- Time of past OR future Camino
- C. Frances 2023, C. Norte 2024
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Completely agree with you, I was noting interesting point of differentiation. The medical and repatriation coverage across several plans is almost identical, individuals need only decide on dollar limits. Experiences with the companies will be key factor all else being almost near equal.Hmm. I’d be more interested in what cover they provide in a medical or family emergency and on repatriation of remains. I’d be inclined to rely on my local national consulate to sort out a lost passport and anyone stealing my identity is likely to find themselves in some embarrassing situations without care
How serious were your health issues that Kaiser covered?Before you go spending money on travel insurance, you might do well to check what coverage you have already. Your health insurance plan, for example, might very well cover you for any medical expenses you incur abroad. (My Kaiser plan does, and I've made good use of that on several occasions). Also, your credit card may provide some coverage. For example, my Chase United Explorer Card will reimburse me if I (or my travel companion, like my wife) get sick and have to cancel a plane reservation. I've taken advantage of that, too. And my homeowner coverage also provides for such things as coverage against identity theft.
Granted a plan offered through Allianz as some other company might provide some additional coverage, but you'll have to weigh whether an expense of several hundred dollars is really worth it to cover some situations that are extremely unlikely to occur.
So -- my advice is check the coverage you already have, and then make a decision as to whether you really need more.
The policy covers "urgent care", which is defined to mean everything other than a routtine check-up. For us, it's covered everything from treatment for blisters, to treatment and medication for bronchitis, and for two ambulance rides and treatment in a hospital emergency room after I passed out in a restaurant.How serious were your health issues that Kaiser covered?
I just read thru their “summer bulletin” I elected to get travel insurance with primary coverage-
But I’m definitely interested in what your Kaiser experience has been— def good to keep in mind… this was my first trip I got travel insurance for…I’m on a private tour prior to starting my camino -which required me to purchase travel insurance-a d to just included my Camino easily
Interesting— Kaisers Summer bulletin.. was giving an international 800# and a Partner that is involved… their general coverage would be for everyone-the only difference is the deductible..The policy covers "urgent care", which is defined to mean everything other than a routtine check-up. For us, it's covered everything from treatment for blisters, to treatment and medication for bronchitis, and for two ambulance rides and treatment in a hospital emergency room after I passed out in a restaurant.
Coverage depends on your particular policy. There was, though, a $10 deductible I had to pay out-of-pocket.
I purchased AXA for our upcoming Camino this September. I did some research b4 I purchased and found very good reviews for them. They were actually one of the highest rated travel insurance companies that I found. They also are primary, which means you do not have to submit to your own insurance first. Of course, I haven’t traveled yet, therefore, no claims. Unfortunately, we have to wait until you have a claim to know 100% how good they are!Currently reviewing travel insurance options and have noted feedback regarding Allianz in particular, as they are one of the companies. Curious if anyone has had experience with AXA? Impressed to see that they provide assistance to replace lost identity documents as well as assistance in the event of identity theft.
As I said upthread, I did have a claim with them last year, and they reimbursed me 100%. I did have to wait a few months, but I did receive it all.Unfortunately, we have to wait until you have a claim to know 100% how good they are!
I bought one from Allianz this time, annual type, but no claim needed so far.Currently reviewing travel insurance options and have noted feedback regarding Allianz in particular, as they are one of the companies. Curious if anyone has had experience with AXA? Impressed to see that they provide assistance to replace lost identity documents as well as assistance in the event of identity theft.
allianz is horrible. i had a legit medical claim and wasted many hours on the phone being given the run around by them- it took over 6 months to be resolved. incompetent. highly recommend not to use!Currently reviewing travel insurance options and have noted feedback regarding Allianz in particular, as they are one of the companies. Curious if anyone has had experience with AXA? Impressed to see that they provide assistance to replace lost identity documents as well as assistance in the event of identity theft.
