647.4589 or 480.821.9052 or visit us online at http://www.worldwidemedical.com/. 

5 Tips for Protecting Your Family While Living Abroad

From Expat Explorer Blog (http://expatexplorer.blogspot.com)/

One of the single most important issues for all families across the world is protecting them against the challenging surprises of life. This can become a particular concern for expats, as each country is different.


There is a wide range of policies on the market that should suit everyone; the tricky bit is picking which ones are suitable! Christopher Wicks director of Bridgewater financial Services says “It is imperative that an assessment is carried out by either an international bank, or an independent specialist protection adviser to avoid, with over or under insuring.

Here is a list of our top types of cover:

1. Income protection – this provides you with an ongoing income – up to 75 percent of the previous income – in the event of an accident of illness.

2. Critical Illness insurance – which pays a tax-free lump sum if diagnosed with a critical illness, and usually has life assurance included.

3. Life assurance, which pays out on death before an agreed dates

4. Private Medical Insurance

5. Travel insurance

When considering all of the above it is important to consider portability. One way to do this is to obtain an international or portable policy that can move with you, especially necessary when it comes to life assurance and critical illness cover.

As always we’re keen to hear your thoughts and experiences so please do share any top tips.

BUY PROPERTY AND BECOME RESIDENTS OF MEXICO IN LESS THAN 2 YEARS

The new Immigration Law signed by Mexico President Felipe Calderon in May of 2011 helps Americans, Canadians and foerign nationals currently living or planning on moving to Mexico become official residents quicker.  The law reduces the time a foreigner has to have a temporary permit to reside in Mexico thus providing a shorter path to residency on a full time basis.  Foreign nationals will not have to endure the annual renewal of the temporary permit which time consuming,costly and can take up to 7 years to gain residency.

A few advantages of becoming an office resident of Mexico are:

• Own real estate with no bank trust.  A resident has the same ownership rights as a Mexican citizen, who can hold title to property in the restricted zone (foreigners can only acquire property under a land trust within this zone that encompasses area of roughly 100 miles from the US border and 60 mile inland from any coast).
• Residents are exempt from capital gains on residential property sales (that meet the conditions of the Mexican IRS or Revenue Canada).
• If you marry a Mexican National and live in Mexico, then you can become an official resident within 2 years. 

Escape from America.com adds: 

In reviewing the economics of the 1.5 million or so foreigners that currently reside or spend most of their time in Mexico, we see some amazing financial statistics. On average, the foreigners bring approximately $150,000 – $250,000 cash to buy property and spend around $2500 per month on living expenses. As the expression goes, you do the math. This equals about $225,000,000,000 to $375,000,000,000 in cash revenue and $3,750,000,000 a month in recurring revenue. Staggering isn´t it?

General healthcare in Mexico is adequate. Medical care can be found in major cities. Excellent health facilities are available in Mexico City, but training and availability of emergency responders may be below U.S. standards. Care in more remote areas is limited. Standards of medical training, patient care and business practices vary greatly among medical facilities in beach resorts throughout Mexico. In recent years, some U.S. citizens have complained that certain health-care facilities in beach resorts have taken advantage of them by overcharging or providing unnecessary medical care. A significant number of complaints have been lodged against some of the private hospitals in the Cabo San Lucas area, including complaints about price gouging and various unlawful and/or unethical pricing schemes and collection measures. Elective medical procedures may be less expensive than in the United States. However, visitors are cautioned that facilities may lack access to sufficient emergency support. The U.S. Embassy encourages visitors to obtain as much information about the facility and the medical personnel as possible when considering surgical or other procedures.

If you wish you visit private doctors and hospitals which cater to U.S. Citizens and foreign nationals, then we recommend purchasing international health insurance.  Contact Insurance Services of America by email at health@globalcitizeninsurance.com or by telephone at 800.647.4589 or 480.821.9052. 

Water Quality: In many areas in Mexico, tap water is unsafe and should be avoided. Bottled water and beverages are safe although visitors should be aware that many restaurants and hotels serve tap water unless bottled water is specifically requested. Ice may also come from tap water and should be used with caution. Visitors should exercise caution when buying food or beverages from street vendors.

The quality of water along some beaches in or near Acapulco or other large coastal communities may be unsafe for swimming because of contamination. Swimming in contaminated water may cause diarrhea and/or other illnesses. Mexican government agencies monitor water quality in public beach areas but their standards and sampling techniques may differ from those in the United States.

