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Old 08-30-2016, 06:47 PM   #41
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We used Chase Sapphire to cover trip interruption when my wife fell on stairs and broker her kneecap midway through a tour. Chase covered unused portion of tour cost and cost non-refundable return air. Chase DOES not cover medical. We used our Medicare Plan F but it had about a 1k worth of deductibles attached to it.
Chase did a great job but it took about 3 month of paperwork being exchanged. Probably no worse than if had to make a claim on other trip insurance claim. The Medicare piece was much longer--Took our Blue policy nearly six months to get all covered--they had outsourced to a Blue in Florida who apparently handles international Medicare claims for a number of the Blues
For our current trip to Europe in the Fall we have bought accidental injury and medical through squaremouth.com which is recommended by Chris Elliott (writes consumer protection blog for travel)--Compares 114 travel insurance policies from 21 providers. For 26 day trip, $156 for 500k medical.
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Old 08-30-2016, 09:51 PM   #42
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I wish I had seen this post last week. We just booked an Alaska cruise for next summer & paid nearly $1K for insurance. We have three elderly parents between us. Cruise cost is $12K. I only knew of the insurance offered thru the travel agency.
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Old 08-31-2016, 06:36 AM   #43
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I use World Nomads for travel medical insurance. Good prices and don't have a lot of exclusions for more adventurous trips.
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Old 08-31-2016, 07:16 AM   #44
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Originally Posted by Chuckanut View Post
My insurance coverage has plenty of overseas options or care in most first and second world countries. Other than that I buy emergency evacuation insurance since the cost of that can be huge 20,000+.


There are a lot of reasons it might be very expensive for you to leave your destination. If you're in a bulky leg cast you may need Business Class. If you need to go home early there are change fees. That doubles if you travel with someone. If the worst happens and your body has to be shipped back home that can be a huge burden. DH and I always agreed cheerfully that we'd have the other cremated and bring the ashes home if that happened, but I read one sad story (may have been here) about a woman who had to bury her husband in a Latin American country when he died on their trip. Cremation was illegal and shipping the body was too expensive.

Coverage for these things is relatively inexpensive because they're so rare, but it's important to make sure you have them.
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Old 08-31-2016, 07:29 AM   #45
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We always make sure we have emergency health insurance while travelling. Don't bother with trip cancellation insurance. I figure if we can afford the trip we can afford to lose the trip. All we would be missing are the memories which we can make up later. Also, I don't have much confidence in them paying off after reading all the fine print.
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Old 08-31-2016, 08:06 PM   #46
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We always get medical evacuation insurance when travelling internationally or on a cruise. One transatlantic cruise we were on had a passenger with a heart attack. The ship turned around to meet an Irish Coast Guard helicopter. I would hate to see the bill for that.
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Old 09-01-2016, 02:55 PM   #47
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We get our travel insurance through the cruise line and it is about 125.00/person. We had a friend that had to use his and just needed a letter from his doc. That alaska cruise must be really long because we just paid 4k for 10 days.
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Old 12-30-2016, 12:47 AM   #48
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Originally Posted by Sarah in SC View Post
I use World Nomads for travel medical insurance. Good prices and don't have a lot of exclusions for more adventurous trips.
I just checked out a quote for an upcoming trip.

Has anyone ever had to file a claim?

Wonder how restrictive the conditions are for say a medical evacuation, since it's a high-cost item.

The Explorer version appears to be about 50% more expensive but has higher coverage for things like property theft though the per article limit of $1500 is pretty low.
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Old 12-30-2016, 09:16 AM   #49
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I have had to make five claims over the years and I have never been hassled by the insurance companies .
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Old 12-30-2016, 10:58 AM   #50
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Claims on World Nomads?

If you go to insuremytrip.com, the same trip, 2-3 weeks, have premiums of several times that of World Nomads.

That's for comprehensive trip insurance.

There are travel medical only policies for like $50.

