DansDeals.com Forums

DansDeals Forum => Up In The Air => Topic started by: ask on June 27, 2008, 02:56:44 PM

Title: travel insurance
Post by: ask on June 27, 2008, 02:56:44 PM
what is the best way to get travel medical insurance (for the best price?)
Title: Re: travel insurance
Post by: ChikkyMonkey on June 27, 2008, 10:31:48 PM
I strongly recommend World Nomads - http://www.worldnomads.com/

They are cheap, easy to use, simple to extend and cover you for bungee and the like....
Title: Re: travel insurance
Post by: Avid Reader on June 28, 2008, 10:36:34 PM
For Israel the best insurance I found is MediGuard http://www.mediguardtravel.com/ . They will pay for medical stuff on the spot as opposed to you paying yourself and submitting a claim to get reimbursed.
Title: Re: travel insurance
Post by: aaa on June 29, 2008, 11:59:03 PM
Does anyone know a good baggage insurance? I often have stuff that is pretty expensive in my luggage, and I am always scared about it getting lost and being handed a few hundred measly bucks.
Title: Re: travel insurance
Post by: Sawadeeka on August 19, 2008, 01:42:41 PM
Just found the best site for travel insurance, it compares 10's of different policies and you choose what is best for you:
http://www.insuremytrip.com/

Title: Re: travel insurance
Post by: stevenk on August 19, 2008, 02:43:35 PM
If you have an Amex card you can sign up no charge to enroll and every ticket you buy its $10 for insurance. They pay out quickly
https://www152.americanexpress.com/fsea/travel/baggage/product.do?us_nu=leftnav
Title: Re: travel insurance
Post by: Sawadeeka on August 19, 2008, 03:19:07 PM
That's not bad but it's for luggage only. I was looking for emergency health which includes a bunch of other benefits (luggage, delays, medical evac. etc..)
Title: Re: travel insurance
Post by: Muscatini on August 20, 2008, 10:41:39 PM
amex has the best luggage insurance, for delayed luggage and flight delays too,
Title: Re: travel insurance
Post by: kivabb on February 08, 2012, 04:28:14 PM
Didn't know if I should start a new post. Flying FC from Seattle to New York on mileage and need to bring $10K worth of Elecronics back with me. Like 125 pounds worth so it would cost me a pretty penny to ship UPS insured from coast to coast. Besides the shlep of finding some UPS store, packing it...since I'm just flying in for the day. Contacted https://www295.americanexpress.com/travel-insurance/home.do#99 and they said they have Platinum plan that would cover me on mileage ticket up to $2500. Would just bring 3 suitcases and stick them in there and have the convenience of bringing home with me, but short on coverage.

What would you do? Ship UPS insured? Buy more travel insurance? Any recommendations would be appreciated.
Title: Re: travel insurance
Post by: ZCN on December 16, 2012, 04:00:19 PM
Does anyone know of a good policy that covers a woman who is pregnant?
Title: Re: Re: travel insurance
Post by: sky121 on December 16, 2012, 04:26:48 PM
Does anyone know of a good policy that covers a woman who is pregnant?

Don't know of any offhand. If there is such a thing I imagine it would be pricey. But I commend you for being responsible about it. Let us know if you find anything.
Title: Re: travel insurance
Post by: Red on December 16, 2012, 04:31:54 PM
Does anyone know of a good policy that covers a woman who is pregnant?
I used this company from Denmark, when travelling from Israel to the US. http://global.ihi.com/
Title: Re: travel insurance
Post by: moko on December 16, 2012, 04:42:02 PM
Does anyone know of a good policy that covers a woman who is pregnant?
I checked basically every company that i could find and the only one that seemed to be wiling to talk to me was IHI Bupa (http://www.ihi.com/). I got them through Egert & Cohen Insurance (http://www.egertcohen.co.il/). I dealt with Chani Ackerman ext. 108, but it was a reimbursement plan which stinks bec. u have no way of knowing if they'll actually cover
Title: Re: travel insurance
Post by: Red on December 16, 2012, 04:49:01 PM
I checked basically every company that i could find and the only one that seemed to be wiling to talk to me was IHI Bupa (http://www.ihi.com/). I got them through Egert & Cohen Insurance (http://www.egertcohen.co.il/). I dealt with Chani Ackerman ext. 108, but it was a reimbursement plan which stinks bec. u have no way of knowing if they'll actually cover
I put in 3-4 claims my last time using them and everything went really smoothly.
Title: Re: travel insurance
Post by: moko on December 16, 2012, 04:51:52 PM
using egert or the ihi?
Title: Re: travel insurance
Post by: Red on December 16, 2012, 05:13:43 PM
using egert or the ihi?
I got the policy through egert but they told me to first try contacting ihi on my own and see how it goes. There was no need for me to call egert back as ihi was a pleasure to deal with.
Title: Re: travel insurance
Post by: PlatinumGuy on December 16, 2012, 05:21:00 PM
If someone needs an (American living in Israel) agent for IHI please pm me.
Title: Re: travel insurance
Post by: ZCN on December 16, 2012, 06:12:44 PM
I put in 3-4 claims my last time using them and everything went really smoothly.


Wow that's great info, I had heard of them but didn't know what their customer service is like.


I came across several reasonably priced polices that cover complications of pregnancy but not actual birth while traveling. I'm still trying to figure out if that is what I should be looking for.


Also trying to figure out if AMEX travel insurance is what I need. When I last spoke to them I was told that they cover pregnancy but not complications of pregnancy. Anyone have any idea what a policy for pregnancy should cover?

Title: Re: travel insurance
Post by: Galitzyaner on December 16, 2012, 08:31:43 PM
Wow that's great info, I had heard of them but didn't know what their customer service is like.
I have some contacts there, the customer service at Egert is great.
Title: Re: travel insurance
Post by: Red on December 17, 2012, 06:29:43 AM

Wow that's great info, I had heard of them but didn't know what their customer service is like.


I came across several reasonably priced polices that cover complications of pregnancy but not actual birth while traveling. I'm still trying to figure out if that is what I should be looking for.


Also trying to figure out if AMEX travel insurance is what I need. When I last spoke to them I was told that they cover pregnancy but not complications of pregnancy. Anyone have any idea what a policy for pregnancy should cover?
Ihi doesn't cover birth either, they only cover up to the 9th month.
Title: Re: travel insurance
Post by: smart brit on July 14, 2013, 11:00:32 PM
Looking for help with Travel Insurance.
As i'm travelling on 2 different tickets, different airlines, different alliance.
And although i have a 2hr stopover i'm concerned if there is any delays and i won't be able to catch the next flight.
Is there any insurance that would cover me if i need to buy a new ticket?
Any help appreciated
Title: Re: travel insurance
Post by: Mordy788 on July 15, 2013, 09:23:41 AM
Looking for help with Travel Insurance.
As i'm travelling on 2 different tickets, different airlines, different alliance.
And although i have a 2hr stopover i'm concerned if there is any delays and i won't be able to catch the next flight.
Is there any insurance that would cover me if i need to buy a new ticket?
Any help appreciated

Yes you do have options.
Title: travellers insurance question
Post by: Neil on November 19, 2013, 02:01:11 PM
My wife is expecting in mid-January and we wanted to get away for a weekend before the baby.. I have a trip to Orlando (from NY) planned for about 5 weeks before her due date, But somebody pointed out that being that I am on Medicaid (Family Health Plus), the only out-of state medical coverage I receive is emergency room service, in which case I would have to shell out like 25k if she gives birth 5 weeks early.. Does anybody know if I can purchase some kind of travellers insurance that would cover those costs just in case she gives birth there? Or should I just cancel my trip and not risk it..
Thanks!!
Title: Re: travellers insurance question
Post by: nis965 on November 19, 2013, 06:13:07 PM
You have to buy a policy that has a pre existing condition waiver. Many of them have to be purchased within a certain time frame of purchasing your trip. Additionally you need to be sure that pregnancy is not excluded even if you purchase that waiver.
Title: Re: travellers insurance question
Post by: Neil on November 19, 2013, 11:21:24 PM
You have to buy a policy that has a pre existing condition waiver. Many of them have to be purchased within a certain time frame of purchasing your trip. Additionally you need to be sure that pregnancy is not excluded even if you purchase that waiver.
Thanks! I researched online and it seems that it makes sense to cancel the existing reservation.. I found some availability for this coming weekend so were gonna do that..
Title: Re: travellers insurance question
Post by: satturn on November 20, 2013, 02:19:43 PM
I got insurance, and filed a claim for my wife in her 9th month traveling. It was $4 a day and a one time $50 start up fee... I got it from an agent here in Israel. The provider was a Dutch company. My wife was hospitalized due to an allergic reaction on the trip, it was fully covered.
Title: Re: travellers insurance question
Post by: Neil on November 20, 2013, 02:32:00 PM
I got insurance, and filed a claim for my wife in her 9th month traveling. It was $4 a day and a one time $50 start up fee... I got it from an agent here in Israel. The provider was a Dutch company. My wife was hospitalized due to an allergic reaction on the trip, it was fully covered.
Wow. Good to know- its too late now but thanks anyway
Title: Re: travel insurance
Post by: Joe4007 on May 21, 2014, 11:25:12 PM
I'm looking for travel insurance that would cover trip cancelation due to civil unrest. Is anyone here familiar with this? From some research it seems like there are a few insurers/policies that include it, but it's not clear what they would consider civil unrest.

Any help would be greatly appreciated.
Title: Re: travel insurance
Post by: srap on May 22, 2014, 12:03:59 AM
I'm looking for travel insurance that would cover trip cancelation due to civil unrest. Is anyone here familiar with this? From some research it seems like there are a few insurers/policies that include it, but it's not clear what they would consider civil unrest.

Any help would be greatly appreciated.
Just curious what country.
Title: Re: travel insurance
Post by: Joe4007 on May 22, 2014, 12:45:09 AM
Just curious what country.
Ukraine. אומן ראש השנה :)
Title: Re: travel insurance
Post by: Joe4007 on May 25, 2014, 07:14:41 PM
I'm looking for travel insurance that would cover trip cancelation due to civil unrest. Is anyone here familiar with this? From some research it seems like there are a few insurers/policies that include it, but it's not clear what they would consider civil unrest.