For US travelers on Medicare, the Medigap plans cover some medical expenses while traveling (80% for emergencies, max $50,000, 60 day max). From https://www.aarp.org/health/medicare-qa-tool/does-medicare-cover-me-outside-the-us/
These Medigap plans cover foreign travel emergency care that begins in the first 60 days of your trip. They pay 80 percent of the billed charges for certain medically necessary emergency care outside the United States, but first you pay a $250 deductible for the year. The Medigap foreign travel emergency coverage has a lifetime limit of $50,000.
My point on my earlier post was simply that one should check the coverage they already have before spending lots of money for extra insurance they might not need. Our particular plan -- Kaiser's Senior Advantage Plan -- covers us for all medical expenses incurred abroad (except for routine check-ups. There's a $10 deductible. Other health insurance plans, such as so-called medigap plans, and even other plans offered by Kaiser, or other insurers, whether for seniors or non-seniors, may offer different, or even no coverage. So check your plan!Interesting— Kaisers Summer bulletin.. was giving an international 800# and a Partner that is involved… their general coverage would be for everyone-the only difference is the deductible..
you said it covered Blister treatments— you guys went to the hospital for blister treatments? It sounds like you guys had an adventure… Bronchitis, two ambulance rides and passing out-was it the heat that caused it? Ohh my… hopefully you guys are home now-and you have no residual lingering effects
Agreed… Primary Medical was crucial for me. I wasn’t interested in “trying to get reimbursed after I’ve left Country”-I purchased AXA for our upcoming Camino this September. I did some research b4 I purchased and found very good reviews for them. They were actually one of the highest rated travel insurance companies that I found. They also are primary, which means you do not have to submit to your own insurance first. Of course, I haven’t traveled yet, therefore, no claims. Unfortunately, we have to wait until you have a claim to know 100% how good they are!
I’m still “of Working age…”- I think Senior Advantage has limited options -based on the way it’s set up… which prob means I’d be ok…My point on my earlier post was simply that one should check the coverage they already have before spending lots of money for extra insurance they might not need. Our particular plan -- Kaiser's Senior Advantage Plan -- covers us for all medical expenses incurred abroad (except for routine check-ups. There's a $10 deductible. Other health insurance plans, such as so-called medigap plans, and even other plans offered by Kaiser (or other insurers) may offer different, or even no coverage. So check your plan!
And no, we did not go to the hospital for blisters. My wife went to a local clinic to have her foot bandaged up, and Kaiser paid us back the modest expense incurred. Ditto when I went to a local clinic because I had bronchitis. But I did go to the hospital when I suddenly passed out. I was just trying to give an example of the range of coverage -- from the sublime to the ridiculous, as it ere.
And we've also made use of the coverage provided by our credit cards when we had to cancel plane and hotel reservations because of an injury incurred abroad.
Again, different people will have different -- or no -- coverage, but it doesn't hurt to check before you incur (possibly) needless extra expense.
Yes, that was me. I broke my wrist in Portugal and had two surgeries there.I know one of the Moderators here had a broken wrist I think-and applauded AXA for their service.
Travel medical insurance, even when it's primary normally does not directly pay the provider. You need to pay up front, and send the bills in for reimbursement. That's how it worked for me, and AXA reimbursed me 100%.Primary Medical was crucial for me. I wasn’t interested in “trying to get reimbursed after I’ve left Country”-
Maybe it depends on the country you live in. Last year I bought insurance from AXA for a two month trip.I see everyone suggesting AXA, all I can find is trips no longer than 45 days; mine will be in total around 90 days, so...AXA is out of question apparently, unless someone has a way around
Hi Trecile!! If I remember correctly, were you the one that said that you only showed your policy print when getting into the hospital, and didn't pay anything? I just wanna check once againMaybe it depends on the country you live in. Last year I bought insurance from AXA for a two month trip.
@lt56ny lives in Mexico, and if I recall, he buys insurance from Mapfre.
No, the Portuguese and Spanish hospitals/doctors doesn't get involved with US based travel insurance. I had to pay up front (put it on my credit card and earned points!), then submitted to my travel insurance and was reimbursed. But it may of been the case for @lt56ny with his Mapfre insurance.Hi Trecile!! If I remember correctly, were you the one that said that you only showed your policy print when getting into the hospital, and didn't pay anything?
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