World Nomads seems almost too good to be true?
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Old 12-30-2016, 11:29 AM   #51
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My claims were with insure your trip.com
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Old 12-30-2016, 12:21 PM   #52
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Chris Elliott's website (consumer advocate) promotes squaremouth.com as worthwhile cost comparison tool for travel insurance.
I have used and found it helpful. It has a nice filtering menu to help sort out the tradeoffs for features you don't need or are duplicate for credit card coverages
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Old 12-30-2016, 01:28 PM   #53
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We used squaremouth for our last trip. Was very satisfied with the service. We did not have a claim.
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Old 12-31-2016, 01:08 PM   #54
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I'm looking for medical and evacuation insurance only. To do that on say, insuremytrip.com would I enter $0 for cost of the trip?

Is there a way to get medical/evacuation only for World Nomads?

TIA!


+++++++++++++++


Edit to add: I found the chat button and the person said to enter $0 if I didn't want cancellation insurance. I can get a John Hancock Gold plan for two months for two people with $200,000 medical and $1,000,000 evacuation plus accidental death for $140.00


I believe I have medical coverage through Kaiser, but I don't feel totally comfortable with that. I think for the $140.00 for primary coverage it is worth it for the added peace of mind.
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Old 12-31-2016, 03:38 PM   #55
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Another option is the one I have used for many years:

Quote:
MASA Assist is the premier provider of pre-paid medical transportation assistance. ... all transportation decisions are made by doctors, not insurance adjusters.
They cover us wherever we go, and the cost is very reasonable. Rates vary, but my AFA membership gets me their Platinum (worldwide coverage) membership for just $390 per year for two of us. Normal price would be $720 but look at their website to see all the discounts available for various partner associations.

I have never made a claim [knock on wood], but I have also never seen any complaints about them.
  • Emergency Air Transportation / Medical Evacuation
  • Helicopter Transportation
  • Ground Ambulance Transportation
  • Organ Retrieval
  • Organ Recipient Transportation
  • Recuperation/Repatriation
  • Escort Transportation
  • Non-Injury Transportation
  • Minor Children/Grandchildren Return
  • Vehicle Return
  • Mortal Remains Transport
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Old 12-31-2016, 03:43 PM   #56
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If you're hurt seriously enough, maybe you have to be hospitalized at a nearby hospital before you can even think about being transported back home, across continents on a 10 hour or more flight?

So wouldn't health care reimbursement for treatments and hospital stays in another country be more likely than a medical evacuation?
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Old 12-31-2016, 08:28 PM   #57
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We have a separate medical evac--they will transport you to your home town from anywhere But you must be hospitalized. Wife broke her knee coming down stairs inVienna. We made the mistake getting her release to travel home for the surgery But had already left hospital (in a toe-to-hip cast). Had she been admitted policy would have paid, instead we ate day of travel business class fares (ouch).
We use AirAmbulance since they will transport at your request once hospitalizes. Many of the other evac policies we looked at only evac to home if THEIR doc says it is necessary. Lot of them only evac to location with sufficient ability to provide car required. Forget if speaking English is desired.
You really really goy to read the fine print!
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Old 12-31-2016, 08:46 PM   #58
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So you didn't get reimbursed for those business class fares?
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Old 12-31-2016, 09:30 PM   #59
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Nope--policy is clear that the insurer must arrange flights After admission to local hospital. My error, but that is why you must read AND remember the fine print on any med evac policy you buy so you understand who is calling the shots at each step of any claim.
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Old 01-01-2017, 11:39 AM   #60
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We do not bother with trip cancellation insurance other than what our credit card covers. We self insure. After years of travel we are well ahead of the curve.

We do buy out of country medical and evac insurance. We have 60 days from my former employer however we are often gone for longer. We buy a top up policy from an insurance broker. We have priced insurance on the web, from travel agents etc. and found that the easier it is to buy it the more expensive and the less comprehensive it is. One year we extended a vacation by stopping in Hawaii on the way home from Oz. We contacted the insurer and added several days to the coverage. We need this sort of flexibility because our travel plans are seldom set in concrete. At one point we traveled out of country for six months. We purchased a policy that had a $3K deductable. This reduced the premium. Our concern is for the higher exposure.

We are in good health but accidents happen. My spouse cracked several vertibrae in her back a few years ago while we were in Kuala Lumpur. The insurance paid the entire claim immediately. It was only$750CAD for a half day in hospital, Xrays, MRI, specialist consult, and prescription medication. It could have been much worse.
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