Any help would be greatly appreciated.
Bump. TIA.
Title: Re: travel insurance
Post by: Mordy788 on May 25, 2014, 08:32:12 PM
Ukraine. אומן ראש השנה :)

I use only Travel Guard for my customers. Coverage varies based on what state you are in. I am not a licensed insurance agent so I could not answer the specifics of what the plans cover.

I recommend you call Travel Guard at 800-826-4919 and aske to speak to an agent that is licensed for where you are a resident of. They can give you specific answers.
Title: Re: travel insurance
Post by: satturn on May 26, 2014, 04:53:25 AM
I put in 3-4 claims my last time using them and everything went really smoothly.
+1
Title: Re: travel insurance
Post by: Drago on June 05, 2014, 03:46:45 AM
http://www.neverendingvoyage.com/travel-insurance-already-travelling-digital-nomads/
Title: Re: travel insurance
Post by: etech0 on July 17, 2014, 01:24:56 PM
My Travel Insurance company is calling the situation in Israel "Civil Unrest" (as opposed to terrorism which would be a covered reason for cancellation). Any ammunition I can use to help convince them?
Title: Re: travel insurance
Post by: hocker on July 17, 2014, 01:52:14 PM
My Travel Insurance company is calling the situation in Israel "Civil Unrest" (as opposed to terrorism which would be a covered reason for cancellation). Any ammunition I can use to help convince them?
Civil unrest is within 1 country itself. This is either war or terrorism definitely not civil unrest.
Title: Re: travel insurance
Post by: etech0 on July 17, 2014, 01:56:29 PM
Civil unrest is within 1 country itself. This is either war or terrorism definitely not civil unrest.
I hear... so Gaza is a different country?
Title: Re: travel insurance
Post by: hocker on July 17, 2014, 02:05:12 PM
I hear... so Gaza is a different country?
It should be. It's under a different gov
Title: Re: travel insurance
Post by: etech0 on July 17, 2014, 02:23:12 PM
It should be. It's under a different gov
Sounds good :)
Title: Re: travel insurance
Post by: lubaby on July 17, 2014, 02:29:21 PM
My Travel Insurance company is calling the situation in Israel "Civil Unrest" (as opposed to terrorism which would be a covered reason for cancellation). Any ammunition I can use to help convince them?
Try Hamas  :P
Title: Re: travel insurance
Post by: Myccrabbi on July 17, 2014, 02:32:07 PM
Try Hamas  :P
Or hummus
Title: Re: travel insurance
Post by: etech0 on July 17, 2014, 02:40:10 PM
Try Hamas  :P
We did :(
Title: Re: travel insurance
Post by: milechazzer on July 20, 2014, 12:06:36 PM
Does anyone have any recommendations for a travel insurance policy (or a good site to compare policies) for seniors (over 80) that will cover medical, luggage, delays, cancellations for medical reasons, etc. for a trip which includes flights to Europe and a 1-week cruise?

thx
Title: Re: travel insurance
Post by: Emkay on July 31, 2014, 09:11:12 AM
any current recommendations for travel health insurance for Thailand?
Title: Re: travel insurance
Post by: asaltzm on January 12, 2015, 05:55:07 PM
I am looking for a travel insurance that will cover a trip cancellation for any reason. I am hoping to travel from usa to isreal.
Title: Re: travel insurance
Post by: etech0 on January 12, 2015, 06:09:45 PM
I am looking for a travel insurance that will cover a trip cancellation for any reason. I am hoping to travel from usa to isreal.
Most (if not all) Cancel for Any Reason plans only give back a percentage of your trip cost, if it's not a covered reason.
EG: Allianz gives 80%, MH Ross and TravelSafe give 75%.
Title: Re: travel insurance
Post by: asaltzm on January 12, 2015, 06:28:29 PM
Most (if not all) Cancel for Any Reason plans only give back a percentage of your trip cost, if it's not a covered reason.
EG: Allianz gives 80%, MH Ross and TravelSafe give 75%.

is there any one that you would recommend?
Title: Re: travel insurance
Post by: etech0 on January 12, 2015, 06:45:00 PM
is there any one that you would recommend?
If you are specifically looking for the Cancel for Any Reason benefit, I'd go with Allianz because it gives the extra 5% back. You may need to call to get the Cancel for Any Reason.

Otherwise MH Ross and TravelSafe are basically the same (they are underwritten by the same company, so the coverage is the same). I'd plug in your dates and info, and pick the cheaper one.  Bear in mind that they will only allow you to purchase Cancel For Any Reason within 15 days of purchasing your ticket.

There are other companies out there, but these are the ones I have experience with.
Title: Re: travel insurance
Post by: yakov116 on January 13, 2015, 12:02:13 AM
If you are specifically looking for the Cancel for Any Reason benefit, I'd go with Allianz because it gives the extra 5% back. You may need to call to get the Cancel for Any Reason.

Otherwise MH Ross and TravelSafe are basically the same (they are underwritten by the same company, so the coverage is the same). I'd plug in your dates and info, and pick the cheaper one.  Bear in mind that they will only allow you to purchase Cancel For Any Reason within 15 days of purchasing your ticket.

There are other companies out there, but these are the ones I have experience with.
TravelX Allows up to 2 days before to purchase cancel for any reason

Title: Re: travel insurance
Post by: etech0 on January 13, 2015, 09:55:35 AM
TravelX Allows up to 2 days before to purchase cancel for any reason
Good to know!
Title: Re: travel insurance
Post by: yakov116 on January 13, 2015, 08:13:11 PM
Good to know!
It's even better to know that I can do it for you and make a percentage!
Title: Re: travel insurance
Post by: etech0 on January 13, 2015, 08:19:11 PM
It's even better to know that I can do it for you and make a percentage!
I can do the same, with a couple other companies :)
Title: Re: travel insurance
Post by: yakov116 on January 13, 2015, 09:04:29 PM
I can do the same, with a couple other companies :)
Same here
Title: Re: travel insurance
Post by: KidOOO on January 22, 2015, 11:37:50 PM
Does anyone know if there is a policy that will cover cancellation due to immigration problem? This will be award travel to israel ,

e.g. Visa to country may be denied, or Green card will expire in a few weeks and may not be approved for extension in time for travel
Title: Re: travel insurance
Post by: Let3 on January 23, 2015, 09:51:56 AM
I know it unlikely-
But anyone know of a travel insurance that will cover a pregnant women up to week 37 (or 36.5- not 36)??

Tia
Title: Re: travel insurance
Post by: yakov116 on January 23, 2015, 12:32:53 PM
I know it unlikely-
But anyone know of a travel insurance that will cover a pregnant women up to week 37 (or 36.5- not 36)??

Tia
No Pregnancy is NEVER covered because you knew beforehand. Only Medical that happened suddenly is covered.
Title: Re: travel insurance
Post by: KidOOO on January 23, 2015, 01:22:58 PM
No Pregnancy is NEVER covered because you knew beforehand. Only Medical that happened suddenly is covered.

-1

Pre Existing condition can be covered with some companies for extra $$
Title: Re: travel insurance
Post by: yakov116 on January 23, 2015, 02:59:20 PM
-1

Pre Existing condition can be covered with some companies for extra $$
-1 Excluding pregnancy.
The pre existing conditions are for meds and stuff like that
Title: Re: travel insurance
Post by: Let3 on January 24, 2015, 01:19:34 PM
No Pregnancy is NEVER covered because you knew beforehand. Only Medical that happened suddenly is covered.
-1
I just read brochures   and spoke to many companies that do cover pregnant women until week 36,
I've even used some in the past..
I just need one now for after 36 weeks...
Title: Re: travel insurance
Post by: yakov116 on January 24, 2015, 08:09:29 PM
-1
I just read brochures   and spoke to many companies that do cover pregnant women until week 36,
I've even used some in the past..
I just need one now for after 36 weeks...
Please tell me which companys do I would like to know

Title: Re: travel insurance
Post by: etech0 on January 24, 2015, 08:33:17 PM
I've heard of insurance companies only covering pregnancy if you buy the insurance before the pregnancy begins. Ridiculous.
Title: Re: travel insurance
Post by: cw on January 24, 2015, 11:35:11 PM
I personally have gotten insurance until 36 week in pregnancy.  And you can buy the policy while  pregnant.  There are a fee companies out there who I've spoken to that could very.  Global tours works through an insurance policy that covers
Title: Re: travel insurance
Post by: yakov116 on January 24, 2015, 11:35:13 PM
I've heard of insurance companies only covering pregnancy if you buy the insurance before the pregnancy begins. Ridiculous.
This is exactly what I am asking him. Which insurance covers once pregnancy began.
Title: Re: travel insurance
Post by: yakov116 on January 24, 2015, 11:35:49 PM
I personally have gotten insurance until 36 week in pregnancy.  And you can buy the policy while  pregnant.  There are a fee companies out there who I've spoken to that could very.  Global tours works through an insurance policy that covers
What's the name of the company?
Title: Re: travel insurance
Post by: Let3 on January 25, 2015, 01:06:21 AM
Please tell me which companys do I would like to know
I have gone through a few..
But just this week I spoke to a company called Danmark/ bupa - they cover till 36

In the past here in Israel i have gotten through harel till week 32 I think..
Title: Re: travel insurance
Post by: yakov116 on January 25, 2015, 01:40:41 AM
I have gone through a few..
But just this week I spoke to a company called Danmark/ bupa - they cover till 36

In the past here in Israel i have gotten through harel till week 32 I think..
Thanks I will look into it

Title: Re: travel insurance
Post by: Red on January 25, 2015, 05:48:22 AM
We've used Ihi Bupa a couple of times, covered up to week 36. Claim process was pretty simple
Title: Re: travel insurance
Post by: yakov116 on January 25, 2015, 07:49:30 AM
We've used Ihi Bupa a couple of times, covered up to week 36. Claim process was pretty simple
Did it include trip cancellation for pregnancy? 
Title: Re: travel insurance
Post by: Red on January 25, 2015, 09:44:26 AM
Did it include trip cancellation for pregnancy?
I just got medical, I don't know what else they offer.
Title: Re: travel insurance
Post by: yitzf on January 25, 2015, 09:55:38 AM
What's the name of the company?
I've used HCC Medical Insurance Services (travelers insurance) which covered until (thru?) the 26th week. Was actually quite inexpensive, $16 for 1 million dollars coverage for 3 days for 2 people.
Title: Re: travel insurance
Post by: etech0 on January 25, 2015, 11:48:44 AM
I've used HCC Medical Insurance Services (travelers insurance) which covered until (thru?) the 26th week. Was actually quite inexpensive, $16 for 1 million dollars coverage for 3 days for 2 people.
Did it include trip cancellation for pregnancy? 
Title: Re: travel insurance
Post by: yitzf on January 25, 2015, 01:24:39 PM

