Travel Insurance for Americans

[HeatherJourney]

There have been several threads recently about illness and safety on the Camino.

I have been looking into travel insurance, as this seems to be a good idea and a reasonable precaution. I’ve never had it before, but I’ve also never taken this type of trip before.

However, when I’ve searched online for plans that seem to offer the right type of insurance, they often exclude those who live in the USA and are traveling to other countries.

I keep finding plans for people traveling into the USA, but for some reason, not the other way around. I’m not finding much of what I want, which is for Americans traveling out of the country, and a policy that would cover any emergency services, hospitalization, or evacuation.

Of course, I trust that I will have a safe and healthy trip! Still, it’s good to be covered.

Do any fellow Americans have suggestions of what to look for, or specific companies or websites to use?

 

[C clearly]

Click on the tag I've put under the title of this thread, and have a browse through those threads.

 

[HeatherJourney]

Thank you! I will!

 

[Mananath]

I have been using SevenCorners for the past few years though I have never had to file a claim. Options available depend on the state you live in. My main priority for travel insurance is medical and evacuation coverage. I don't get the trip cancellation coverage etc. On the Seven Corners site you could just put in 0 dollars for trip amount if you want just the medical coverage.

 

[jimsantiago]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

 

[FoxyR]

My health insurance has a partnership with international SOS to provide coverage when traveling. They recommend against supplementary travel insurance. They go on to say: “If you’re considering buying extra health insurance, keep in mind that all private and travel insurance policies pay before we do. If you get care while traveling overseas, you’ll need to file your claim for reimbursement with your travel insurance first.”

I’d recommend contacting your agent/insurance company and getting their fact based recommendation. They will know any gaps in your coverage better than any of us well meaning internet strangers.

 

[Jarrad]

I recommend Nationwide. I have used them in the recent past (2022) for travel insurance. They were easy to work with and the rates were reasonable.

Regarding medical care in Spain, it's pretty good. Is it better than in the US? I have relatives who both live in Spain and work in the healthcare system (an ER doctor). You will not have access to the wide variety of specialists and procedures to the same extent that you may be used to in the US, but you will generally get what you need.

 

[HeatherJourney]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

I agree, if it were something common I would do the same - simply seek care and just pay for it. I’m not concerned at all about the quality of health care there. And again, I don’t expect any problems.

However, there could be a need if someone were injured far from a major city or if they needed to be transported home to recuperate. It is for the “what if” situations that are, thankfully, highly unlikely.

 

[HeatherJourney]

My health insurance has a partnership with international SOS to provide coverage when traveling. They recommend against supplementary travel insurance. They go on to say: “If you’re considering buying extra health insurance, keep in mind that all private and travel insurance policies pay before we do. If you get care while traveling overseas, you’ll need to file your claim for reimbursement with your travel insurance first.”

I’d recommend contacting your agent/insurance company and getting their fact based recommendation. They will know any gaps in your coverage better than any of us well meaning internet strangers.

Thank you. I’ll see if I can find out anything. My health insurance is through my job, and I am not aware of any coverage outside of the country. Maybe I’ll be pleasantly surprised.

 

[CWBuff]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

I agree, if it were something common I would do the same - simply seek care and just pay for it. I’m not concerned at all about the quality of health care there. And again, I don’t expect any problems.

However, there could be a need if someone were injured far from a major city or if they needed to be transported home to recuperate. It is for the “what if” situations that are, thankfully, highly unlikely.

Yes @HeatherJourney that is precisely it. The "evacuation " is if God Forbid one needs a special transportation back home. There are other benefits as well.
In my case I have been using Travelex for quite a while. Thise few times when I did have a claim it was paid relatively prompt and with no headache

 

[Mananath]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

Definitely better and cheaper than US healthcare but the evac insurance covers stuff like needing a helicopter to bring you to a hospital (some countries like NZ don't charge for this, even for tourists). And then getting you home if you aren't ambulatory and/or can't sit in a regular coach seat on a plane.

I think of it as catastrophic injury insurance.

 

[trecile]

I bought AXA insurance through SquareMouth.com. It really paid off in 2022 by reimbursing me 100% of my medical costs when I broke my arm in Portugal, which I wrote more about in several of the other threads about insurance.

Travel Insurance - Compare the Best Quotes & Buy Online

Squaremouth helps travelers quote, compare, and buy travel insurance. We help every customer to find the best trip insurance for the lowest price.

www.squaremouth.com

 

[Maurice Frank]

I purchased SevenCorners through SquareMouth for my Camino Frances last fall (I’m American). I had my blisters treated by the town medical clinic in Fromista. I had to pay cash, about $77 USD and I got a receipt. When home I filed a claim with documents. The claim was paid in full in 30 days, no hassle. I bought SevenCorners again for my next Camino.