Mexico City, the capital of Mexico, is the most important industrial, commercial, and cultural center in the country. One of the world's most populated cities, Mexico City is home to nearly nine million people, while the greater metropolitan area has an estimated population of 20 million people. Mexico City ranks 8th in terms of GDP size among global urban centers. Constructed on the dry bed of Lake Texcoco, the city is surrounded on three sides by tall mountains and volcanoes, including the Ajusco, the Popocateptl, and the Ixtlacihuatl. The city sits in the Federal District, which is a single political entity governed by a solitary institution.

There is a high risk of crime in Mexico City. Violent crime, including armed robberies, residential break-ins, carjackings, and muggings is reported on a daily basis. Foreign nationals are frequently targeted in violent crimes for their perceived wealth. Foreign nationals are advised to remain especially cautious when arriving near Mexico City's Benito Juarez International Airport and the surrounding neighborhoods, as there have been a number of violent assaults on foreign nationals visiting the city. During the first two months of 2009, 18 travelers, including five foreign nationals, were violently mugged as they departed the airport after exchanging money at an exchange business inside the airport. In one incident, a French national was shot dead in late January 2009 during a robbery on a street near the airport after exchanging money at the airport. That same month, a New Guinean diplomat was severely injured when two assailants opened fire on him and stole valuables as he was traveling through the nearby Ignacio Zaragoza neighborhood in a licensed taxi that he entered at the airport. Lookouts are believed to spot travelers exchanging money and then contact their accomplices who operate outside the airport, attacking travelers a few blocks from the airport. While the airport is monitored by federal forces, Mexico City is patrolled solely by local police who lack the resources to adequately respond and often collude with local criminal gangs. Foreign nationals are advised against exchanging money at the airport, instead doing so before arriving in the country.

Public transportation in Mexico City is considered unsafe. In September 2009, police were forced to enhance security on the city's subway system after a gunfight between an armed man and police left two dead and several others injured. The gunman reportedly opened fire on police and passengers after officers approached him while he was writing anti-government graffiti on a subway wall. Additionally, public buses in the city are frequently targeted by armed robbers. In August 2010, a four-month-old baby was killed during an attempted bus robbery in the Tlalnepantla district; three gunmen reportedly tried to rob the bus when a plainclothes officer pulled a gun, triggering a shootout.

Carjackings and vehicle thefts are reported at critical levels in the capital city; Mexico City has traditionally recorded the highest rate of vehicle thefts in the country. In February 2010, a Catholic priest was killed by two carjackers who attempted to seize his vehicle while he was traveling through the Vasco de Qurioga neighborhood. The same month, a Mexican soccer player was shot during a carjacking attempt in the city.

Armed robberies and burglaries are also frequent in Mexico City. In July 2010, armed men attacked a Mexican film crew in the downtown area and stole equipment and other items worth 300,000 pesos (US$24,300). Three months earlier, police arrested two suspects believed responsible for a string of hotel robberies. The two suspects routinely posed as hotel guests and claimed to have lost their hotel room keys in order to gain access to rooms and safes in the hotels.

Violent crime in Mexico City is typically linked to the underworld. The majority of the world's largest and most dangerous drug cartels operate in the city. In August 2010, a federal police official warned citizens about the presence of drug trafficking organizations in the city and their intent to extend control over territory and illegal drug sales in the city. The official reported that the Sinaloa cartel has a presence in the Cuautitlan corridor and has a territorial dispute with the Beltran Leyva organization in the Huixquilucan suburb. The majority of organized crime-related violence is targeted at rival gangs and law enforcement; in May 2010, a retired general who was convicted and later cleared of aiding one of Mexico's most powerful drug lords was shot and injured in the city. Occasionally, foreign nationals have been injured or killed in drug-related violence, and those involved in organized crime have also been targeted in calculated attacks. In January 2010, a Paraguayan soccer player was shot in the head by an unidentified assailant while at a bar in the city; three city police officers were later arrested as the attack was believed to be connected to organized crime.
There is a high risk of kidnapping in Mexico City, although rates of the crime are believed to be vastly underreported due to widespread collusion between city police and kidnapping gangs. Police arrested six suspected Beltran Leyva kidnappers and rescued two hostages in the suburb of Huixquilucan in July 2010. Seven months earlier, police freed two hostages and arrested six suspected kidnappers in the Venustiano Carranza district; the victims were reportedly being held for a 50,000 pesos (US$3,937) ransom demand. In September 2009, authorities detained the founder and leader of a kidnapping ring responsible for 22 abductions, including eight that ended in the victims' death. In February 2009, the mayor of Ixtapaluca, a suburb of Mexico City, was arrested by federal police agents after being implicated as the leader of Los Tenientes, a local kidnapping gang. The mayor reportedly offered members of the gang protection in exchange for large sums of money.