Not that I'm aware of.
It's medical coverage.
Title: Re: travel insurance
Post by: Let3 on January 25, 2015, 01:30:28 PM
I once had to cancel a flight due to pregnancy- the airline themselves reimbursed us (with a letter from the dr  that we can't fly...)
Title: Re: travel insurance
Post by: etech0 on January 25, 2015, 01:32:15 PM
I once had to cancel a flight due to pregnancy- the airline themselves reimbursed us (with a letter from the dr  that we can't fly...)
Can I ask which airline?
Title: Re: travel insurance
Post by: Mech on January 25, 2015, 01:33:04 PM

I once had to cancel a flight due to pregnancy- the airline themselves reimbursed us (with a letter from the dr  that we can't fly...)
Which airline? Did u have a dr's note?
Title: Re: travel insurance
Post by: Let3 on January 25, 2015, 02:48:52 PM
Alitalia
With a dr note
Title: Re: travel insurance
Post by: KidOOO on January 25, 2015, 10:37:02 PM
Can anyone recommend a good insurance for israel, with an option for cancel for any reason coverage?
Title: Re: travel insurance
Post by: yakov116 on January 26, 2015, 02:56:47 AM
Can anyone recommend a good insurance for israel, with an option for cancel for any reason coverage?
TravelEx
Title: Re: travel insurance
Post by: Menachem613 on January 26, 2015, 09:54:36 AM
How about bag insurance for non-direct international flights?
Title: Re: travel insurance
Post by: yakov116 on January 26, 2015, 04:07:42 PM
How about bag insurance for non-direct international flights?
Who cares if you make a stop?
Title: Re: travel insurance
Post by: Menachem613 on January 26, 2015, 05:55:40 PM

Who cares if you make a stop?

Some insurance providers.
Title: Re: travel insurance
Post by: yakov116 on January 26, 2015, 05:58:48 PM
Some insurance providers.
not that i deal with
Title: Re: travel insurance
Post by: Menachem613 on January 26, 2015, 09:57:50 PM

not that i deal with

And what do they cover?
Title: Re: travel insurance
Post by: yakov116 on January 26, 2015, 10:18:09 PM
And what do they cover?
You want to know something specific? Normally I recommend TravelEx Max.
If you PM me if you use that one as I make commission
Title: Re: travel insurance
Post by: Menachem613 on January 26, 2015, 10:25:43 PM

You want to know something specific? Normally I recommend TravelEx Max.
If you PM me if you use that one as I make commission

Correct me if I'm wrong, but they don't appear to cover baggage only.
Title: Re: travel insurance
Post by: yakov116 on January 26, 2015, 11:38:16 PM
Correct me if I'm wrong, but they don't appear to cover baggage only.
Correct why would you only want to cover baggage?
Title: Re: travel insurance
Post by: Menachem613 on January 27, 2015, 07:10:10 AM

Correct why would you only want to cover baggage?

Because that's my only concern. Flying Alitalia to TLV with a stop in Rome.
Title: Re: travel insurance
Post by: yakov116 on January 27, 2015, 08:46:21 AM
Because that's my only concern. Flying Alitalia to TLV with a stop in Rome.
I would still recommend taking insurance because it's hassle-free when it comes to every thing. Are you taking a car?
Title: Re: travel insurance
Post by: Menachem613 on January 27, 2015, 09:05:38 AM

I would still recommend taking insurance because it's hassle-free when it comes to every thing. Are you taking a car?

No, I am not.
Title: Re: travel insurance
Post by: yakov116 on January 27, 2015, 09:12:53 AM
No, I am not.
Ok
Are you taking that you are. Covered from your cc medical insurance?
Title: Re: travel insurance
Post by: KidOOO on January 27, 2015, 12:16:44 PM
TravelEx

Thanks but they want double the others for my trip

Does anyone have any experience with these providers?

https://www.globalalerttravel.com/
http://www.roamright.com/
Title: Re: travel insurance
Post by: yakov116 on January 27, 2015, 12:47:53 PM
Thanks but they want double the others for my trip

Does anyone have any experience with these providers?

https://www.globalalerttravel.com/
http://www.roamright.com/
In my opinion they are double as easy to claim from!
Title: Re: travel insurance
Post by: KidOOO on January 27, 2015, 12:48:33 PM
In my opinion they are double as easy to claim from!

I really need it mainly for the cancel for any reason, how hard could it be to prove there is any reason to cancel
Title: Re: travel insurance
Post by: yakov116 on January 27, 2015, 05:05:13 PM
I really need it mainly for the cancel for any reason, how hard could it be to prove there is any reason to cancel
Medical?
Title: Re: travel insurance
Post by: KidOOO on January 27, 2015, 05:05:57 PM
Medical?
I have medical through my regular insurance it covers overseas as well
Title: Re: travel insurance
Post by: yakov116 on January 27, 2015, 05:11:56 PM
I have medical through my regular insurance it covers overseas as well
My question was if you want to cancel for medical reasons
Title: Re: travel insurance
Post by: KidOOO on January 27, 2015, 05:22:15 PM
Medical?
I would only need need to prove a medical reason to get the extra 25% not covered for any reason

It will come out to the same amount that travelex wants extra so won't be gaining anything
Title: Re: travel insurance
Post by: Emkay on February 15, 2015, 11:42:35 AM
any recommendations for a cheap travel insurance that lets you cancel flights for any reason?
Title: Re: travel insurance
Post by: Menachemfrombp on February 15, 2015, 02:57:27 PM
what name should i put on the travel insurance for my wife, her passport and ticket have the maiden name, but her ss and reg id r already changed to married name??
Title: Re: travel insurance
Post by: yakov116 on February 15, 2015, 04:08:01 PM
any recommendations for a cheap travel insurance that lets you cancel flights for any reason?
Travel Ex they only give back 75%
Title: Re: travel insurance
Post by: KidOOO on February 15, 2015, 08:10:34 PM
any recommendations for a cheap travel insurance that lets you cancel flights for any reason?

Use https://www.squaremouth.com/ to compare pricing and coverage option

Travel Ex they only give back 75%

IME no one gives more than 75% back for cancel for any reason
Title: Re: travel insurance
Post by: DMYD on February 15, 2015, 08:12:33 PM
what name should i put on the travel insurance for my wife, her passport and ticket have the maiden name, but her ss and reg id r already changed to married name??
whichever name is on the Ticket.
Title: Re: travel insurance
Post by: etech0 on February 15, 2015, 08:19:32 PM
Use https://www.squaremouth.com/ to compare pricing and coverage option

IME no one gives more than 75% back for cancel for any reason
Allianz gives 80% afaik.
Title: Re: travel insurance
Post by: KidOOO on February 15, 2015, 08:22:05 PM
Allianz gives 80% afaik.
In any case it needs to be considered against the policy cost
Title: Re: travel insurance
Post by: etech0 on February 15, 2015, 08:25:19 PM
In any case it needs to be considered against the policy cost
True. Also, if your ticket is refundable and all you'd be losing is 25% (or 20%) of its cancellation fee, that's something else to be aware of.
Title: Re: travel insurance
Post by: Emkay on February 16, 2015, 02:38:24 AM
Travel Ex they only give back 75%
They also want to charge me 75% of my trip cost
Title: Re: travel insurance
Post by: KidOOO on February 18, 2015, 05:33:37 PM
They also want to charge me 75% of my trip cost
+1
Title: Re: travel insurance
Post by: chff on February 18, 2015, 07:21:09 PM
Why is Chase // Visa Benefit service giving me a hard time on my insurance request?
Title: Re: travel insurance
Post by: Yosef_S on February 25, 2015, 05:43:47 PM
What's the general thought on travel insurance - Always get? Never get? Only for certain countries/circumstances? I'm curious in what the board's thoughts are on this...
Title: Re: travel insurance
Post by: chff on February 25, 2015, 06:13:02 PM
What's the general thought on travel insurance - Always get? Never get? Only for certain countries/circumstances? I'm curious in what the board's thoughts are on this...
For the cost of travel insurance, I'll buy on all trips except domestic
Title: Re: travel insurance
Post by: Hershelsdeals on March 12, 2015, 07:11:42 PM
Is there a way for me to purchase flight cancelation insurance, when purchasing a Non refundable ticket?
Title: Re: travel insurance
Post by: chff on March 12, 2015, 07:26:23 PM
Is there a way for me to purchase flight cancelation insurance, when purchasing a Non refundable ticket?
Check by each travel insurance provider for which reason they allow to use which such insurance, and what rate they will ask for that
Title: Re: travel insurance
Post by: Shmulie on April 21, 2015, 12:13:37 PM
what are the differences between buying travel insurance and the ones visa signature cards comes with?
Title: Re: travel insurance
Post by: yakov116 on April 21, 2015, 12:57:02 PM
what are the differences between buying travel insurance and the ones visa signature cards comes with?
First you get better medical coverage. Also the credit card company's usually give you a run around when making a claim, the travel insurances dont.
Title: Re: travel insurance
Post by: etech0 on April 21, 2015, 01:50:18 PM
the travel insurances dont.
ummmmm
Title: Re: travel insurance
Post by: yakov116 on April 21, 2015, 07:13:59 PM
ummmmm
Ok at least the one I deal with
Title: Re: travel insurance
Post by: etech0 on April 21, 2015, 07:26:26 PM
Ok at least the one I deal with
IME depends on the situation, and how much they stand to lose.
Title: Re: travel insurance
Post by: yakov116 on April 21, 2015, 07:59:41 PM
IME depends on the situation, and how much they stand to lose.
Not with TravelEx
Title: Re: travel insurance
Post by: chff on April 21, 2015, 08:41:27 PM
First you get better medical coverage. Also the credit card company's usually give you a run around when making a claim, the travel insurances dont.
Travel Guard took about 6 weeks, Chase took 3-1/2 months
Title: Re: travel insurance
Post by: mlomni on April 24, 2015, 10:59:36 AM
I've been searching for a good affordable travel insurance for a trip to Israel this summer. There are so many recommendations. So my question is which one to choose for 1 adult & 3 children for six weeks to Israel?
Title: Re: travel insurance
Post by: yakov116 on April 24, 2015, 12:22:43 PM
I've been searching for a good affordable travel insurance for a trip to Israel this summer. There are so many recommendations. So my question is which one to choose for 1 adult & 3 children for six weeks to Israel?
Travel Guard
Title: Re: travel insurance
Post by: ponash123 on June 15, 2015, 06:29:21 PM
I have a Chase Ink Plus and an Amex Business Platinum. Which card is better for travel insurance. Trip cancellation, medical emergencies etc..
Thanks!
Title: Re: travel insurance
Post by: sruly101 on June 15, 2015, 06:33:02 PM
Is there travel insurance that covers cancellations for pregnant women?
Title: Re: travel insurance
Post by: moish on June 15, 2015, 07:44:58 PM
Is there travel insurance that covers cancellations for pregnant women?
bupa
Title: Urgent - need travel insurance for day of travel TODAY
Post by: Bbee on July 05, 2015, 04:30:33 PM
Anyone know how/if I can take out travel insurance? Traveling to Israel tonight at 11:59pm (Delta direct) for 3 weeks. The guy I called said that it has to be done the day before - anything I can still do about it?
Thanks
Title: Re: Urgent - need travel insurance for day of travel
Post by: moish on July 05, 2015, 04:31:27 PM
you can get one online from these guys