I hope whatever you choose serves you well, even if that only means peace of mind.

 

[Susan Peacock]

I agree, if it were something common I would do the same - simply seek care and just pay for it. I’m not concerned at all about the quality of health care there. And again, I don’t expect any problems.

However, there could be a need if someone were injured far from a major city or if they needed to be transported home to recuperate. It is for the “what if” situations that are, thankfully, highly unlikely.

There have been several threads recently about illness and safety on the Camino.

I have been looking into travel insurance, as this seems to be a good idea and a reasonable precaution. I’ve never had it before, but I’ve also never taken this type of trip before.

However, when I’ve searched online for plans that seem to offer the right type of insurance, they often exclude those who live in the USA and are traveling to other countries.

I keep finding plans for people traveling into the USA, but for some reason, not the other way around. I’m not finding much of what I want, which is for Americans traveling out of the country, and a policy that would cover any emergency services, hospitalization, or evacuation.

Of course, I trust that I will have a safe and healthy trip! Still, it’s good to be covered.

Do any fellow Americans have suggestions of what to look for, or specific companies or websites to use?

So I’m reading lots of bad advice here. I have walked lots of Caminos and from first hand experience know that the Camino does not protect you from serious illness or death. I had a friend die on one of my Camino’s. It happens.
So everyone’s needs are different for medical insurance, but most people should have a travel policy for medical coverage. Yes, they will treat you in Spain and might or might not bill you for small things but should you need surgery or worse you will need insurance.
The other important part of a travel insurance is repatriation to get you or your body back home. This can be tremendously expensive.
I have annual travel insurance from Allianz. They also sell it for just a trip. Beware buying it with your plane ticket as the coverages may not be adequate. Also know that you need to buy it within 14 days of your first non-refundable trip deposit to have the waiver for pre-existing conditions. In most cases this is your plane ticket.
I have filled a claim and was paid. I called first to make sure I was getting the correct documentation. In a non-English country I would expect this to be a little more complicated, no matter the company.

 

[t2andreo]

There have been several threads recently about illness and safety on the Camino.

I have been looking into travel insurance, as this seems to be a good idea and a reasonable precaution. I’ve never had it before, but I’ve also never taken this type of trip before.

However, when I’ve searched online for plans that seem to offer the right type of insurance, they often exclude those who live in the USA and are traveling to other countries.

I keep finding plans for people traveling into the USA, but for some reason, not the other way around. I’m not finding much of what I want, which is for Americans traveling out of the country, and a policy that would cover any emergency services, hospitalization, or evacuation.

Of course, I trust that I will have a safe and healthy trip! Still, it’s good to be covered.

Do any fellow Americans have suggestions of what to look for, or specific companies or websites to use?

Try Allianz.com. They provide coverage through most of the airlines when you book a flight. But they sell a wide variety of insurance products directly.

My personal health insurance in the US has a largely unknown benefit - it can be used overseas. They have a website for that, specific feature.

I always carry supplemental cover - like through Allianz - to cover expensive things like medical evacuation home from Europe.

Between the excellent local health systems, my personal health insurance, and the limited term travel insurance, I have total peace of mind.

Hope this helps,

Tom

 

[Rick of Rick and Peg]

SevenCorners (the one nine years ago) also reimbursed us for a bill we paid with no hassle and quickly. It was for about $150 if I remember correctly.

 

[motero99]

I also vote for Squaremouth. They have a lot of options to choose from. It is best to purchase the same day you purchase your plane ticket. Most policies purchased then will cover pre=existing conditions. If you purchase later, you have to look at the wait time frame for coverage to kick in for a pre-existing condition. Some are two months, other plans make you wait for 6 months or more. Even getting a prescription change can kick in the pre-existing conditions exclusion. Ten days before my first camino, I had surgery to remove a tumor from my bladder. As part of the procedure, they filled my bladder with chemo for a couple of hours. I had a reaction before I left and then about 3 weeks in, I had another reaction and had to back track to Leon. The Spanish medical care was great. Unfortunately, I had to cover the $350 dollar cost out of my pocket as the pre-existing conditions clause kicked in. For my second camino, I was conscious of the pre-existing coverage time frames, but not aware of the need to get insurance on the same day as purchasing my airfare. I did get a good policy through Squaremouth, but had to pay more, Also, as someone else mentioned, evacuation coverage can save you a lot of money. My kids were relieved that if I died, they would get my body back without a lot of expense.

