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Old 02-04-2015, 03:05 PM   #61
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Originally Posted by explanade View Post
Hmm, so medical evacuation is only to an "appropriate" medical facility, not necessarily back home to your hospital of choice.
All the ones I have used say the same thing. We are in Mexico for the season and we could be evacuated to Houston. We live in Vancouver but I would rather be alive in Houston...
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Old 02-04-2015, 03:58 PM   #62
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How do you know they wouldn't just get you to some hospital in Mexico, instead of to the US?

I think if it happened in Western Europe, it would be okay not to be transported back across the Atlantic.

Some developing countries though?
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Old 02-04-2015, 06:21 PM   #63
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Typically the policies have something in there about a Western standards hospital, but let's face it: I've been plenty of places where it would take a long time to get to even the most rudimentary health services, so just take my chances.


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Old 02-05-2015, 08:21 AM   #64
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Here's something I don't understand. When I book a cruise, do I have to decide on travel insurance as I book? Or can I just get insurance after I book (Either through something like Costco or another place)?
You generally can purchase insurance anytime after your initial booking until the day you travel. HOWEVER, if you want to include any 'pre-existing conditions' in your coverage, most of the major travel insurance companies will require that you purchase and pay for your insurance within some specified number of days following your booking (e.g., 10 days). When my elderly mother is traveling, or when I am traveling, we always make sure to cover pre-existing conditions, since it gets increasingly hard to avoid those as a reason for needing to cancel a trip. (And they wouldn't allow me to travel home to be with my mother if she had a medical crisis based on her pre-existing condition while I was traveling unless I had this coverage). Both my mother and/or my late father have had to use such insurance to cancel trips for medical reasons numerous times over the years.

Note that some of the 'cheaper' travel insurance don't have any option to include pre-existing conditions -- so check that carefully if you want this coverage.

Re: cruise company insurance vs. others, I agree that stand-alone companies are often cheaper, but we actually used this for the first time on a cruise last year. We were glad we did, since we had to cancel the trip at the last minute because of a non-medical issue. The beauty of that insurance was that it was very comparable in price to other major companies like TravelGuard and CSA, it included airfare coverage, and it actually also included 'cancel for any reason' insurance that usually comes at a high premium for other companies (something we really needed in this instance). It was also incredibly easy to use, and just a phone call to cancel the trip was enough to get reimbursed, no paperwork, no forms, nothing. (Unlike the cumbersome insurance documentation I had to pull together over several months for a $235 medical services claim for my mother when she was on a trip abroad last year).

In my case, I always make sure I am very insured for all eventualities even when I travel on my own because of my elderly mother, and the possibility that I'll have to cancel or interrupt a trip at any time. YMMV.
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Old 02-05-2015, 11:02 AM   #65
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You generally can purchase insurance anytime after your initial booking until the day you travel. HOWEVER, if you want to include any 'pre-existing conditions' in your coverage, most of the major travel insurance companies will require that you purchase and pay for your insurance within some specified number of days following your booking (e.g., 10 days). When my elderly mother is traveling, or when I am traveling, we always make sure to cover pre-existing conditions, since it gets increasingly hard to avoid those as a reason for needing to cancel a trip. (And they wouldn't allow me to travel home to be with my mother if she had a medical crisis based on her pre-existing condition while I was traveling unless I had this coverage). Both my mother and/or my late father have had to use such insurance to cancel trips for medical reasons numerous times over the years.

Note that some of the 'cheaper' travel insurance don't have any option to include pre-existing conditions -- so check that carefully if you want this coverage.

Re: cruise company insurance vs. others, I agree that stand-alone companies are often cheaper, but we actually used this for the first time on a cruise last year. We were glad we did, since we had to cancel the trip at the last minute because of a non-medical issue. The beauty of that insurance was that it was very comparable in price to other major companies like TravelGuard and CSA, it included airfare coverage, and it actually also included 'cancel for any reason' insurance that usually comes at a high premium for other companies (something we really needed in this instance). It was also incredibly easy to use, and just a phone call to cancel the trip was enough to get reimbursed, no paperwork, no forms, nothing. (Unlike the cumbersome insurance documentation I had to pull together over several months for a $235 medical services claim for my mother when she was on a trip abroad last year).