http://www.hccmis.com/atlas-travel-insurance-quote/
Title: Re: Urgent - need travel insurance for day of travel
Post by: Josef.koney on July 05, 2015, 04:31:32 PM
Anyone know how/if I can take out travel insurance? Traveling to Israel tonight at 11:59pm (Delta direct) for 3 weeks. The guy I called said that it has to be done the day before - anything I can still do about it?
Thanks
Do u have any cc that have travel benefits?
Title: Re: travel insurance
Post by: @Yehuda on July 19, 2015, 12:07:07 PM
Just bought Travel Insurance. Went with Travel Guard as most insurances I researched were really close in price and family has used TG before. Cost was $130 for the 2 of us.

Some things I learned about Insurance (at least with TG):
Quote was MUCH cheaper with a NY address than a NJ. (I have both, so I could have used either one.) NJ was about $235 for the 2 of us.
Quote was the same whether the destination was Israel or UK. (It said to use the country you'll be in for the longest.)
They have 2 plans, Gold and Plat. For the most part, there's no difference just that coverages are higher on the Plat. package. I went with Plat. bc it was only $40 total more than Gold, so I figured why cheap out and take a chance of regretting it later.
I did not opt for additional coverages like car rental, extra medical, or accidental death on plane. My domestic health insurance said they'll cover things abroad, the plan comes with medical also ($50K coverage), and the extra medical is just increased coverages.

Think that's everything I can share about it. Hopefully we won't need it, but be sure that if we do, I'll do my best to include it in the TR.
We lost something last summer valued at $130, coincidentally the exact price of our policy. For some reason, I never thought to file a claim till someone mentioned it to me recently. 1 year after the incident, I filed a claim without even including a receipt (since I no longer have it) and they approved it and sent me a check for $130! b"h and pretty cool! Very happy with the experience at Travel Guard.
Title: Re: travel insurance
Post by: normaly2345 on July 19, 2015, 02:43:02 PM
Going to Thailand in a week What's a good travel insurance?
Title: Re: travel insurance
Post by: @Yehuda on July 19, 2015, 06:32:34 PM
Going to Thailand in a week What's a good travel insurance?
Why not read the few pages in this thread and then price shop?
Title: Travel insurance
Post by: Tzadik on July 24, 2015, 12:55:22 AM
Any suggestions where to get cheap travel insurance, and is the basic cc insurance enough? Thanks
Title: Re: Travel insurance
Post by: @Yehuda on July 24, 2015, 08:00:31 AM
Check out this (http://forums.dansdeals.com/index.php?topic=248.0) thread.
Mods please merge.
Title: Re: travel insurance
Post by: @Yehuda on August 11, 2015, 12:15:59 PM
Just bought Travel Insurance. Went with Travel Guard as most insurances I researched were really close in price and family has used TG before. Cost was $130 for the 2 of us.

Some things I learned about Insurance (at least with TG):
Quote was MUCH cheaper with a NY address than a NJ. (I have both, so I could have used either one.) NJ was about $235 for the 2 of us.
Quote was the same whether the destination was Israel or UK. (It said to use the country you'll be in for the longest.)
They have 2 plans, Gold and Plat. For the most part, there's no difference just that coverages are higher on the Plat. package. I went with Plat. bc it was only $40 total more than Gold, so I figured why cheap out and take a chance of regretting it later.
I did not opt for additional coverages like car rental, extra medical, or accidental death on plane. My domestic health insurance said they'll cover things abroad, the plan comes with medical also ($50K coverage), and the extra medical is just increased coverages.

Think that's everything I can share about it. Hopefully we won't need it, but be sure that if we do, I'll do my best to include it in the TR.
Travel Guard now offers 3 levels, with a new low level called Silver. For my next trip, I cheaped out on the $40 and opted for the Gold package, as I'm staying domestic this time and just feel more comfortable. Gold has a bit better coverage than Silver and was only $12 more. Of course, I hope not to need it, iy"h.
Title: Re: travel insurance
Post by: rcarentals on August 31, 2015, 03:10:30 AM
What's the general thought on travel insurance - Always get? Never get? Only for certain countries/circumstances? I'm curious in what the board's thoughts are on this...

Clearly behavioral purchasing decisions are not properly analyzed - logically. if they were insurance wouldn't be making so much money.

If you calculate the odds and they are strong enough to suggest you need insurance, you probably should not be heading to that country ;)

Practically - always have a backup - ensure your always insured is the responsible attitude. Especially if you have a family.
Title: Re: travellers insurance question
Post by: Freddie on August 31, 2015, 12:37:39 PM
Sorry, I couldn't find a better thread for this.
Where are good deals for emergency travellers medical insurance for a student studying in Canada for the year?
Title: Re: travellers insurance question
Post by: etech0 on August 31, 2015, 12:38:53 PM
Sorry, I couldn't find a better thread for this.
Where are good deals for emergency travellers medical insurance for a student studying in Canada for the year?
Don't know... but you can also try this thread: http://forums.dansdeals.com/index.php?topic=248
Title: Re: travel insurance
Post by: shmooz on September 01, 2015, 12:07:21 AM
most people here probably dont buy but I have bought a number of times

Bottom line -I dont recommend buying travel insurance for cancellation coverage because you can get it by using a CC. But you may need it for medical insurance.

If you buy a ticket and book with the right CC (not Amex) they will cover changes to itinerary due to illness(no preexisting), also baggage delay etc.

If you book with miles and only charge taxes they may not cover itinerary change costs eg Chase now has language saying they will cover costs if booked with Chase rewards.

If you dont have health insurance outside the U.S. then you may want to get it. Even if you do have, it can be very difficult to collect, its a paperwork nightmare.

I buy the insurance when I travel with my kids. On a few weeks trip someone is likely to need a doctor.

I have used Travelex Lite and recently Travel Guard. They cover kids under 19 for no extra charge with an adult. I cover one adult and all the kids.

I have a collected a few times from Travelex with no problem. Just get all the paperwork you can, the bill, a receipt, diagnosis etc. It doesnt have to be in English.

After speaking with them I learned you can play with the coverage amounts. So if you book a trip with miles and only pay taxes of $50, you could enter that as the trip cost.  Or, you could enter trip cost as $500 and the kids trip cost as $5000 and it will get you some more coverage at the same price. They are fine with that.

Same for the dates of travel, you could enter a longer period of time. Say your trip is for two weeks. You could tack on two weeks at the end and, in case you are delayed. Otherwise the insurance stops when you were supposed to leave.
Title: Re: travel insurance
Post by: travellove on September 01, 2015, 10:29:52 AM
Dan wrote recently re travel insurance "I’ve never bought those things in my life". Want to know if I'm missing something. He's not buying it because they’re not worth it or because you can get back the cost of the tickets through other ways? If yes, what are those ways?

Would appreciate an answer from Dan or anyone else that has an educated guess.
Title: Re: travel insurance
Post by: Emkay on October 07, 2015, 09:56:59 AM
any recommendations for a cheap travel insurance?
EDIT: just saw the wiki, that should work
Title: Re: travel insurance
Post by: yelped on October 07, 2015, 03:41:24 PM
Hi, if I am traveling domestically, is the only reason to buy insurance for cancel for any reason? I read this thread and I'm trying to figure out if I need to get travel insurance. I booked the tickets with my Amex SPG, and my health insurance should cover me in the US? Correct?

Thanks!
Title: Re: travel insurance
Post by: eis517 on October 09, 2015, 10:06:07 AM
We have tickets to Israel for December and we are getting nervous about the situation there. We put our tickets on the Ink card. Do they cover cancellation for that? If not, is there insurance that will cover cancellation if the situation gets worse?
Title: Re: travel insurance
Post by: Emkay on October 09, 2015, 10:26:05 AM
We have tickets to Israel for December and we are getting nervous about the situation there. We put our tickets on the Ink card. Do they cover cancellation for that? If not, is there insurance that will cover cancellation if the situation gets worse?
Safer to walk in Israel then drive in America
Title: Re: travel insurance
Post by: Hidden on October 09, 2015, 10:32:45 AM
We have tickets to Israel for December and we are getting nervous about the situation there. We put our tickets on the Ink card. Do they cover cancellation for that? If not, is there insurance that will cover cancellation if the situation gets worse?
Nothing to be scared of
Title: Re: travel insurance
Post by: eis517 on October 09, 2015, 10:54:35 AM
Nothing to be scared of

Safer to walk in Israel then drive in America

I agree, but that is not helpful. Other people will not want to go if it gets worse/war breaks out, so I am looking for insurance that will cover us.
Title: Re: travel insurance
Post by: David Smith on October 11, 2015, 02:26:33 AM
We have tickets to Israel for December and we are getting nervous about the situation there. We put our tickets on the Ink card. Do they cover cancellation for that? If not, is there insurance that will cover cancellation if the situation gets worse?
Interesting. I always wondered if that was a backup cancellation option for non refundable tickets, and what card I could do that on. (But seriously, you're scared about the safety there?)
Title: Re: travel insurance
Post by: User6669 on October 11, 2015, 04:49:18 AM
Travel Guard, recently changed their policies, and long term policies (6-12 Mo.) became extremely extremely expensive. Is there any other company that allows long term policies (6-12 Mo.) for a decent price?
Title: Re: travel insurance
Post by: eis517 on October 11, 2015, 10:57:17 AM
Interesting. I always wondered if that was a backup cancellation option for non refundable tickets, and what card I could do that on. (But seriously, you're scared about the safety there?)