 

[OK20090]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

Jim Santiago-the issue might not be just a simple Dr visit to pay out of pocket. What if one gets hit by a car, motorbike etc. things happens. Spains medical care is good but a week in the ICU at any hospital will be huge dollars. IMHO it is careless to go without accident/medical insurance. So far this trip (I’m on the Camino now) I’ve seen broken ankles, and blown out knees requiring surgery.

 

[Tracey Neal]

Medicare pays nothing outside of the USA

 

[JerryStroebele]

I have an annual policy with Travel Insured International. On one Camino I caught covid and had to "self isolate" in Madrid for 11 days before I could return to the US. I rented a bnb studio for 1100 euros. It took awhile but I was fully reimbursed for the bnb and the $900 change fee for my return flight. Buen Camino

 

[Rick of Rick and Peg]

Medicare pays nothing outside of the USA

Agree. Veterans Affairs doesn't either (except for a few things that pilgrims won't encounter).

 

[Pilgrims3]

I would avoid Allianz. I learned the hard way when our flight was delayed at SFO due to mechanical problems which is not covered by Allianz. I now travel with IMG insurance since there policy is much more comprehensive then Allianz. The IMG policy covers mechanical delays which is the second leading cause of airline delays.

 

[CWBuff]

Medicare pays nothing outside of the USA

Agree. Veterans Affairs doesn't either (except for a few things that pilgrims won't encounter).

I do believe we can all agree that pretty much ANY US-issued medical insurance pays nothing outside of US. Come to think of it (and I've been really waxing on the subject lately in couple of different threads) these "insurances" pay next to nothing even inside the US....

Point is - get the insurance. do your homework and get whatever it is you decided upon. Since there are many choices some of us had good experiences with some companies and some - not so good. So, in that sense, it matters not what we suggest - it is still up to you

Just as an example here is my policy that I took out in anticipation of the upcoming TMB for both myself and my wife. These are per person.


Trip Cancellation 100% of Insured Trip Cost
Trip Interruption 150% of Insured Trip Cost
Trip Delay $2,000 ($200/day)

Missed Connection $750
Baggage & Personal Effects $1,000
Baggage Delay $200
Sporting Equipment Delay $200

Emergency Medical & Dental Expense $50,000 ($500 dental sublimit)
Emergency Evacuation & Repatriation $500,000
Accidental Death & Dismemberment $25,000
Travel Assistance Services Included

Good luck

 

[TravellingMan22]

A

I do believe we can all agree that pretty much ANY US-issued medical insurance pays nothing outside of US. Come to think of it (and I've been really waxing on the subject lately in couple of different threads) these "insurances" pay next to nothing even inside the US....

Point is - get the insurance. do your homework and get whatever it is you decided upon. Since there are many choices some of us had good experiences with some companies and some - not so good. So, in that sense, it matters not what we suggest - it is still up to you

Just as an example here is my policy that I took out in anticipation of the upcoming TMB for both myself and my wife. These are per person.


Trip Cancellation 100% of Insured Trip Cost
Trip Interruption 150% of Insured Trip Cost
Trip Delay $2,000 ($200/day)

Missed Connection $750
Baggage & Personal Effects $1,000
Baggage Delay $200
Sporting Equipment Delay $200

Emergency Medical & Dental Expense $50,000 ($500 dental sublimit)
Emergency Evacuation & Repatriation $500,000
Accidental Death & Dismemberment $25,000
Travel Assistance Services Included

Good luck

Admittedly I am from the UK where travel insurance is very different but $50k emergency medical seems very low?

 

[RedIsBest]

I do believe we can all agree that pretty much ANY US-issued medical insurance pays nothing outside of US. Come to think of it (and I've been really waxing on the subject lately in couple of different threads) these "insurances" pay next to nothing even inside the US....

Point is - get the insurance. do your homework and get whatever it is you decided upon. Since there are many choices some of us had good experiences with some companies and some - not so good. So, in that sense, it matters not what we suggest - it is still up to you

Just as an example here is my policy that I took out in anticipation of the upcoming TMB for both myself and my wife. These are per person.


Trip Cancellation 100% of Insured Trip Cost
Trip Interruption 150% of Insured Trip Cost
Trip Delay $2,000 ($200/day)

Missed Connection $750
Baggage & Personal Effects $1,000
Baggage Delay $200
Sporting Equipment Delay $200

Emergency Medical & Dental Expense $50,000 ($500 dental sublimit)
Emergency Evacuation & Repatriation $500,000
Accidental Death & Dismemberment $25,000
Travel Assistance Services Included

Good luck

CWBuff - what insurance company did you go with?

