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The insurance offered when you purchase your ticket may only be trip cancellation insurance. If your are looking for medical coverage- purchase separately. We use GEO Blue Global to supplement our health insurance. Medicare does not pay for services internationally. Check with your current health insurance as well. We have a Blue Cross/Blue Shield that does cover us when we travel, but purchase the supplement to cover what Medicare does not. There are many threads on the Forum that discuss various companies. Ultreia!I will be traveling from the US to Madrid in Sept.
Kiwi, ditto.Answer might depend on your nationality and country of residence. I'm a Brit and I always buy a standalone annual travel insurance policy - mostly for the medical cover.
I am Irish, an EU citizen with an EHIC card, so while in Spain I am entitled to free treatment - should I need it - in Spain's excellent health service.Kiwi, ditto.
That is one of my concerns. I believe that travel insurance is much cheaper for we Brits and probably the Irish too than for most people from the USA and Canada in any case. Even with a couple of pre-existing medical conditions my annual policy was £35 for any number of trips provided the maximum duration of stay for each is under 31 days. In previous years I have paid a little more for a longer duration limit but that will not be an issue for me this year - too many other things going on.But I still take out travel insurance, not least for its repatriation cover.
Yes I was a little hasty in my first post - when travelling out of NZ I've always taken travel insurance for longer periods (if I just travel for a couple of weeks I always purchase my flights with my MasterCard, which gives me 30 day free travel insurance).I am Irish, an EU citizen with an EHIC card, so while in Spain I am entitled to free treatment - should I need it - in Spain's excellent health service.
But I still take out travel insurance, not least for its repatriation cover.
I find it just as important to check the conditions and exclusions on insurance provided by credit card companies as any other travel insurance product. Some don't offer the option of having some of my medical conditions covered, others do so at extra cost where they do have the flexibility. My experience is that insurance provided by my credit card providers is least flexible, and often cannot be changed. Anytime I have looked at the products provided by the airlines I have been flying with they were remarkably poor value for money.Yes I was a little hasty in my first post - when travelling out of NZ I've always taken travel insurance for longer periods (if I just travel for a couple of weeks I always purchase my flights with my MasterCard, which gives me 30 day free travel insurance).
I agree completely, you certainly need to read the T&C's. Mine, for short trips, is adequate.I find it just as important to check the conditions and exclusions on insurance provided by credit card companies as any other travel insurance product. Some don't offer the option of having some of my medical conditions covered, others do so at extra cost where they do have the flexibility. My experience is that insurance provided by my credit card providers is least flexible, and often cannot be changed. Anytime I have looked at the products provided by the airlines I have been flying with they were remarkably poor value for money.
droll!! It's alway amusing to see what delusions our eastern neighbours suffer from!(Across the ditch to the Western isles for example).
Question from an inexperienced overseas traveler: Do you purchase travel insurance along with your airline ticket purchase when it is offered or do you purchase it separately? I only need the coverage for my Camino trip.
Thanks!
Yes I have seen that stipulation in some UK policies. Around about 2500m if I remember rightly, but will vary.Always check the small print. I once had 2 policies due to being complimentary to other products. As I was going to the Dolomites I read them in detail and found that one of them would not cover the altitude I was intending to walk at. Indeed as soon as I stepped out of the hotel it was above the altitude covered. Beware and check!
Having done something very similar I feel for you. Good luck and hope you get well soonGreat idea to obtain travel insurance - I highly recommend it! I'm currently on a walking tour in the Cotswolds, England, and had a bad fall yesterday and am unable to walk unassisted. I'll need to cut my trip short and will need wheelchair assistance getting to and through the airport. Luckily purchased insurance at the last minute and hoping these expenses will be covered. It is expensive - but peace of mind is worth it - as is if you need it!
It doesn't have to be expensive. You have to decide what you want insurance to cover and what you don't mind "self insuring." I buy my flights using points, so I don't pay to cover my "prepaid" costs of flights, hotels, etc. I mainly want the medical, repatriation, and trip interruption insurance. When you set the trip cost to $0 the insurance is much less expensive.It is expensive
I highly recommend using Squaremouth to find your best option. Yes, it will cost more in the US, but don't underinsure or go without. Without our travel policy, we would have been out $12,000+ for medical and related costs in Switzerland back in 2019.I use SquareMouth.com to compare and purchase travel insurance policies. I don't buy the insurance offered by the airline. It's important to read the policy and understand what you are buying.
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The policy that I bought for my Portuguese Camino in 2022 cost $105, and paid out over €6000 when I broke my wrist and needed two surgeries in Portugal.I highly recommend using Squaremouth to find your best option. Yes, it will cost more in the US, but don't underinsure or go without. Without our travel policy, we would have been out $12,000+ for medical and related costs in Switzerland back in 2019.
Last year, I paid around AUS $350 for 10 weeks travel/medical insurance for travel to several countries including the Camino last year (from Australia).That is one of my concerns. I believe that travel insurance is much cheaper for we Brits and probably the Irish too than for most people from the USA and Canada in any case. Even with a couple of pre-existing medical conditions my annual policy was £35 for any number of trips provided the maximum duration of stay for each is under 31 days. In previous years I have paid a little more for a longer duration limit but that will not be an issue for me this year - too many other things going on.
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