Contact a high risk insurance specialist at Insurance Services of America for an affordable Kidnap and Ransom insurance quote.

African Growth and Opportunity Act

The African Growth and Opportunity Act (AGOA) was signed into law on May 18, 2000 to offer incentives for African countries to open their economies, build free markets and encourage investment by U.S. companies in the region.

Each year, the AGOA Forum brings together government leaders and several African and American private sector stakeholders. Today, 37 African countries are represented in the forum: Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Chad, Comoros, Congo, Djibouti, Ethiopia, Gabon, Gambia, Ghana, Guinea-Bissau, Kenya, Lesotho, Liberia, Malawi, Mali, Mauritania, Mauritius, Mozambique, Namibia, Nigeria, Rwanda, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, South Africa, Swaziland, Tanzania, Togo, Uganda and Zambia.

The tenth annual Forum is taking place today and tomorrow (June 9 and 10) in Zambia with the theme "Enhanced Trade Through Increased Competitiveness, Value Addition and Deeper Regional Integration". During the conference, there will be sessions for the private sector and civil society as well as involvement of participants of the African Women’s Entrepreneurship Program (AWEP). Young business leaders will also take part in activities around the AGOA Forum.

For more information about AGOA look at these websites:

• African Growth and Opportunity Act

• AGOA Forum 2011

• U.S. Office of Trade Representative

To help you do business in the AGOA region visit:

• The AGOA Export Toolkit

• Doing business with USA under AGOA

• AGOA’s resources

For more information about AGOA countires take a look at:

• The FITA Africa Miniportals of 185 countries

• The GlobalTrade.net International Trade Channels (click on the map of Africa)

For a free international medical insurance quote:

• ISA Global Benefits International Health Insurance

American Citizen Kidnapped from Nepal Hotel.

John Robert Schrumpf, 25, had been forcible taken Sunday morning from his room at the humble Hotel Dream Home in Thamel, Kathmandu's busy tourist hub. NepalNews.com says Schrumpfhad been abducted at around 2 a.m. The Himalayan Times says he was gone for a total of around 15 hours.

No matter what your age or occupation, if you are traveling abroad, then call us for a free Kidnap and Ransom insurance quote (K&R).  Reach us by telephone at 800.647.4589 or +1.480.821.9052 or health@globalcitizeninsurance.com. 

The Expatriate Experience

I was browsing the HSBC Annual Expatriate Experience Report this morning which discusses repartriation of individuals and families returning to their country of birth or citizenship.  In the findings, I found it interesting that many expatriates returning home are do not understand their rights with regards to access to medical services.

In some countries, expatriates are not entitled to full healthcare benefits once he or she return home and will need to establish if there will be a requirement for medical insurance. Depending upon what country you are from public healthcare may be available; however, do not assume that you will be entitled to it. According to the report:

In many countries the right to public care is foregone after you have lived continually outside of the country for a set period of time. Fully research medical and dental entitlements and, if necessary, arrange appropriate private healthcare.

In the U.S., if you are 65 or older and have not satisfied your MEDICARE requirements and return to the U.S., then their is a possibility you will have to purchase private health insurance, which is very difficult to obtain and expensive.  Establishing a private international health insurance policy with the option to cover you in the U.S. with no age limitations will reduce the financial risk of an unforeseen illness or accident.

The report also includes useful information on finances and banking, repatriation preparation and country specific data.  Before relocating overseas, we advise seeking a qualified advisor to assist you with taxes as well as your ealthcare options in the country you are relocating as well as your options if you have to return to your country o citizenship or birth.  You can speak with an international insurance specialists at by calling ISA Global Benefits at 800.647.4589 (toll free within the U.S. and Canada) or 001.480.821.9052 (outside the U.S.).  Their medical, life and retirement experts will listen to your needs and offer very affordable solutions which can insure you while you are living and traveling abroad as well as back in your home country.  Visit ISA Global Benefits online at http://www.isaglobalbenefits.com/.