 

[trecile]

Medicare pays nothing outside of the USA

No, but many Medigap supplements pay 80% with a lifetime cap of $50,000

I do believe we can all agree that pretty much ANY US-issued medical insurance pays nothing outside of US.

Not true. I went to the hospital in Santiago one year to rule out a stress fracture (it was shin splints), and my health insurance through my husband's employer paid 80%.

But, you can't assume that you are covered - you need to check with your insurer to see what's covered. I also had travel insurance to pick up the remaining 20%.

 

[Pilgrims3]

Reading the actual policy details is a must rather than just reading the policy summary !!

 

[RobertBoynton]

There have been several threads recently about illness and safety on the Camino.

I have been looking into travel insurance, as this seems to be a good idea and a reasonable precaution. I’ve never had it before, but I’ve also never taken this type of trip before.

However, when I’ve searched online for plans that seem to offer the right type of insurance, they often exclude those who live in the USA and are traveling to other countries.

I keep finding plans for people traveling into the USA, but for some reason, not the other way around. I’m not finding much of what I want, which is for Americans traveling out of the country, and a policy that would cover any emergency services, hospitalization, or evacuation.

Of course, I trust that I will have a safe and healthy trip! Still, it’s good to be covered.

Do any fellow Americans have suggestions of what to look for, or specific companies or websites to use?

 

[RobertBoynton]

Same situation, Heather, I did extensive research and ended up getting “World Nomads”….of course we don’t expect to use but they are affordable and an option for longer stays. Play with options a little and see what fits you, buen Camino!

 

[Annw]

Travel doc friends recommended MedJet Assist—they have seen it in action and were impressed. A neighbor of ours (without extra insurance) paid over $100k to bring ill hubby home. The “repatriation” is the expensive problem.

So we have an annual family Medjet Assist policy and luckily have not needed it.

 

[TravellingMan22]

Reading the actual policy details is a must rather than just reading the policy summary !!

Here, here and it’s wrong to describe it as ‘small print’, as many do! It’s is the policy, max trip length, residency parameters, pre - existing conditions, undiagnosed symptoms, and others, are fundamental to the policy you sign! You don’t get what you deserve, you get what you agree!

 

[CWBuff]

A

Admittedly I am from the UK where travel insurance is very different but $50k emergency medical seems very low?

Well I believe its for the immediate service which I am to understand in Europe is cheaper than US.
And of course as so many stated the hope is not to find yourself in need of it at all

CWBuff - what insurance company did you go with?

This is Travelex

No, but many Medigap supplements pay 80% with a lifetime cap of $50,000

Not true. I went to the hospital in Santiago one year to rule out a stress fracture (it was shin splints), and my health insurance through my husband's employer paid 80%.

But, you can't assume that you are covered - you need to check with your insurer to see what's covered. I also had travel insurance to pick up the remaining 20%.

WOW that's quite nice. not so lucky here - no foreign coverage

 

[TravellingMan22]

Well I believe its for the immediate service which I am to understand in Europe is cheaper than US.
And of course as so many stated the hope is not to find yourself in need of it at all


This is Travelex


WOW that's quite nice. not so lucky here - no foreign coverage

Sure, not my business and maybe UK does it different, but here medical insurance tends to cover into the millions! Yes Europe is cheaper but $50k won’t you very far.

Not a typo is it?

 

[CWBuff]

Nope not a typo. I can always up the ante if I want to though (still have plenty of time)

@TravellingMan22 - I just looked at the policy proper. this is what it states regarding Emergency Medical & Dental Expense

The Company will reimburse for Reasonable and Customary Charges, up to the Maximum Limit shown in the Schedule,if the Insured suffers an Injury or Sickness that requires them to be treated by a Physician. The Injury must first occur or the Sickness must first begin while on the Trip. The Company will reimburse Medically Necessary covered expenses determined by the treating Physician which are incurred to treat such Injury or Sickness during the course of the Trip.Coverage for Emergency Medical Expenses does not apply if treatment or expenses are incurred after the Insured has reached their Return Destination, regardless of the reason.
Covered Expenses:The Company will reimburse the Insured for:
● Services of a Physician, Dentist, or registered nurse (R.N.);
● Hospital charges;
● X-rays;
● Local ambulance services to and/or from a Hospital; and
● Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.
The Company will also reimburse the Insured for the cost of emergency dental treatment during a Trip, up to the Dental coverage Limit shown in the Schedule.
Advance Payment: If the Insured requires admission to a Hospital, the Travel Insurance Administrator will arrange advance payment, if required. Hospital confinement must be certified as Medically Necessary by the onsite attending Physician

I guess in addition is my CC travel insurance as well.