We have two young kids. It is scary to go, especially if the situation escalates even more
Title: Re: travel insurance
Post by: MAJ on October 12, 2015, 05:43:11 PM
Got back from Israel recently, purchased insurance through Roam Right.
As per this thread http://forums.dansdeals.com/index.php?topic=55807.0 
i had issue with my babies passport expiring after one year and only realized in airport (motzei yom kippur 90 min before flight to israel that had two stopovers). long story short we left baby behind and changed myself, wife and toddler to come home chal hamoed. Tickets were booked with miles.

any chance i get compensated? my daughter also had an ear infection, is that a better angle? what is the best way for me to go about this?

thanks
Title: Re: travel insurance
Post by: rileywiles23 on October 12, 2015, 07:25:13 PM

Got back from Israel recently, purchased insurance through Roam Right.
As per this thread http://forums.dansdeals.com/index.php?topic=55807.0 
i had issue with my babies passport expiring after one year and only realized in airport (motzei yom kippur 90 min before flight to israel that had two stopovers). long story short we left baby behind and changed myself, wife and toddler to come home chal hamoed. Tickets were booked with miles.

any chance i get compensated? my daughter also had an ear infection, is that a better angle? what is the best way for me to go about this?

thanks
How will you ask for compensation, that you forgot to get your daughter a proper passport, so they should compensate you ?! They'll laugh in your face !!!
If your daughter had a legitimate infection, then your only chance is a letter from the doctor that she couldn't  fly.
Title: Re: travel insurance
Post by: MAJ on October 12, 2015, 11:47:31 PM

How will you ask for compensation, that you forgot to get your daughter a proper passport, so they should compensate you ?! They'll laugh in your face !!!
If your daughter had a legitimate infection, then your only chance is a letter from the doctor that she couldn't  fly.
if you read the thread that I linked, you would see that many experts were shocked that her passport wasn't for 5 years and never heard of a baby not getting 5 years, hence I didn't forget I just didn't check as it wasn't a question in my mind that it would be for 5 years.

Still I hear why it's a stretch
Title: travel insurance
Post by: rileywiles23 on October 15, 2015, 06:26:01 PM
I filed a claim with Allianz, for a broken suitcase.
They need documentation that the airline doesn't want to pay for it.
My problem is that UA doesn't reimburse damages to baggage, so there isn't even an option to file said claim. Anything else I can do to get reimbursed ?
Title: Re: travel insurance
Post by: yelped on October 15, 2015, 06:41:11 PM
I filed a claim with Allianz, for a broken suitcase.
They need documentation that the airline doesn't want to pay for it.
My problem is that UA doesn't reimburse damages to baggage, so there isn't even an option to file said claim. Anything else I can do to get reimbursed ?
I guess show them the web page where it says that. Or an email with customer service who says so..
Title: Re: travel insurance
Post by: lindnuck on October 16, 2015, 03:34:39 PM
I am using squaremouth to try to get a quote on travel insurance. Primarily looking for medical coverage and life coverage.

I can't seem to find any policies that DON'T exclude acts of war, hostilities, civil war, etc.

I.e. If when traveling to Israel anything happens due to Palestinian violence, it seems coverage would be excluded. Anyone have a policy or company they know of that will cover this?
Title: Re: travel insurance
Post by: etech0 on October 16, 2015, 04:00:53 PM
I am using squaremouth to try to get a quote on travel insurance. Primarily looking for medical coverage and life coverage.

I can't seem to find any policies that DON'T exclude acts of war, hostilities, civil war, etc.

I.e. If when traveling to Israel anything happens due to Palestinian violence, it seems coverage would be excluded. Anyone have a policy or company they know of that will cover this?
Cancel for Any Reason might be your best bet
Title: Re: travel insurance
Post by: David Smith on October 16, 2015, 04:05:12 PM
Cancel for Any Reason might be your best bet
He's not asking for cancelation insurance he's asking for medical and life.
Title: Re: travel insurance
Post by: lindnuck on October 16, 2015, 04:40:42 PM
He's not asking for cancelation insurance he's asking for medical and life.

Correct, I don't care about trip cancellation. I know the odds are remote of being attacked in Israel, but it's at least more elevated than normal and that's the whole point of this coverage.  So just trying to play it safe and pay $20-60 or so for all contingencies.
Title: Re: travel insurance
Post by: lindnuck on October 16, 2015, 04:42:58 PM
Also I tried the chat support and they couldn't figure it out either, and suggested I call company by company to see if they have riders. Seems very labor intensive.
Title: Re: travel insurance
Post by: lindnuck on October 16, 2015, 06:34:45 PM
Correct, I don't care about trip cancellation. I know the odds are remote of being attacked in Israel, but it's at least more elevated than normal and that's the whole point of this coverage.  So just trying to play it safe and pay $20-60 or so for all contingencies.

I now recall I was able to get this kind of coverage for under $100 through insuremytrip.com in the past, but I went there today and they don't offer it anymore. It's a Global Underwriters Diplomat International plan with a War Rider, but I went to their site directly and was quoted over $250. Not worth it.

If anyone has any other ideas, please LMK.
Title: Re: travel insurance
Post by: yg99 on October 17, 2015, 11:17:38 PM
Anyone have any recent experience with American Express Travel Insurance?  Specifically the medical coverage.

Prices are very decent.

Thanks
Title: Re: travel insurance
Post by: Yehuda25 on October 25, 2015, 09:14:24 AM
Do any of these cover if you just are not able to make the trip? But not for something serious... E.G. wedding work etc.
Title: Re: travel insurance
Post by: yelped on October 25, 2015, 08:30:39 PM
Do any of these cover if you just are not able to make the trip? But not for something serious... E.G. wedding work etc.
I think that's why they sell cancel for any reason, cancel for work upgrades. I just had to cancel, let's see if I get anything from the travel insurance...
Title: Re: travel insurance
Post by: hocker on November 02, 2015, 09:48:05 AM
I am using squaremouth to try to get a quote on travel insurance. Primarily looking for medical coverage and life coverage.

I can't seem to find any policies that DON'T exclude acts of war, hostilities, civil war, etc.

I.e. If when traveling to Israel anything happens due to Palestinian violence, it seems coverage would be excluded. Anyone have a policy or company they know of that will cover this?
FYI foreign citizens injured in terror attacks in Israel are covered by the Israeli government national insurance Institute.

Usually the hospitals bill them directly.

http://www.btl.gov.il/benefits/Victims_of_Hostilities/Pages/default.aspx

Title: Re: travel insurance
Post by: elimmm on November 02, 2015, 07:12:23 PM
however, if you scroll down on the government siteyou will see the following quote
המוסד לביטוח לאומי אינו מחזיר הוצאות על טיפול רפואי פרטי.
namely, they wont pay for a private doctor
thats where war insurance comes in- no one would wanna rely on the ER for something serious G-d forbid
Title: Re: travel insurance
Post by: hocker on November 02, 2015, 08:05:23 PM
however, if you scroll down on the government siteyou will see the following quote
המוסד לביטוח לאומי אינו מחזיר הוצאות על טיפול רפואי פרטי.
namely, they wont pay for a private doctor
thats where war insurance comes in- no one would wanna rely on the ER for something serious G-d forbid

You seem confused.

Israel has a socialized medicine program and the vast majority of Dr's accept the coverage. Additionally there are some Dr's what don't accept the National insurance and they are k own as שרע"פ or פרטי. The coverage provided by the state of Israel covers the former not the latter.

Some of the biggest if not most of the biggest and greatest Dr's in Israel accept the National coverage. You threw in the word ER the place where every single patient lands after a terror attack and where the idea of private Dr's doesn't exist, I'm not sure what you meant.
Title: Re: travel insurance
Post by: Mutty on December 20, 2015, 10:17:40 PM
I just bought tickets for mid winter from ny to Arizona. I declined the insurance. Question. What does that insurance actually include? If I decide to cancel for any reason? Is it worth it? Tickets were over 500, insurance over 40?
Title: Re: travel insurance
Post by: chff on December 21, 2015, 01:03:17 AM
I just bought tickets for mid winter from ny to Arizona. I declined the insurance. Question. What does that insurance actually include? If I decide to cancel for any reason? Is it worth it? Tickets were over 500, insurance over 40?
Depends each policy
Title: Re: travel insurance
Post by: GettingReady on April 03, 2016, 10:52:18 AM
I'm checking into international travel insurance for our month EU trip this fall. I don't care about monetary reimbursement since we're paying for almost everything with points, miles, CB. I primarily want emergency medical and evacuation due to hubs age/health.

Places I looked at:
Allianz: international no longer available. It was available until Brussels then pulled.
DansDivers Insurance: looks like emergency evac is only $10K

Then I came across Amex where you can pick and chose your plan including Emergency medical up to $100K, emergency evac to $100K, etc.for $64/2 people. You can also add on lost luggage, trip delay, misc. Any personal experience with this or data points from friends/family?
 
https://www295.americanexpress.com/travel-insurance/home.do?&aetiSource=FP10&extlink=ps-us-aeti-google--NB_Trip%20Insurance_RLSA_Exact-sziupxQUV|dc&pcrid=100572989578&pmt=e&kw=trip%20insurance&gclid=CjwKEAjw_oK4BRDym-SDq-aczicSJAC7UVRtyKwNpxNSGxrP5r6NLsNfJI2qH2gMAhNC_FykPK6GzRoCWkXw_wcB
Title: Re: travel insurance
Post by: shmooz on April 03, 2016, 11:07:24 AM
I have bought the amex because its cheap and robust and hoped that it is good as amex name. Never filed. I think you have to go to doctors they recommend.
 If you have kids then you will also want to look at some policies that include kids for free.
Title: Re: travel insurance
Post by: shwarmabob on April 03, 2016, 11:13:30 AM
I'm checking into international travel insurance for our month EU trip this fall. I don't care about monetary reimbursement since we're paying for almost everything with points, miles, CB. I primarily want emergency medical and evacuation due to hubs age/health.

