Author: conniepurser
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🫁 曾經得過肺栓塞還能出國嗎？長途飛行 × 血栓風險 × Travel Medical / Trip Insurance 攻略 Traveling After Pulmonary Embolism: Long-Haul Flights, Blood Clot Risk & How Travel Medical / Trip Insurance Fits In
這篇不是要幫任何人「允許」或「禁止」出國，而是站在教育角度，把三件事說清楚：1）DVT／肺栓塞是什麼，為什麼長途飛行會被特別提起；2）曾經有血栓或肺栓塞病史的人，出國前應該優先聽誰的建議（一定是主治醫師，而不是保險或旅行社）；3）Travel Medical / Trip Insurance 在這裡能幫忙的是「帳單與行程風險的一部分」，而不是推翻醫療專業。This article is for people with a history of clots or PE who are asking “can I travel again?” It walks through the medical and insurance angles so you can have a more grounded conversation with your doctor and your insurer.
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🧳 有慢性病也想出國玩？美國居民怎麼選 Travel Medical / Travel Insurance 比較安心？ Traveling Abroad with Chronic Conditions: How U.S. Residents Can Choose Travel Medical & Trip Insurance
「我有慢性病，還能安心出國旅行嗎？」這篇是寫給住在美國、已經有高血壓、糖尿病、心臟病等慢性病，還是想出國度假、回國探親、出差的人：怎麼用 Travel Medical / Travel Insurance 把風險做基本管理、哪些部分保單幫得上忙、哪些部分還是要靠自己的生活習慣與事前準備。If you’re a U.S. resident with chronic conditions and you’re planning an international trip, this article helps you think through coverage options, limits around pre-existing conditions, and practical steps to lower risk before and during travel.
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🩺 高血壓、糖尿病爸媽來美探親：Visitor Insurance 怎麼評估比較安心？ Visitor Insurance for Parents with Chronic Conditions: Diabetes, Hypertension, Heart Disease and U.S. Trips
「爸媽有高血壓、糖尿病，這樣還能買 Visitor Insurance 嗎？」幾乎每個在美子女都問過這個問題。這篇不賣商品，只把邏輯講清楚：什麼是既往病史、什麼是急性發作（Acute Onset）、慢性病相關的風險有哪些，哪些部分保單幫得上忙、哪些部分必須靠家人自己規劃。If your parents have long-standing health issues, it doesn’t automatically mean visitor insurance is useless. In this article, we focus on how to think about chronic conditions and U.S. travel: what counts as pre-existing, how “acute onset” clauses are often structured, and which risks remain on the family even with insurance…
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👵👴 70＋／80＋ 高齡父母來美探親：Visitor Insurance 醫療保險怎麼選？ Visitor Insurance for Seniors 70+ / 80+: How to Choose Medical Coverage When Parents Visit the U.S.
對很多住在美國的子女來說，最牽掛的是年紀已經 70＋、80＋ 的爸媽來美探親：一方面想讓他們看看生活，一方面又擔心長途飛行與美國醫療費用。這篇專門整理高齡父母來美買 Visitor Insurance 時會遇到的年齡限制、保額選擇與實務考量，幫你先想清楚「要不要來、來多久、要保到什麼程度」。For adult children in the U.S., inviting parents in their 70s or 80s can feel both joyful and stressful. This article focuses on senior visitors: what age limits look like, how coverage and premiums change with age, and how to think through trip length, health status, and realistic protection levels…
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🧮 便宜一定好嗎？Visitor Insurance 固定給付 vs 綜合型：爸媽來美醫療保險大解析 Fixed-Benefit vs Comprehensive Visitor Insurance: What Families Should Know Before Parents Visit the U.S.
爸媽來美探親時，Visitor Insurance 常見兩大類：保單上寫一長串「每項給付多少」的固定給付型，和比較像一般醫療險的綜合型。這篇用表格和例子拆給你看，讓你知道便宜方案的限制在哪裡、什麼情況可以接受固定給付、什麼情況一定要認真考慮綜合型，幫家人做出比較不後悔的選擇。When parents or relatives visit the U.S., most visitor medical plans fall into two categories: fixed-benefit (schedule-of-benefits) and comprehensive coverage. This article breaks down the differences with simple examples so you can see where the limitations of cheaper plans are, when a fixed-benefit plan might be acceptable, and when a comprehensive plan is…
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🌏 爸媽來美要買什麼保險？Visitor Insurance 入門：從零搞懂來美旅遊醫療保險 Visitor Insurance 101: A Simple Guide for Parents and Relatives Visiting the U.S.
很多在美子女會問：爸媽來美探親，到底要不要買 Visitor Insurance？台灣旅平險、信用卡送的保險，到底保些什麼？這篇是來美旅遊醫療保險的入門第一站，用實例幫你釐清：誰需要 Visitor Medical、怎麼看保額與免賠額、慢性病與高齡父母還能不能保。Many families wonder if parents visiting the U.S. really need separate visitor medical insurance. This intro article walks you through who needs it, the difference from regular trip insurance, how to read limits and deductibles, and what to keep in mind for older parents with diabetes, high blood pressure, or other…
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🧑🧓 爸媽來美 × 長途飛行 × 血栓風險：Visitor Insurance 怎麼買？台灣旅平險夠不夠？ Parents Visiting the U.S., Long Flights & Blood Clot Risks: Do You Need Visitor Insurance Beyond Home-Country Travel Plans?