 

[TravellingMan22]

Nope not a typo. I can always up the ante if I want to though (still have plenty of time)

Ok mate. As I say it’s not my business but I think you are leaving yourself exposed with such a small coverage and I would sooner mention (even if unwelcome) then you have issues. Sorry! Maybe USA policies are structured in a total different way whereby they load the policy with repratriation costs.

 

[Madamjoy]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

A fellow Canadian suffered a major stroke on the CF. He was helicoptered from the Camino to a major Spanish city and spent couple of weeks in ICU where he received excellent care. Once stable enough, he needed to be medi-vacuated home to Ontario in a plane with special equipment. His evacuation insurance covered the flight that otherwise would have cost approx 100K. I agree there is excellent medical care in Spain but if you experience something like a stroke the Spanish system cannot care for you long term. Many of us are in our 60s-70s so the odds of a stroke, heart attack etc not insignificant. Incidentally the person in this story had full medical / accident coverage and was able to cover expenses of his wife who had to find accommodation nearby the hospital to be with him

I agree, if it were something common I would do the same - simply seek care and just pay for it. I’m not concerned at all about the quality of health care there. And again, I don’t expect any problems.

However, there could be a need if someone were injured far from a major city or if they needed to be transported home to recuperate. It is for the “what if” situations that are, thankfully, highly unlikely.

Here is a ‘what if’. In 2022 a Canadian suffered a major stroke in the Camino. He was in great physical condition prior to tuus. He was helicoptered from the Camino to a major Spanish city and spent nearly 3 weeks in ICU. Once stable he was medi-evacuated home on a flight with special equipment. Cost without insurance was in range of 100k. His insurance covered all the expenses including cost of his wife (who was with him on the Camino) needing to have accommodation etc near the hospital in Spain so that she could be with him. Many of us are fit and in our 60s, 70s and the odds of a stroke or heart attack are not insignificant. What if it happened to me? I buy the medical package that includes evacuation and pray I will never need it. And yes Spain has great medical system.

 

[CWBuff]

Ok mate. As I say it’s not my business but I think you are leaving yourself exposed with such a small coverage and I would sooner mention (even if unwelcome) then you have issues. Sorry! Maybe USA policies are structured in a total different way whereby they load the policy with repratriation costs.

No problem at all - I know you mean well and it is always better to err on the side of caution, so I do appreciate your input. I edited slightly the latest post to include more details and as I said will revisit with the Insurance Co as well

re:repatriation - I have a completely separate policy that we bought couple of years ago. The cost for my wife and I was a one-time fee of whooping $570.00 The benefit is that as long we (or one of us) is 75 or more miles from home and decide to get n the same Camino where Jesus Walks - they will collect the remains and transport them back to "our" funeral home. In case of any out-of-the-country travel they will also take care of all necessary consulate paperwork and secure all necessary permits. The only stipulation is that we MUST reside in US. (which we do). So, repatriation of remains - THAT I definitely don't worry about.

 

[Charles Ross]

We've not had a formal travel insurance policy for our Caminos. Instead we've relied upon a good travel credit card and some benefits from our supplemental Medicare policy.
Chase Sapphire Card provides the following: 2,500 in direct medical care, 100,000 in emergency evacuation and transportation, lost luggage, up to 3,000$, trip cancellation/interruption $10,000.
The supplemental policy from Medicare provider is 50,000$ lifetime.
Travel insurance is really expensive if you are older and away for a month +. It is a close call for us to get it when we travel even with a recent disastrous trip to Portugal/Spain. Paying @ 1,000 bucks for insurance for a 45 day trip? I don't know about that one. We have the emergency evacuation covered, we have $52,500 in direct medical expenses covered for each of us. Are we unwise?

 

[J F Gregory]

I use Missionary Ventures. I pay a small amount annually as I travel overseas regularly. I know that some of there medical is less cost. But everything helps. On one trip I got viral infection that ended me up in the ICU for 4 days while my wife had to wait for me. It covered 100% of my medical bills and paid for my wife's housing and meals while she waited close the hospital. Last year we were stuck in the Hamas invasion of Israel and it took a while but they paid full costs of housing and food plus the evacuation when I gave us orders to evacuate.