In my case, I always make sure I am very insured for all eventualities even when I travel on my own because of my elderly mother, and the possibility that I'll have to cancel or interrupt a trip at any time. YMMV.
Thanks for the information. I'm glad that the claim process worked smoothly for you when you needed it. Upon booking, I did get a quote from TravelGuard which has a 15 day period for the pre-existing conditions. I've been emailing with my regular insurance agent who's looking into an alternative, but if not, I'll get the one from TravelGuard.
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Old 02-05-2015, 11:12 AM   #66
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Here's one emergency evacuation company's transportation rule:

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Regardless of medical necessity, if a member is hospitalized 150 miles or more from home, Medjet will arrange medical transfer to the hospital of their choice within their home country with no pre-existing condition exclusions (under age 75), health questions, deductibles or claim forms. There are no monetary limits to the program’s benefits and no restrictions on the amount or type of travel taken annually.
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Old 02-13-2015, 01:20 PM   #67
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I decided to forgo the travel insurance and go with a temporary Medjet membership during the time of the trip. I have BCBS and will depend on that for the medical part.

I'm rolling the dice that the trip won't get cancelled or I won't have to cancel
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Old 02-13-2015, 01:23 PM   #68
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Have to say I've never bought travel insurance, though I hear that my Chase Sapphire Preferred card offers some travel insurance protection.

And I've often bought no-cancel hotel reservations, to get a lower rate, which often means prepaying months in advance.

Well at least I don't have to worry about work preventing me from going on a trip I'd booked.
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Old 05-19-2016, 01:20 PM   #69
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I returned to this thread to explore annual travel insurance. My main interest was emergency medical assistance. I went to Steve at https://tripinsurancestore.com/trust...nce-providers/ and asked him for recommendations. He steered me to GeoBlue Trekker Choice Geo Blue Trekker Travel Medical Plans - For $460 my wife and I are now covered for multiple trips all year and have ample coverage for emergency medical care including evacuation. I called around and explored online to see if Steve's recommendation would hold up and it did. I hope we never have to use this, but for now I'm feeling good knowing that we have it.
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Old 05-19-2016, 03:40 PM   #70
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My personal insurance is with one of the Blue insurance company. They have agreements with hospitals all over the world to provide care and pay for it.

Other than that I have emergency evacuation insurance.

I never buy lost luggage, delay , or cancellation insurance.
My group insurance is also with a Blue company. There is a worldwide coverage, including emergency evacuation, deductible and OOP applied first.

After I retire, I will be looking for a plan that also covers worldwise from CoveredCA if I can find one.
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Old 05-19-2016, 03:45 PM   #71
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How do you know they wouldn't just get you to some hospital in Mexico, instead of to the US?

I think if it happened in Western Europe, it would be okay not to be transported back across the Atlantic.

Some developing countries though?
My health insurance is also Blue Cross/Blue Shield, but when I called them they told me that if I am on Medicare Supplemental Insurance that Medicare does not cover foreign medical emergency care. She also recommended travel insurance to cover evacuation and emergency care. I liked it that my policy is connected to BC/BS
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Old 04-19-2017, 07:16 PM   #72
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Have to say I've never bought travel insurance, though I hear that my Chase Sapphire Preferred card offers some travel insurance protection.

And I've often bought no-cancel hotel reservations, to get a lower rate, which often means prepaying months in advance.

Well at least I don't have to worry about work preventing me from going on a trip I'd booked.
Well it finally caught up with me earlier this month in Spain.

Now I have over a $6000 bill to show for it. I didn't have travel insurance but Chase Sapphire Reserve card (which replaced the Chase Sapphire Preferred card I used to have) does offer $2500 for medical as well as medical evacuation (which I obviously didn't look into using).

It also offers trip delay and cancellation insurance. I missed a scheduled flight so I had to buy another ticket and incurred additional expenses for car rental.

So we'll see how well they take care of customers who pay the $450 annual fee.

In the meantime, I wanted to dig up this thread to look at travel insurance options for two other trips I have scheduled this year.
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Old 04-19-2017, 08:37 PM   #73
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Well it finally caught up with me earlier this month in Spain.