Thnking about a Start Up Business in Panama... GOOD NEWS! Congress is preparing to ratify the treaty with Panama

The United States and Panama signed a Free Trade Agreement (FTA) on June 28, 2007. Although Panama approved the treaty on July 11, 2007, the United States Congress has not yet ratified it because of political disagreements about what Panama would have to do to fulfill all necessary conditions of the pact. Now it's done! The U.S. Trade Representative, Ron Kirk, announced last week that Panama had met all the American requests and that Congress was preparing to ratify the treaty in the coming weeks.

The FTA is expected to result ultimately in a significant liberalization of trade in goods and services between the two countries by removing certain non-tariff barriers and facilitating customs procedures. With this agreement, U.S. companies should have better access to the Panamanian market, particularly in the financial services sector. Also companies may compete for and obtain public contracts and obtain trade facilitation services.

There are numerous business opportunities in Panama for many foreign companies. Indeed, the Panamanian economy is doing well. The country has one of the growth rates of GDP, the highest in Latin America (6.7% in 2011). In recent years the development of the free trade zone of Colon and the banking and real estate sectors have helped the country weather the worldwide financial crisis. The public expenditure management financed with a $200 million loan approved by the Inter-American Development Bankhttp://www.iadb.org/en/news/news-releases/2010-12-02/idb-panama-fiscal-policy-and-transparency,8791.html (IDB) has also helped strengthen investor confidence. Panama is the top receiver of FDI in Central America, with an average annual flow of about 1.75 billion USD.

For more information on the country, you can visit:

• Business Panama

• U.S. Commercial Service Panama Country Commercial Guide

• FITA’s Panama Country Profile of Panama

To help you do business in Panama:

• The Panamanian Association of Entrepreneurs

• The site of the U.S. Embassy in Panama

• The site of the American Chamber of Commerce in Panama

• GlobalTrade.net Panama Miniportal

Consular Information Sheet for Panama - Department of State (Last Updated 11/18/05)

Although Panama City has some very good hospitals and clinics, medical facilities outside of the capital are limited.

During May 2009, Panamanian health authorities placed travelers suspected of carrying the H1N1 flu in quarantine.

Except for antibiotics and narcotics, most medications are available without a prescription.

The 911 call center also provides an ambulance service, however, the ambulance might not always be available and given difficulties in transitting traffic jams and poor road conditions, it might arrive too late to do much good. There are also private ambulance services people can subscribe to.

If you are establishing a business, subsidiary or will be employing human resources, then we recommend a group benefit program.  A fully underwritten plan might be needed or a supplemental medical evacuation and catastrophic policy might better suite your corporate needs.  Contact Insurance Services of America and speak with one of our international insurance specialists for expert advice and a no-obligation quote and proposal.  We specialize in affordable health insurance, life, disability, retirement, war and terrorism, kidnap& ransom insurance for individual and groups.  Call us at 800.647.4589, 480.821.9052 or email at our Adam Bates, our Global Benefits specialists at adam@isaglobalbenefits.com.

Two Top Priorities When Relocating Abroad

When you decide to move abroad, one of the most important things to remember is organising your finances however financial experts say that many expats place financial matters at the bottom of their mental checklists and fail to sort out their banking arrangements until they arrive at their new location. This can lead to problems on arrival as access to money isn’t always straightforward.

Read more financial, tax and banking advice at Expat Explorer

The second most overlooked and very critical item is health care and health insurance.  Most expatriates assume he or she will be eligible for national or social health care.  Many expatriates are under the assumption that socialized medical care provides the best quality of care.  This could be the case in a few countries, but most expatriates who expect "western" type of medical care are usually in for a surprise.  For example, Brazil is becoming a very popular destination as it will be hosting the 2014 World Cup of Soccer Tournament.  Brazil is also contending with drug counterfeit problems, prompting the Brazilian Congress to establish congressional commissions to investigate the issue. The Brazilian Ministry of Health has also created the National Agency of Health Surveillance (Agencia Nacional de Vigilancia Sanitaria) modeled after the FDA.

The Center for Disease Control (CDC) recommends Yellow Fever vaccination for persons over 9 months of age for travel to all rural areas of all states, including Iguaçu Falls tourist resorts, and for travel to Brasilia and Belo Horizonte. Cities in jungle areas are considered rural, not urban, in nature. Yellow fever is not currently thought to be a risk for travel to major coastal cities from Fortaleza to the Uruguay border, including the major tourist/business destinations of Sao Paulo, Salvador, Rio, Recife, and Fortaleza. However, there has been a recent increase in yellow fever cases, including deaths, in Brazil. This has involved some areas in Brazil not previously at risk, such as the southern state of Rio Grande do Sul. Travelers are advised to consult with their medical provider or travel clinic for up to date advice on the risks versus the benefits of yellow fever vaccination.