 

[nshaw]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

I think it depends on how long term your issue is and family support requirements, etc.

 

[SacredEarth]

There have been several threads recently about illness and safety on the Camino.

I have been looking into travel insurance, as this seems to be a good idea and a reasonable precaution. I’ve never had it before, but I’ve also never taken this type of trip before.

However, when I’ve searched online for plans that seem to offer the right type of insurance, they often exclude those who live in the USA and are traveling to other countries.

I keep finding plans for people traveling into the USA, but for some reason, not the other way around. I’m not finding much of what I want, which is for Americans traveling out of the country, and a policy that would cover any emergency services, hospitalization, or evacuation.

Of course, I trust that I will have a safe and healthy trip! Still, it’s good to be covered.

Do any fellow Americans have suggestions of what to look for, or specific companies or websites to use?

https://www.imglobal.com/ Try them. ive used them frequently. Excellent coverage.

 

[Raulvamir]

I used a company ERGO Seguros de Viaje. I had to go to a hospital because of a fever and a Cellulitis infection in my right foot/ankle. I spent the night in ER. I was attended very well at no extra cost. I am sure there are many other insurances but this one worked well for me a few weeks ago. The surprise was that they gave me a delicious paella for lunch. It had to headed large shelled shrimps on top.

 

[witsendwv]

I can understand trip cancellation coverage, but if you're a U.S. citizen, I don't know why you'd want or need evacuation insurance. Spain is a modern European nation. If I had a medical issue on the Camino, I'd just as soon seek medical care in Spain and pay for it out of pocket, as that is likely to cost less than your co-pay with your American health insurance policy. And I'm confident that Spanish health care is every bit the equal, and perhaps better, than in the United States.

We don't use trip cancellation insurance but we do have medical insurance as well as a membership to Medjet for evacuation. Minor medical issues can be cared for in Spain, but I would rather be evacuated to a hospital of my choice in the US for any major illness or injury. Getting home ASAP is important to us.

 

[Goyo]

We've not had a formal travel insurance policy for our Caminos. Instead we've relied upon a good travel credit card and some benefits from our supplemental Medicare policy.
Chase Sapphire Card provides the following: 2,500 in direct medical care, 100,000 in emergency evacuation and transportation, lost luggage, up to 3,000$, trip cancellation/interruption $10,000.
The supplemental policy from Medicare provider is 50,000$ lifetime.
Travel insurance is really expensive if you are older and away for a month +. It is a close call for us to get it when we travel even with a recent disastrous trip to Portugal/Spain. Paying @ 1,000 bucks for insurance for a 45 day trip? I don't know about that one. We have the emergency evacuation covered, we have $52,500 in direct medical expenses covered for each of us. Are we unwise?

Which Chase Sapphire card are you referring to, the Preferred or Reserve? Thanks.

 

[witsendwv]

We've not had a formal travel insurance policy for our Caminos. Instead we've relied upon a good travel credit card and some benefits from our supplemental Medicare policy.
Chase Sapphire Card provides the following: 2,500 in direct medical care, 100,000 in emergency evacuation and transportation, lost luggage, up to 3,000$, trip cancellation/interruption $10,000.
The supplemental policy from Medicare provider is 50,000$ lifetime.
Travel insurance is really expensive if you are older and away for a month +. It is a close call for us to get it when we travel even with a recent disastrous trip to Portugal/Spain. Paying @ 1,000 bucks for insurance for a 45 day trip? I don't know about that one. We have the emergency evacuation covered, we have $52,500 in direct medical expenses covered for each of us. Are we unwise?

Evacuation insurance I believe comes into play after the fact-you have to evacuate and then get reimbursement. Medjet will pick you (and a companion) up and take you to a hospital of choice in one of their jets.

 

[Atlas Traveler]

There have been several threads recently about illness and safety on the Camino.

I have been looking into travel insurance, as this seems to be a good idea and a reasonable precaution. I’ve never had it before, but I’ve also never taken this type of trip before.

However, when I’ve searched online for plans that seem to offer the right type of insurance, they often exclude those who live in the USA and are traveling to other countries.

I keep finding plans for people traveling into the USA, but for some reason, not the other way around. I’m not finding much of what I want, which is for Americans traveling out of the country, and a policy that would cover any emergency services, hospitalization, or evacuation.

Of course, I trust that I will have a safe and healthy trip! Still, it’s good to be covered.

Do any fellow Americans have suggestions of what to look for, or specific companies or websites to use?