Now I have over a $6000 bill to show for it. I didn't have travel insurance but Chase Sapphire Reserve card (which replaced the Chase Sapphire Preferred card I used to have) does offer $2500 for medical as well as medical evacuation (which I obviously didn't look into using).

It also offers trip delay and cancellation insurance. I missed a scheduled flight so I had to buy another ticket and incurred additional expenses for car rental.

So we'll see how well they take care of customers who pay the $450 annual fee.

In the meantime, I wanted to dig up this thread to look at travel insurance options for two other trips I have scheduled this year.
Hopefully, you experience will be as good as ours. DW fell and broke her kneecap in Vienna while in the middle of a tour. Chase paid the balance of the tour cost (we had one more city) and the loss of the prebooked air fare home. Unfortunately, nothing for the last minute Business Class home--DW was in a hip to heal cast so full recline was essential. The Preferred did not cover the medical but we used our Plan F coverage from BCBS. I thought Chase was time consuming. It was a snap compared to what it took to get paid under Plan f coverage. Note Plan F international coverage is for 80% of usual and customary plus a deductible. They have their own reimbursement gotchas. Ended up with 50-60% for reimbursement of
ambulance to hospital/meds/ER.
We now have Sapphire Reserve so it is covered if we should need again.
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Old 04-19-2017, 09:11 PM   #74
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My wife always insisted we have travel insurance. On a recent cruise, she developed a respiratory infection that required 3 days hospitalization in NY. Our health insurance covered part of it, and the travel insurance covered almost everything else, including new plane tickets home and the medical charges on the cruise.
We now never travel without insurance. We are in our 70's and you never know what can happen.
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Old 04-19-2017, 09:12 PM   #75
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Plan F from BCBS doesn't sound like an ACA plan.

So some Medicare Advantage plan?

I don't expect my ACA plan to cover it. It's an EPO, meaning it won't even cover out of network providers in the US.
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Old 04-19-2017, 09:51 PM   #76
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Plan F from BCBS doesn't sound like an ACA plan.

So some Medicare Advantage plan?

I don't expect my ACA plan to cover it. It's an EPO, meaning it won't even cover out of network providers in the US.
Nope, just a standard Medicare Supplemental policy offered by Premera which is BCBS provider in WA state
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Old 04-25-2017, 11:02 PM   #77
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.....We are in our 70's and you never know what can happen.
I was just on a cruise, where the ship had to divert for 90 minutes so a helicopter could come and air lift a 41 yr old man off to the hospital.
Coast Guard medevacs man from cruise ship Carnival Magic | Coast Guard News

It made me feel better about my travel insurance purchase.
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Old 04-26-2017, 07:18 AM   #78
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I was just on a cruise, where the ship had to divert for 90 minutes so a helicopter could come and air lift a 41 yr old man off to the hospital.
Coast Guard medevacs man from cruise ship Carnival Magic | Coast Guard News

It made me feel better about my travel insurance purchase.
My wife and I are in our mid 50's and we have done 2 TA's (cruises.) On our first TA, a passenger had a heart attack on the ship and had to be taken back to Portugal (via Helicopter.) We liked the way Celebrity Cruise handled the whole experience and we have opted to purchase basic travel insurance (Allianz) for our trips. For most of our vacations, the cost of the coverage is quite minimal (Less than $200.) Our justification is: we have aging parents, an accident can happen, and baggage can be misrouted.

Ironically, on our last cruise (which we didn't have insurance for,) we had travel problems coming and going - and although it didn't affect the cruise, the changes brought a bit of anxiety.

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Old 04-26-2017, 11:52 AM   #79
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I was just on a cruise, where the ship had to divert for 90 minutes so a helicopter could come and air lift a 41 yr old man off to the hospital.
Coast Guard medevacs man from cruise ship Carnival Magic | Coast Guard News

It made me feel better about my travel insurance purchase.
I wonder though in that situation if you have to get preauthorized for that medevac helicopter from the insurance company?

Or would they reimburse you after the fact?
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Old 04-26-2017, 01:14 PM   #80
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I wonder though in that situation if you have to get preauthorized for that medevac helicopter from the insurance company?

Or would they reimburse you after the fact?
That evac was by the U.S. Coast Guard, so you already paid for it with your taxes. There's no extra charge, so nothing to file with the insurance.
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