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Melcro, you might want to do a "search" in this site for that topic. Previously, I've seen it discussed at some length (by others who are more knowledgeable than me).
Just make sure you carry an emergency credit card to cover the cost of expensive medical care. You are expected to pay at time of service. The travel insurance companies will reimburse some time later when claim is submitted. Not like the USA where you present your insurance card at time of service and you are billed later.
The devil is always in the details. You should read the policies carefully so that you know exactly what is covered. I also have a Medigap plan that will pay 80% after a $250 deductible, but there is a lifetime cap of $50,000 and it only covers you during your first 60 days out of the country. If you also buy travel insurance it should cover the remaining 20%. Either way, you will need to pay up front and submit for reimbursement. I like that my AXA plan is primary coverage reimbursing 100% and I don't have to submit to my home insurance carrier first.
I haven't found that to be true, but if you want to cover pre-existing conditions you do have to purchase within 2 weeks of making your first payment towards your trip. I believe that even covers pre-existing conditions of a relative that you may have to travel home for in an emergency - this is for US plans. Not all companies have this pre-existing conditions waiver, that's why I like using SquareMouth to choose the features that are most important to me.
One year we waited too long and ended up with a BCBS plan that was twice the cost with half the coverage compared to buying it at the same time as the original flight date booking. I used that company on two trips. Have also used AXA and Allianz for several trips. One issue we have started to run into is that they don't want to cover Phil who is 74 this year or don't want to cover a longer trip. This year our time in the EU will be 80 days. Last year we had some difficulty finding coverage for our time transiting through Canada on another long trip.
In the past I have waxed lyrical about Covermore Insurance , sadly I can no longer recommend that company.
Probably worth checking your policy. Many don’t cover this type of thing, and most don’t cover consequential losses.
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A policy that doesn't cover natural disasters is not a policy it is fraudulent .
Still money well spent, I think.
If you need a recommendation for TI, then please let me know. Unlike many insurance carriers that offer little support with claims, I've worked with an agent who is passionate about ensuring I can fully benefit from my coverage. I wish you a healthy and blessed 2025!!
Thanks for that. I may be sending you a pm as we start thinking about the next year.
Well no! You are buying what it says in the policy! No more no less. The coverage areas and the value they are covered to.
Ok, this says it only covers 70 days and we'll be gone 80 days this year so it was probably screened out of our choices.The policy options are limited as you get older. I’m over 75 and have GeoBlue Trekker Choice, $265 annual premium. Seems to have all coverage features, but never had claim.
Had a claim with Alianz (via Delta airlines) years ago, never got a cent, they just kept asking for more info until I couldn’t get it (medical records), then final denial.
Have you looked on SquareMouth? I just checked for a 74 year old for almost 90 days, and the AXA Platinum plan is $146.00. That includes $1,000,000 for medical evacuation, and $250,000 for primary medical. I checked "no" for trip cancellation coverage, and left the trip cost at zero.
Yes, that is the one we have for this year's trip. I think it was AXA that I had trouble collecting from before although it could have been Alliance.
AXA reimbursed me 100% of the medical bills I submitted when I broke my wrist in Portugal. There was a post/thread a while ago from someone who had a terrible time with Allianz.
My point exactly , Cover more will not honour their policies , at least not without argument , much delay and the threat of legal action . The mantra of ' delay ,deny and defer ' used recently in tragic circumstances seems to be the standard operating method of insurance companies in general .