I recommend purchasing it separately. !.) you will usually find a plan that offers higher limits of coverage and less expensive. I highly, highly recommend purchasing travel insurance from an insurance agent, because when you have to file a claim, you will want someone to assist you. Having an insurance agent work on your behalf will save you time, and aggravation and reduce the time to receive your claim settlement. I purchase a policy which offers medical evacuation to the hospital of your choice. Most plans only evacuate you to the closest hospital. Let me know if you need a referral. I wish you safe travels!!

 

[mcginnaz]

I recommend purchasing it separately. !.) you will usually find a plan that offers higher limits of coverage and less expensive. I highly, highly recommend purchasing travel insurance from an insurance agent, because when you have to file a claim, you will want someone to assist you. Having an insurance agent work on your behalf will save you time, and aggravation and reduce the time to receive your claim settlement. I purchase a policy which offers medical evacuation to the hospital of your choice. Most plans only evacuate you to the closest hospital. Let me know if you need a referral. I wish you safe travels!!

Who would you suggest?

 

[trecile]

Who would you suggest?

If you read through the thread you will find recommendations by members. I had a good experience with AXA, as I stated in this post:

Post in thread 'Travel Insurance for Americans'

May 9, 2024

I bought AXA insurance through SquareMouth.com. It really paid off in 2022 by reimbursing me 100% of my medical costs when I broke my arm in Portugal, which I wrote more about in several of the other threads about insurance.

Travel Insurance - Compare the Best Quotes & Buy Online

Squaremouth helps travelers quote, compare, and buy travel insurance. We help every customer to find the best trip insurance for the lowest price.

www.squaremouth.com

• trecile

• 

 

[CWBuff]

So. As I stated above I use Travelex for my insurance needs. Here is what happened since my original posts on this thread.
In July my wife and I attempted to hike TMB. Unfortunately she got hurt.
We were insured for $11,000.00 which basically covered the prepaid cost of the trip and airfare.
Under Inerrupted Trip clause we were eligible for up to 150% of our policy.
Medical bill were reimbursed separately and we were reimbursed for all transportation we took, old airfare and prebooked hotel in GVA. New airfare ang GVA hotel, incl. seats upgrades and even meals we ate..
The was a small hick up but I believe it was due to the fact that we moved while the claim was being adjudicated so it took 3 separate checks and roughly 4 months but the total amount received at the end exceeded the original $11,000.00
Draw your conclusions

 

[Marbe2]

I have been using SevenCorners for the past few years though I have never had to file a claim. Options available depend on the state you live in. My main priority for travel insurance is medical and evacuation coverage. I don't get the trip cancellation coverage etc. On the Seven Corners site you could just put in 0 dollars for trip amount if you want just the medical coverage.

I am not sure about all the plans, but I urge careful review about putting in zero dollars. With some companies, if you do not put in the correct amount it cst you, they will void coverage, because insurance companies charge you based upon the cost to you. If you are using mileage, then putting in zero is likely appropriate.

 

[Marbe2]

We don't use trip cancellation insurance but we do have medical insurance as well as a membership to Medjet for evacuation. Minor medical issues can be cared for in Spain, but I would rather be evacuated to a hospital of my choice in the US for any major illness or injury. Getting home ASAP is important to us.

I think doing a camino without medical insurance is foolish, especially for seniors. But at any age things can go wrong, If you trip on a rock and hit your head, have a heart attack, break a hip, have a stroke etc, the bill could be very substantial. Instances are reported yearly. As seniors, it does cost a bit more but there are policies that will cover you, for a couple of hundred dollars. If you think you can’t afford the insurance, then you will be in much more distress if you get seriously injured without it in Europe. Don’t fly out without it!

 

[henrythedog]

I’m in the UK and - for years - have subscribed to a reputable annual travel insurance policy; which I regard as ‘catastrophe’ insurance as - in Europe I’d either benefit from the reciprocal agreements with the UK, or in extremis use the insurance.

It may be a US thing, but I see posters (above) claiming for <$200. Does that not severely impair your premium the next time you take a policy and answer the ‘have you made a claim?’ Question?

Perhaps the US system of securing your own health insurance normalises the process more than it does in Europe where there is generally access to good public healthcare, albeit paid for through general taxation.

 

[trecile]

It may be a US thing, but I see posters (above) claiming for <$200. Does that not severely impair your premium the next time you take a policy and answer the ‘have you made a claim?’ Question?

No, the only thing that affects my premium is growing older.

After making a 5500 Euro claim in 2022 my 2023 premium with the same insurance company for the same policy went up about $10.

