I posted on Bogleheads, but aparantely those folks are in the full swing of saving and nobody travels or nobody buys such insurance. So, now I'll try my luck here in addition to googling.
We've bought flight tickets to Germany in June, but will also fly to Ireland. Maybe take a train to Vienna or Budapest (not sure yet). In the past, we never considered buying travel insurance, but now we think we should.
Have you bought such an insurance? What was your experience when you need to use it?
What are good places/websites to buy from? What insurance co. to consider? A.M.Best rating will not tell us which insurance companies device intricate/complex fine print and then find a loophole why the victim shouldn't be covered.
In order to get quotes, I need to provide my trip cost/value. What's that? Is it price of tickets or also lost wages if I'm stuck abroad for whatever reason?
E.g. We bought two separate tickets (to Germany on the US Air and then from there to Dublin on AerLingus). Let's we make it to Germany, and then oops one of us gets sick and cannot fly to DUB, will this insurance refund us the money we paid for the tickets to DUB?
Someone wrote that she got this insurance from AerLingus because it was cheap. I think the author was an American, but I'm not positive. It got me thinking: Is it risky to buy such insurance from a foreign co.? We reside in the US, though we a citizens of the countries in the EU (not sure it's an important piece or not).
Medical evacuation clause would be important for us? My question is who and when decides and how decides when the person should be flown home instead of staying in a foreign hospital? Would I have a say in this situation?
Of course, I hope we'll never need this insurance to use, but if there is an emergency what's the process? Do we pay first and insurance reimburses us or will we be able to contact the insurance company 24/7 from anywhere?
What else to consider?
Thanks
We've bought flight tickets to Germany in June, but will also fly to Ireland. Maybe take a train to Vienna or Budapest (not sure yet). In the past, we never considered buying travel insurance, but now we think we should.
Have you bought such an insurance? What was your experience when you need to use it?
What are good places/websites to buy from? What insurance co. to consider? A.M.Best rating will not tell us which insurance companies device intricate/complex fine print and then find a loophole why the victim shouldn't be covered.
In order to get quotes, I need to provide my trip cost/value. What's that? Is it price of tickets or also lost wages if I'm stuck abroad for whatever reason?
E.g. We bought two separate tickets (to Germany on the US Air and then from there to Dublin on AerLingus). Let's we make it to Germany, and then oops one of us gets sick and cannot fly to DUB, will this insurance refund us the money we paid for the tickets to DUB?
Someone wrote that she got this insurance from AerLingus because it was cheap. I think the author was an American, but I'm not positive. It got me thinking: Is it risky to buy such insurance from a foreign co.? We reside in the US, though we a citizens of the countries in the EU (not sure it's an important piece or not).
Medical evacuation clause would be important for us? My question is who and when decides and how decides when the person should be flown home instead of staying in a foreign hospital? Would I have a say in this situation?
Of course, I hope we'll never need this insurance to use, but if there is an emergency what's the process? Do we pay first and insurance reimburses us or will we be able to contact the insurance company 24/7 from anywhere?
What else to consider?
Thanks