爸媽來美探親，常常年紀 60＋、70＋，又有糖尿病、高血壓，長途飛機會不會產生血栓或肺栓塞？台灣旅平險到底保什麼？遇到在美國看急診、住院時夠不夠用？這篇專門寫給在美子女與海外長輩，整理 Visitor Insurance（來美旅遊醫療保險）的重點與血栓風險須知。
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🫁 長途飛行 × 肺栓塞（Pulmonary Embolism）：美國居民出國旅遊保險完整指南｜怎麼買？會不會賠？有血栓史的人能飛嗎？ Travel Insurance After Pulmonary Embolism: Complete Guide for U.S. Travelers — Coverage, Safety Tips, and Pre-Existing Condition Rules
美國居民出國旅行，如有腿部血栓（DVT）或肺栓塞（PE）病史，該如何挑選 Travel Insurance？哪些情況會賠？什麼情況不賠？什麼是 Pre-existing Condition Waiver？本篇提供飛機久坐 × 血栓 × 旅遊保險的完整實務指南。
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🎬 房客帶 ESA 比特犬入住，房東能拒絕嗎？｜ESA 權利、HOA 舉報與保險風險｜加州房東生存實境劇（第 6 集）ESA Pit Bull in a Rental: Can the Landlord Say No? ｜California Landlord Script Series Ep. 6
房客說：「牠是 ESA，不算寵物，你不能管。」HOA 說：「社區禁止比特犬，請在 10 天內移除。」保險公司則提醒：「高風險犬種造成的咬人事故，可能不在保障範圍內。」這篇用房東 × 房客 × 鄰居 × HOA × 保險代理人的實境對話，把「ESA 權利、房東責任、HOA 規定、保險排除」一次演給你看，並整理房東可以怎麼依法要求文件、設定規則、保護自己，也幫房客釐清 ESA 真正擁有哪些權利，而不是「我說 ESA 就 ESA」。The tenant insists, “He’s my ESA, not a pet—you can’t say no.” The HOA cites a pit bull ban, neighbors submit videos of the dog lunging in the hallway, and the landlord’s insurer warns of possible…
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🎭 房東實境劇 Landlord Script Series（1–6 集總整理）｜Landlord Script Series HUB (Ep. 1-6) 🎭
✔️ 安全（Safety）： 大麻屋 電錶、水錶、電力超載 大型犬、比特犬 租客拒絕入屋檢查 房客逃跑與遺留物 這些全部都是安全議題。 ✔️ 法律（Legal Basics）： Civil Code 1954 3-Day Notice Abandonment 法律 Premises liability（狗咬人） Warranty of habitability Lease violation
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🎬 房客人間蒸發，是「棄屋 Abandonment」還是正常解約？｜租約終止、驅逐與個人物品｜加州房東生存實境劇（第 5 集）When a Tenant Disappears: Abandonment vs. Eviction ｜California Landlord Script Series Ep. 5
房客三個月沒付房租、電話不接、簡訊不回，你終於用備用鑰匙打開門，發現：冰箱空了、衣櫃幾乎被清空，卻還留著幾箱雜物與舊沙發。這到底算「搬走了」，還是「棄屋未完成」？房東能不能當場把東西丟掉、馬上招新房客？這篇用房東 × 房客 × 鄰居 × 法律顧問的實境劇本，教你怎麼判斷是否構成棄屋，何時需要走驅逐程序、何時可以依照棄屋程序處理，還有遺留物品的通知與保存。, Your tenant hasn’t paid rent for three months and won’t answer calls or texts. You finally use the backup key and find the fridge empty, the closet mostly cleared, but boxes and an old sofa still inside. Is that a true move-out, partial abandonment, or something in-between? Can…
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🎬 房客養比特犬／大型犬，房東要負責嗎？｜狗咬人、HOA 舉報與保險｜加州房東生存實境劇（第 4 集）Large Dogs, Pit Bulls & Landlord Liability｜California Landlord Script Series Ep. 4
房客說「狗很乖、不會咬人」，但鄰居已經被嚇到不敢走走廊，HOA 信也來了，保險公司還問你是不是有「restricted breeds」。這篇用房東 × 房客 × 鄰居 × HOA 的實境對白，拆解房東遇到比特犬、大型犬時：什麼時候只是「鄰里關係問題」，什麼時候會變成「狗咬人訴訟＋保險不賠」的大坑，房東可以怎麼用租約條款、通知與保險配置來保護自己。, The tenant insists, “My dog is friendly, he never bites,” but neighbors are afraid to walk down the hallway, the HOA sends violation letters, and your insurer asks if there are any “restricted breeds” on the premises. This script-style article shows how a landlord can…