 

[Brian E]

I usually just buy travel insurance when I purchase my flight. I literally was just looking at Air France flights yesterday from Denver (Denver to Biarritz for $870) and almost pulled the trigger for a one way in April to SJPD but going to roll the dice and hope the cost goes lower in the next month or so. Travel insurance was around $100 depending on slight coverage differences as an add-on on one of the last screen prompts as I went to buy the tickets (through ALLIANZ). So, I am assuming Air France and Allianz have an agreement or something.

 

[trecile]

I usually just buy travel insurance when I purchase my flight. I literally was just looking at Air France flights yesterday from Denver (Denver to Biarritz for $870) and almost pulled the trigger for a one way in April to SJPD but going to roll the dice and hope the cost goes lower in the next month or so. Travel insurance was around $100 depending on slight coverage differences as an add-on on one of the last screen prompts as I went to buy the tickets (through ALLIANZ). So, I am assuming Air France and Allianz have an agreement or something.

Personally, I prefer to purchase my travel insurance independently from my flight. I like the Squaremouth.com site because it has filters so that I can purchase insurance that fits my needs.

 

[CWBuff]

Does that not severely impair your premium the next time you take a policy and answer the ‘have you made a claim?

Nope because there is no such question.
As @trecile said the only thing they care about is the amount to be insured and one's age.

 

[TravellingMan22]

I’m in the UK and - for years - have subscribed to a reputable annual travel insurance policy; which I regard as ‘catastrophe’ insurance as - in Europe I’d either benefit from the reciprocal agreements with the UK, or in extremis use the insurance.

It may be a US thing, but I see posters (above) claiming for <$200. Does that not severely impair your premium the next time you take a policy and answer the ‘have you made a claim?’ Question?

Perhaps the US system of securing your own health insurance normalises the process more than it does in Europe where there is generally access to good public healthcare, albeit paid for through general taxation.

I didn’t think that a previous claim made any difference to your travel insurance premiums for UK residents either. I renewed my yearly policy as recently as yesterday, and have never been asked about previous claims. It’s just age and then the medical screening.

 

[Atlas Traveler]

Who would you suggest?

I purchase my policies from Insurance For Trips. Their website is InsuranceForTrips.com and I speak with Rachel or Adam.. I wish you safe travels and a Merry Christmas!!

 

[Doctor]

I think doing a camino without medical insurance is foolish, especially for seniors. But at any age things can go wrong, If you trip on a rock and hit your head, have a heart attack, break a hip, have a stroke etc, the bill could be very substantial. Instances are reported yearly. As seniors, it does cost a bit more but there are policies that will cover you, for a couple of hundred dollars. If you think you can’t afford the insurance, then you will be in much more distress if you get seriously injured without it in Europe. Don’t fly out without it!

Agree but once you are over 65 most companies don’t offer travel / medical/ accident insurance…I have tried several companies and as soon as they heard I was 66 and walking the Camino it was a flat NO …any suggestions? I am based in Hong Kong.

 

[Marbe2]

No

Agree but once you are over 65 most companies don’t offer travel / medical/ accident insurance…I have tried several companies and as soon as they heard I was 66 and walking the Camino it was a flat NO …any suggestions? I am based in Hong Kong.

If you come from Hong Kong (?), then you would need to discuss activity limitations with companies based there.I do not mention that I am walking a Camino when I take out insurance, as the activity is walking, and walking in the plans I have used have not been considered a high risk sport.

 

[TravellingMan22]

Agree but once you are over 65 most companies don’t offer travel / medical/ accident insurance…I have tried several companies and as soon as they heard I was 66 and walking the Camino it was a flat NO …any suggestions? I am based in Hong Kong.

I would check AIG as a starter as I know they are huge in HKG, if you haven’t already. I would be surprised if they didn’t offer policies to the over 65s, although that will depend on medical history. Premiums for hiking are often dependent on altitude and Caminos don’t really meet the high altitude risk but the HKG brokers may have a different view!! Probably worth being clear around the altitudes on the Camino, and its hotel based, etc. and an outline of what it is (i.e. a walk through rural Spain, not Kilimanjaro or Everest Base Camp).

Companies generally tend to get interested in altitude at around 2500-3000 mts.

 

[trecile]

Agree but once you are over 65 most companies don’t offer travel / medical/ accident insurance…I have tried several companies and as soon as they heard I was 66 and walking the Camino it was a flat NO …any suggestions? I am based in Hong Kong.

Since this thread is about travel insurance for those who live in the US I advise you to start a new thread for your situation.