Places I looked at:
Allianz: international no longer available. It was available until Brussels then pulled.
DansDivers Insurance: looks like emergency evac is only $10K

Then I came across Amex where you can pick and chose your plan including Emergency medical up to $100K, emergency evac to $100K, etc.for $64/2 people. You can also add on lost luggage, trip delay, misc. Any personal experience with this or data points from friends/family?
 
https://www295.americanexpress.com/travel-insurance/home.do?&aetiSource=FP10&extlink=ps-us-aeti-google--NB_Trip%20Insurance_RLSA_Exact-sziupxQUV|dc&pcrid=100572989578&pmt=e&kw=trip%20insurance&gclid=CjwKEAjw_oK4BRDym-SDq-aczicSJAC7UVRtyKwNpxNSGxrP5r6NLsNfJI2qH2gMAhNC_FykPK6GzRoCWkXw_wcB
$64/2 people seems like a good prize.
I paid $29/ per person for emergency evac up to $25K, etc. when getting tickets with United. The coverage is by Allianz.
Title: Re: travel insurance
Post by: GettingReady on April 03, 2016, 02:27:27 PM
It will actually be a little more as hubs wants to add in life insurance. No biggie though. I don't think the luggage and trip delay is necessarily worth it, even though it's not much, as I know that's covered with some CCs. We did pay misc fees/taxes with my CSP.

I've read a lot of positive reports with Amex concerning refunds on purchases and I'm hoping the support is good with travel insurance.
Title: Re: travel insurance
Post by: ckmk47 on April 03, 2016, 02:37:01 PM
It will actually be a little more as hubs wants to add in life insurance.
Wouldn't your regular life ins policy be good enough?
Title: Re: travel insurance
Post by: GettingReady on April 03, 2016, 05:28:04 PM
Wouldn't your regular life ins policy be good enough?

With retirement this year, life insurance went out the window. Having said that, by the time you retire you shouldn't need life insurance. Hubs just thought it would be nice for me to have a little extra if something happened to him on our trip. We're talking $54 for 1m.
Title: Re: travel insurance
Post by: chff on April 03, 2016, 09:02:34 PM
I'm checking into international travel insurance for our month EU trip this fall. I don't care about monetary reimbursement since we're paying for almost everything with points, miles, CB. I primarily want emergency medical and evacuation due to hubs age/health.

Places I looked at:
Allianz: international no longer available. It was available until Brussels then pulled.
DansDivers Insurance: looks like emergency evac is only $10K

Then I came across Amex where you can pick and chose your plan including Emergency medical up to $100K, emergency evac to $100K, etc.for $64/2 people. You can also add on lost luggage, trip delay, misc. Any personal experience with this or data points from friends/family?
 
https://www295.americanexpress.com/travel-insurance/home.do?&aetiSource=FP10&extlink=ps-us-aeti-google--NB_Trip%20Insurance_RLSA_Exact-sziupxQUV|dc&pcrid=100572989578&pmt=e&kw=trip%20insurance&gclid=CjwKEAjw_oK4BRDym-SDq-aczicSJAC7UVRtyKwNpxNSGxrP5r6NLsNfJI2qH2gMAhNC_FykPK6GzRoCWkXw_wcB
I had a good experience with Travel Guard
Title: Re: travel insurance
Post by: GettingReady on April 03, 2016, 09:45:12 PM
I had a good experience with Travel Guard

Thanks for the suggestion.
Title: Re: travel insurance
Post by: yelped on April 03, 2016, 11:38:55 PM
Thanks for the suggestion.
I had a good experience with Roamright. And MH Ross a few years ago. Use Squaremouth to compare. Also,  USAA members get 33% off at Travel Insured. Had it on one trip but didn't need to use it so I can't comment on their service.
Title: Re: travel insurance
Post by: GettingReady on April 03, 2016, 11:43:57 PM
I had a good experience with Roamright. And MH Ross a few years ago. Use Squaremouth to compare. Also,  USAA members get 33% off at Travel Insured. Had it on one trip but didn't need to use it so I can't comment on their service.

I never realized there were so many companies. Thanks!
Title: Re: travel insurance
Post by: etech0 on April 11, 2016, 10:31:47 PM
Are there ANY travel insurance companies that don't have a deadline from your first payment to purchase CFAR or to be covered for preexisting conditions?

TY
Title: Re: travel insurance
Post by: shmooz on April 13, 2016, 02:29:02 PM
Some will cover prexisting if you have your own insurance in US. Maybe geo blue cross maybe amex dont recall.
Title: Re: travel insurance
Post by: etech0 on April 13, 2016, 03:28:34 PM
Some will cover prexisting if you have your own insurance in US. Maybe geo blue cross maybe amex dont recall.
Interesting! Though that doesn't help with CFAR.

I thought the answer was no. Just wanted to double check. Thanks!
Title: Re: travel insurance
Post by: lechatchileh ariber on April 18, 2016, 11:22:19 AM
I forgot to buy travel insurance before I left, travel guard told me that they cannot insure me since I am already in travel status. Are there any insurance agencies which will insure me (BH nothing happened, but I want to take out a policy).
Thanks
Title: Re: travel insurance
Post by: MeirS on April 18, 2016, 12:17:28 PM
I forgot to buy travel insurance before I left, travel guard told me that they cannot insure me since I am already in travel status. Are there any insurance agencies which will insure me (BH nothing happened, but I want to take out a policy).
Thanks
You might want to find out if the socialist country in which you are has any coverage for you, I know they cover people with student visas. I don't think they cover for tourists but it can't hurt to ask (at your local doctor?).
Title: Re: travel insurance
Post by: ExGingi on April 18, 2016, 02:06:02 PM
I forgot to buy travel insurance before I left, travel guard told me that they cannot insure me since I am already in travel status. Are there any insurance agencies which will insure me (BH nothing happened, but I want to take out a policy).
Thanks

If I am not mistaken IMG allows you to start coverage when you are already outside the USA.

Title: Re: travel insurance
Post by: ExGingi on April 18, 2016, 02:13:48 PM
Are there ANY travel insurance companies that don't have a deadline from your first payment to purchase CFAR or to be covered for preexisting conditions?

TY

Check out InsureAndGoUSA. If I am not mistaken the policy language (at least the NY version) states that it is ACA compliant and doesn't exclude preexisting conditions.
Title: Re: travel insurance
Post by: lechatchileh ariber on April 18, 2016, 02:53:25 PM
If I am not mistaken IMG allows you to start coverage when you are already outside the USA.
Thx, I'll try that.
Title: Re: travel insurance
Post by: Buruch on January 06, 2017, 04:59:59 PM
Are there any plans that cover things like ear infection, strep etc. - not emergency? All seem to say emergency.
Title: Re: travel insurance
Post by: yelped on January 07, 2017, 08:51:29 PM
Are there any plans that cover things like ear infection, strep etc. - not emergency? All seem to say emergency.
Why would say those are not emergencies?
Title: Re: travel insurance
Post by: shmooz on January 29, 2017, 07:17:32 PM
Are there any plans that cover things like ear infection, strep etc. - not emergency? All seem to say emergency.

IME those would be covered. non-emergencies are things that can wait.
Title: Re: travel insurance
Post by: Buruch on January 29, 2017, 09:36:13 PM
Those are generally called urgent, not eemergency.
Title: Re: travel insurance
Post by: shmooz on January 30, 2017, 09:35:03 AM
Those are generally called urgent, not eemergency.

 I'm only saying that I've been paid on claims for strep checks etc on travel policies that cover emergencies
Title: Re: travel insurance
Post by: yelped on January 30, 2017, 09:54:34 AM
Those are generally called urgent, not eemergency.
I'm pretty sure that they are covered.  I'm not sure why you're saying they shouldn't. If you're really unsure why don't you call the travel insurance company and confirm?
Title: Re: travel insurance
Post by: ExGingi on January 30, 2017, 10:41:07 PM
I'm only saying that I've been paid on claims for strep checks etc on travel policies that cover emergencies
+1
Title: Re: travel insurance
Post by: David Smith on January 31, 2017, 02:19:24 AM
I have not taken any travel insurance.
That's an interesting way to advertise a mortgage broker site. In any case, it's been real. We haven't seen you for a while. We may not see you for a while again.
Title: Re: travel insurance
Post by: RockaHocka on May 19, 2017, 08:40:08 AM
Reading through the thread I see a lot of ppl post that simply for cancelation it's better to go through the credit card than travel insurance. Does this mean to dispute the charge or to use their travel insurance plan? Booked with regular Starwood card.
Title: Re: travel insurance
Post by: outinstyle on August 09, 2017, 11:47:22 AM
I may have to cancel a JetBlue flight that I booked for Succos.
I won't know for another week or so.

2 Questions:

I want to purchase insurance today. Which of the safest company, to get a full refund?

Will a medical note for one of the travelers allow cancelling an entire family of 4?

Any information is appreciated
Title: Re: travel insurance
Post by: Hjay on August 09, 2017, 02:40:39 PM
I'm living in Israel now. Been here on & off for two years since I got married. When checking square mouth for insurance I first put in Usa as residence & I got greata quotes, when I changed residence to Israel keeping citizen as Usa cheapest quote was over $200 for a week trip to Greece. Can I just put my residence as Usa or it's not gonna cover if I do that? Any other suggestions?
Title: Re: travel insurance
Post by: ExGingi on August 09, 2017, 02:59:57 PM
I'm living in Israel now. Been here on & off for two years since I got married. When checking square mouth for insurance I first put in Usa as residence & I got greata quotes, when I changed residence to Israel keeping citizen as Usa cheapest quote was over $200 for a week trip to Greece. Can I just put my residence as Usa or it's not gonna cover if I do that? Any other suggestions?
Israel has its own unique travel insurance plans. I'd say shop around, often through your Kupat Cholim, Travel Agent, or some do online (there's one called Passport).

For example, in the US it's very difficult or close to impossible to get travel insurance for an elderly person, while in Israel it's readily available.
Title: Re: travel insurance
Post by: Hjay on August 09, 2017, 03:05:23 PM
Israel has its own unique travel insurance plans. I'd say shop around, often through your Kupat Cholim, Travel Agent, or some do online (there's one called Passport).

For example, in the US it's very difficult or close to impossible to get travel insurance for an elderly person, while in Israel it's readily available.