The good news is there are many doctors who have been vetted and participate in our exclusive international network or medical providers.  These doctors all speak English and you can view their credentials and contact information on the web.  Expatriates in Brazil regularly use the Albert Einstein Hospital in Sao Paulo.  It is inspected and certified by the Joint Commission International and offers international service assistance.  It is very comforting to know that your doctor has been approved by an international medical board and if needed, have the capabilities to direct bill medical expenses.  Contact Insurance Services of America for information and a no-obligation international health insurance quote or visit us online at http://www.globalcitizeninsurance.com/ for an instant quote.  Speak with an insurance expert at 800.647.4589 or 001.480.821.9052 or email at health@globalcitizeninsurance.com. 

What Would Cause You To Renounce Your U.S. Citizenship?

More than 200 Americans turned their back on the United States in 2008, 731 made the exceptionally difficult decision to renounce their citizenship in 2009, and in 2010 1,485 individuals gave up their right to an American passport, according to ‘corrected totals’ from http://www.renunciationguide.com/.

and

according to the New York Times: “waiting periods to meet with consular officers to formalize renunciations have grown

Why would you consider moving abroad?  The top popular ideas and reasons are:

1. Lower cost of living (retirement)
2. Disgruntled with their local or national government
3. Cost of medical care
4. More affordable Real estate

It's always recommended doing your research and becoming as knowledgable as possible.  Not only visiting your potential destination multiple times and seasons per year, but gathering information regarding real estate laws, communication / technology availability, taxes and income laws and of course immigration laws.

Another overlooked area is health care.  Contact Insurance Services of America for a free country assessment, we can even tell you if there are any English speaking doctors at your destination and the general quality of care.  If having an international health insurance is necessary, then ask us for a no obligation international health insurance quote.  We insure thousands of expatriates located on over 120 countries.  You may reach us at 480.821.9052 or 800.647.4589 or by email at health@globalcitizeninsurance.com.

A Few Unexpected Pitfalls of Living Abroad

You gather information and spend countless hours reading book & blogs, learning a new language and getting professional advice for moving abroad.  Your dedication and appetite for adventure is usually rewarded if you remain faithful to your goal of cultural integration; however, there are a few unexpected pitfalls you can and cannot plan for.   For example the wild currency swings in countries that have been hit by the recent global economic downturn, the property bubbles in Greece, Spain, Portugal, U.K., Mexico and other parts of Europe, civil unrest and public strikes, etc... the fortunes of expats are often subject to many external influences.  Life is uncertain no matter where you live, but one of the most contributing factors of life, is just as a concern at home, before we embark on the search for life abroad is debt. 

Wither it's a home mortgage, credit card debt, business loan or personal lines of credit, each country has it's own particular laws and regulations on qualifying for credit and well as penalties for unpaid debt.  I was reading an article in the Guardian | The Observer about two Brits who were literally trapped in Bahrain due to their unpaid debt.  What compounded the problems is they could not exit the country until their business loan was fully paid (along with interest), but were not allowed to be issued work visas. 

Under Bahraini law anyone with a travel ban may not have their residence or work permits renewed – meaning they are effectively prevented from repaying their debts

One man, who has been divorced by his wife while he is stuck in Bahrain, has not seen his children in three years. Another, who has a heart condition, has been repeatedly jailed for owing money

As you can see, the problem of debt can easily spiral and repaying it back can be more difficult if you lose your residency status which in most cases prevents you from legally working and possibly even being incarcerated.  So before you take out a line of credit, mortgage or business loan, I would highly recommend reviewing the local financial and legal requirements. 

There is a catch 22, in some countries if you incur large medical expenses and cannot pay your medical fees, the unpaid medical expenses can be considered debt and if not paid, then you could be subject to a travel ban and local litigation. 

We can limit the risk of unforeseen medical expenses with a comprehensive international health insurance policy.  Wither you are traveling on holiday or vacation or relocating overseas, we advise reviewing your current health insurance along with the health insurance requirements and liabilities of your destination countries.    Call 800.647.4589 or +1.480.821.9052 and speak with an international insurance specialists at Insurance Services of America.  Get an instant instant travel medical insurance quote online at www.overseashealth.com or www.globalcitizeninsurance.com.