I try not to deal with Israelis if I don't have to. Regardless, when booking my flights with daka90 over the phone I was offered insurance & took it but the guy told me that w/o tz I can't buy insurance from them. I'm sure it'll be pretty complicated with other companies as well for this reason.
Title: Re: travel insurance
Post by: moe8555 on August 10, 2017, 06:28:08 AM
I try not to deal with Israelis if I don't have to.

+100 (with regard to anything consumer related)

Although Passport Card is supposed to be very good (if you can get coverage).
Title: Re: travel insurance
Post by: Hjay on August 10, 2017, 07:52:41 AM
+100 (with regard to anything consumer related)

Although Passport Card is supposed to be very good (if you can get coverage).

Would u know if I'd be able to get it without being a citizen? Otherwise I might try meuhedet now or my American TA.
Title: Re: travel insurance
Post by: PPM on August 10, 2017, 08:39:46 AM
I'm living in Israel now. Been here on & off for two years since I got married. When checking square mouth for insurance I first put in Usa as residence & I got greata quotes, when I changed residence to Israel keeping citizen as Usa cheapest quote was over $200 for a week trip to Greece. Can I just put my residence as Usa or it's not gonna cover if I do that? Any other suggestions?
I use allianz all the time.
I put in my USA address and the checks come to that address.
Title: Re: travel insurance
Post by: moe8555 on August 10, 2017, 08:45:11 AM
I use allianz all the time.
I put in my USA address and the checks come to that address.

But you're actually in Israel?  Never any problems with this?

I'm not too familiar with US plans -- are they generally more comprehensive/less bureaucracy than Israeli plans?
Title: Re: travel insurance
Post by: moe8555 on August 10, 2017, 08:46:04 AM
Would u know if I'd be able to get it without being a citizen? Otherwise I might try meuhedet now or my American TA.

Best thing to do would be call.  They answer very quickly. *9912
Title: Re: travel insurance
Post by: Hjay on August 10, 2017, 09:01:30 AM
Called meuhedet for my wife and myself is free. Baby is 25 shekel. Pretty much a no brainer, unless I have to start dealing with them. Maybe I'll also do a cheap american for backup.

I use allianz all the time.
I put in my USA address and the checks come to that address.

I have no problem putting in my american address as well, but I'm worried they'll deny coverage if they see I flew from Israel and back to Israel.
Title: Re: travel insurance
Post by: moe8555 on August 10, 2017, 09:28:35 AM
I have no problem putting in my american address as well, but I'm worried they'll deny coverage if they see I flew from Israel and back to Israel.

This is my exact concern -- would love to see data points.
Title: Re: travel insurance
Post by: Hjay on August 10, 2017, 09:57:07 AM
This is my exact concern -- would love to see data points.

We're in the same boat. Please report back if you get any further info.
Title: Re: travel insurance
Post by: mgarfin on October 23, 2017, 03:38:53 PM
I'm trying to file a claim with my secondary travel insurance company.
They want proof we were denied by my primary health care provider.
When I call united healthcare community plan in NY they don't know how I am to get a "letter of denial" (as overseas travel is not covered)
After going round and round I was given an address to mail my claim and see what happens.

Any advise
Title: Re: travel insurance
Post by: ExGingi on October 24, 2017, 02:47:06 PM
I'm trying to file a claim with my secondary travel insurance company.
They want proof we were denied by my primary health care provider.
When I call united healthcare community plan in NY they don't know how I am to get a "letter of denial" (as overseas travel is not covered)
After going round and round I was given an address to mail my claim and see what happens.

Any advise
You have to submit a claim. You will likely get an EOB saying it was denied (though officially if it was an emergency it might actually be covered). That will be your denial letter.
Title: Re: travel insurance
Post by: shmooz on October 24, 2017, 03:16:56 PM
maybe can submit to travel insurance a copy of policy showing the terms exclude overseas?
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 12:16:39 PM
Was scheduled to fly EWR-PBI, flight was cancelled, booked a last minute ticket PHL-PBI. 2 expenses were incurred.

1) 40k AA +around $175 in fees

2) Approximately $175 for the taxi from EWR-PHL


I have Allianz travel insurance, and trip was paid for on the sapphire reserve. 


Any shot at getting anything reimbursed?
Title: Re: travel insurance
Post by: ExGingi on January 16, 2018, 12:24:42 PM
Was scheduled to fly EWR-PBI, flight was cancelled, booked a last minute ticket PHL-PBI. 2 expenses were incurred.

1) 40k AA +around $175 in fees

2) Approximately $175 for the taxi from EWR-PHL


I have Allianz travel insurance, and trip was paid for on the sapphire reserve.

You need to read the T&C of whatever coverage you had for the EWR-PBI flight. I doubt you are covered for more than the price of that ticket, but I might be wrong. In any event, please do report back after you file claims.


Any shot at getting anything reimbursed?
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 12:28:27 PM
So, this would be filed under trip cancellation? Or trip interruption?
Title: Re: travel insurance
Post by: ExGingi on January 16, 2018, 12:30:10 PM
So, this would be filed under trip cancellation? Or trip interruption?
Trip interruption is when something happens AFTER the trip started (though that might mean after you took a taxi or other means of transportation to go to the airport). If your entire "trip" was a one way ticket, this is cancellation.
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 12:31:52 PM
Trip interruption is when something happens AFTER the trip started (though that might mean after you took a taxi or other means of transportation to go to the airport). If your entire "trip" was a one way ticket, this is cancellation.
round trip - so I will file under interruption.
Title: Re: travel insurance
Post by: ExGingi on January 16, 2018, 12:32:45 PM
round trip - so I will file under interruption.
If this is your return leg, then definitely interruption.
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 12:37:03 PM
If this is your return leg, then definitely interruption.
it's the outbound leg...
Title: Re: travel insurance
Post by: ExGingi on January 16, 2018, 12:39:14 PM
it's the outbound leg...
Did cancellation occur before you left home? Was the original ticket a RT or two one-ways? What happened with your return?

In any event, you can definitely call the claims department of the coverage you have, and ask them based on your complete set of circumstances.
Title: Re: travel insurance
Post by: etech0 on January 16, 2018, 12:40:16 PM
In any event, you can definitely call the claims department of the coverage you have, and ask them based on your complete set of circumstances.
+1
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 12:47:45 PM
Did cancellation occur before you left home? Was the original ticket a RT or two one-ways? What happened with your return?

In any event, you can definitely call the claims department of the coverage you have, and ask them based on your complete set of circumstances.
cancellation occured when were at the airport in newark already, was originally a round trip on jetblue, but the outbound got cancelled, so booked a last minute on AA
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 12:48:18 PM
Did cancellation occur before you left home? Was the original ticket a RT or two one-ways? What happened with your return?

In any event, you can definitely call the claims department of the coverage you have, and ask them based on your complete set of circumstances.
any harm in just filing? as opposed to calling and asking first?
Title: Re: travel insurance
Post by: ExGingi on January 16, 2018, 12:51:00 PM
cancellation occured when were at the airport in newark already, was originally a round trip on jetblue, but the outbound got cancelled, so booked a last minute on AA
Sounds like interruption to me. But I would suggest you call. You might save yourself time and effort of having to file again, by getting it right the first time around. Would have probably been best to call Allianz right then and there from the airport when flight was cancelled, they might have directed you as to what to do.
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 01:27:49 PM
Sounds like interruption to me. But I would suggest you call. You might save yourself time and effort of having to file again, by getting it right the first time around. Would have probably been best to call Allianz right then and there from the airport when flight was cancelled, they might have directed you as to what to do.
I was paying for it regardless, so did not matter at the time - also it was in middle of the storm, flight was departing in 2 hours and I was in newark:) so not too much time to play with.
Title: Re: travel insurance
Post by: etech0 on January 16, 2018, 01:36:15 PM
any harm in just filing? as opposed to calling and asking first?
If you file a claim it could take weeks or months until you get it resolved, and there might be a lot of back and forth with what you are  claiming for, documentation, etc. You'll probably save a lot of time if you call and see what they advise in terms of what to claim and what documentation to send.

(Speaking from experience with other companies)
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 01:47:38 PM
If you file a claim it could take weeks or months until you get it resolved, and there might be a lot of back and forth with what you are  claiming for, documentation, etc. You'll probably save a lot of time if you call and see what they advise in terms of what to claim and what documentation to send.

(Speaking from experience with other companies)
Got it, thanks!
Title: Re: travel insurance
Post by: yelped on January 16, 2018, 02:41:08 PM
Please report back. Just curious, did you purchase this insurance on Jetblue's website while booking?
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 02:44:12 PM
Please report back. Just curious, did you purchase this insurance on Jetblue's website while booking?
Yes.
Title: Re: travel insurance
Post by: yelped on January 16, 2018, 02:54:40 PM
Yes.
Ah. I usually decline that insurance and shop for insurance on Squaremouth. That way, I can compare policies and see exactly what I'm getting. More recently, I use travelinsured with a 33% discount for USAA Members. They cover the cost for points restoration into accounts, too.
Title: Re: travel insurance
Post by: Yehuda25 on January 16, 2018, 02:56:16 PM
Ah. I usually decline that insurance and shop for insurance on Squaremouth. That way, I can compare policies and see exactly what I'm getting. More recently, I use travelinsured with a 33% discount for USAA Members. They cover the cost for points restoration into accounts, too.
good to know for the future, thanks!
Title: Re: travel insurance
Post by: ExGingi on January 16, 2018, 04:00:03 PM
Ah. I usually decline that insurance and shop for insurance on Squaremouth. That way, I can compare policies and see exactly what I'm getting. More recently, I use travelinsured with a 33% discount for USAA Members. They cover the cost for points restoration into accounts, too.
Is having a USAA Bank account with a USAA number sufficient, or does one need full USAA membership? (or none at all  ;))
Title: Re: travel insurance
Post by: yelped on January 16, 2018, 06:49:03 PM
Is having a USAA Bank account with a USAA number sufficient, or does one need full USAA membership? (or none at all  ;))
USAA member seems to be enough. Click through USAA. 33% discount should be applied.
Title: Re: travel insurance
Post by: Aussie on June 14, 2018, 07:08:33 PM
Best travel insurance that covers pregnancy (within US)?
Title: Re: travel insurance
Post by: jose34 on June 14, 2018, 07:29:53 PM
Israel has its own unique travel insurance plans. I'd say shop around, often through your Kupat Cholim, Travel Agent, or some do online (there's one called Passport).

For example, in the US it's very difficult or close to impossible to get travel insurance for an elderly person, while in Israel it's readily available.

If you have Mehudet C and your under 26 you can get free travel insurance.
Title: Re: travel insurance
Post by: Aron27 on June 15, 2018, 09:03:02 AM
If you have Mehudet C and your under 26 you can get free travel insurance.
How do you do it?
 I have C and always had to pay for my kids when booking through meuchedet travel insurance?
Title: Re: travel insurance
Post by: jose34 on June 17, 2018, 08:09:08 AM
Did you call up Mehedet Travel Insurance deapartment and ask them?
Title: Re: travel insurance
Post by: chayie on July 31, 2018, 02:16:40 PM
Are there any credit cards that have a benefit of medical travel insurance?
traveling to Canada and don't want to buy a plan if I don't have to.
thanks in advance
Title: Re: travel insurance
Post by: ExGingi on July 31, 2018, 02:24:54 PM
Are there any credit cards that have a benefit of medical travel insurance?
traveling to Canada and don't want to buy a plan if I don't have to.
thanks in advance
If you're going for under a month, you can get a plan that covers you for $100,000 of medical insurance for $19 (assuming your non-refundable trip cost is up to $500). I used this (http://bit.do/campinsurance) for my daughters who went to camp in Canada. Key is to leave the "trip cost" at $500 or less.

Title: Re: travel insurance
Post by: ludmila on July 31, 2018, 02:51:27 PM
If you're going for under a month, you can get a plan that covers you for $100,000 of medical insurance for $19 (assuming your non-refundable trip cost is up to $500). I used this (http://bit.do/campinsurance) for my daughters who went to camp in Canada. Key is to leave the "trip cost" at $500 or less.
Thanks.
Title: Re: travel insurance
Post by: ExGingi on July 31, 2018, 05:13:08 PM
If you're going for under a month, you can get a plan that covers you for $100,000 of medical insurance for $19 (assuming your non-refundable trip cost is up to $500). I used this (http://bit.do/campinsurance) for my daughters who went to camp in Canada. Key is to leave the "trip cost" at $500 or less.

IINM this doesn't work for Florida residents (i.e. at those rates), but other states I randomly checked were OK.
Title: Re: travel insurance
Post by: Mordyk on August 21, 2018, 02:04:21 PM
i booked a $6500 trip a few months ago and i just found out that i might need to cancel it.  can i still get insurance? and if yes any specific plans to recommend?

TIA
Title: Re: travel insurance
Post by: yelped on August 21, 2018, 02:06:09 PM
Depends what reason you're cancelling under. Some reasons only qualify if it's within 21 days of booking. Use squaremouth to compare. It shows you all the details.
Title: Re: travel insurance
Post by: chff on November 04, 2018, 04:00:17 PM
https://viewfromthewing.boardingarea.com/2018/11/04/credit-card-trip-delay-fails-to-pay-out-reader-story-to-learn-from/
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 05:11:42 PM
Any suggestions for travel insurance that doesn't exclude pregnancy?
Title: Re: travel insurance
Post by: JunkYardUnz on November 07, 2018, 05:28:04 PM
Any suggestions for travel insurance that doesn't exclude pregnancy?
You need to look at each policy. I purchased an Alliance policy that included pregnancy. I purchased it www.travelinsurance.com
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 05:57:48 PM
You need to look at each policy. I purchased an Alliance policy that included pregnancy. I purchased it www.travelinsurance.com
Thanks, do you remember which policy it was? (basic, prime or premier?)
Title: Re: travel insurance
Post by: ckdkimhi on November 07, 2018, 06:01:42 PM
Try this guy. Nathen Hieman
I didn’t use him for pregnancy. Though I paid him $34 for a year in Australia and I he 2 surgeries fully paid!!! 
Tovtravelnh@gmail.com
Title: Re: travel insurance
Post by: ckdkimhi on November 07, 2018, 06:09:09 PM
I meant to say. That I *had two surgeries fully paid.
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 06:30:46 PM
Thanks, but since pregnancy is a pre-existing condition it might need different coverage than an emergency surgery
Title: Re: travel insurance
Post by: JunkYardUnz on November 07, 2018, 06:31:04 PM
Thanks, do you remember which policy it was? (basic, prime or premier?)
Classic. Does that make sense?
Title: Re: travel insurance
Post by: JunkYardUnz on November 07, 2018, 06:32:49 PM
Try this guy. Nathen Hieman
I didn’t use him for pregnancy. Though I paid him $34 for a year in Australia and I he 2 surgeries fully paid!!! 
Tovtravelnh@gmail.com
I thought he was talking about trip cancellation insurance, ie if his wife gets pregnant and wants to cancel the trip.
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 06:44:42 PM
I thought he was talking about trip cancellation insurance, ie if his wife gets pregnant and wants to cancel the trip.
Yes, that's what I was asking about. But actually looking for something that will cover medical expenses if something comes up
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 06:46:31 PM
Classic. Does that make sense?
Thanks, all I see is basic, prime, or premier options. Was your wife pregnant during the trip? Looking for a policy that will cover someone who is pregnant during the trip.
Title: Re: travel insurance
Post by: yelped on November 07, 2018, 06:55:14 PM
At the time of purchasing the insurance, is your wife pregnant?
Title: Re: travel insurance
Post by: buchir on November 07, 2018, 06:56:32 PM
Any suggestions for travel insurance that doesn't exclude pregnancy?

I used travel guard when I traveled while my wife was pregnant. They then told me they will cover everything as long as I leave the country without any issues in the pregnancy, and I'm not going intentionally to have the baby on foreign soil. If your only concerned about medical coverage (like I was) they have a cheap policy called MedEvac.
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 07:07:02 PM
At the time of purchasing the insurance, is your wife pregnant?
Yes, I am the one pregnant :D
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 07:08:34 PM
I used travel guard when I traveled while my wife was pregnant. They then told me they will cover everything as long as I leave the country without any issues in the pregnancy, and I'm not going intentionally to have the baby on foreign soil. If your only concerned about medical coverage (like I was) they have a cheap policy called MedEvac.
Thanks a lot, will look into it. I guess I will get a letter from my Dr. clearing me for travel so that I can prove that if need be.
Title: Re: travel insurance
Post by: yelped on November 07, 2018, 08:04:38 PM
Yes, I am the one pregnant :D
Just make sure pre existing conditions are covered. Many will sell it as long as it's 21 days before travel.
Title: Re: travel insurance
Post by: eandd on November 07, 2018, 08:07:33 PM
Just make sure pre existing conditions are covered. Many will sell it as long as it's 21 days before travel.
I called a few companies (allianz, travel guard) and they all said normal pregnancy and childbirth would be excluded. So would premature labor not be covered? Or complications that could crop up like preeclamsia?
Title: Re: travel insurance
Post by: flyingace on November 07, 2018, 08:14:41 PM
Be VERY careful with pregnancy issues. Most insurances specifically exclude anything due to pregnancy related issues after the seventh month. My kids lost  nonrefundable tickets that CSR refused to cover when they needed to travel earlier in the pregnancy than expected, even with a doctor's note.
Title: Re: travel insurance
Post by: yelped on November 07, 2018, 08:55:40 PM
IME, travel insurance purchased separately were much better to deal with than CC insurance.

I called a few companies (allianz, travel guard) and they all said normal pregnancy and childbirth would be excluded. So would premature labor not be covered? Or complications that could crop up like preeclamsia?

It seems you're right. The plan I usually use (TraveledInsured with USAA discount), says they only cover pregnancy if it occured after the plan effective date, as opposed to other pre-existing conditions (that have other limitations). I would advise you to call a Squaremouth rep to ask. They should know. 1-800-240-0369. www.squaremouth.com
Title: Re: travel insurance
Post by: chff on November 08, 2018, 08:58:20 AM
I called a few companies (allianz, travel guard) and they all said normal pregnancy and childbirth would be excluded. So would premature labor not be covered? Or complications that could crop up like preeclamsia?
I called a few and was told "end of pregnancy" is not covered. Morning sickness etc is covered
Title: Re: travel insurance
Post by: eandd on November 08, 2018, 09:39:35 AM


It seems you're right. The plan I usually use (TraveledInsured with USAA discount), says they only cover pregnancy if it occured after the plan effective date, as opposed to other pre-existing conditions (that have other limitations). I would advise you to call a Squaremouth rep to ask. They should know. 1-800-240-0369. www.squaremouth.com
[/quote]
Thanks, that's a good idea I'll try them
Title: Re: travel insurance
Post by: eandd on November 08, 2018, 09:42:38 AM
I called a few and was told "end of pregnancy" is not covered. Morning sickness etc is covered
That's what it seems like, or if you find out you're pregnant after booking. Some cover complications unrelated to pregnancy that can be exacerbated like nephritis.

So people travel in later trimesters with no insurance? What do all those "babymooners" do
Title: Re: travel insurance
Post by: Jkhein on November 09, 2018, 01:11:24 AM
I'm scheduled to fly to Israel with my family including a newborn baby, doctor advises not to take newborn baby because of measles outbreak. Will travel insurance/cc travel insurance help out in anyway if we cancel the trip because of this?
Title: Re: travel insurance
Post by: ckdkimhi on November 09, 2018, 01:40:30 AM
Thanks, but since pregnancy is a pre-existing condition it might need different coverage than an emergency surgery
I actually did had a torn knee and it got worse in Australia. And I was still covered. I did mention before I got my plan about my situation. Just call the guy and see what he says
Title: Re: travel insurance
Post by: yelped on November 09, 2018, 09:55:42 AM
I'm scheduled to fly to Israel with my family including a newborn baby, doctor advises not to take newborn baby because of measles outbreak. Will travel insurance/cc travel insurance help out in anyway if we cancel the trip because of this?
Depending on what plan and when you got the plan, you should be covered.
Title: Re: travel insurance
Post by: eandd on November 14, 2018, 06:21:29 PM
Still desperately looking for a travel insurance policy! All the policies I looked into could not clarify whether pre-mature labor was a covered benefit. Any insurance experts out there that could recommend a policy? (Already contacted square mouth, travelgaurd, img etc.)
Title: Re: travel insurance
Post by: yelped on November 14, 2018, 07:03:17 PM
Did you call TravelInsured? IME the reps on the phone are knowledgeable.
Title: Re: travel insurance
Post by: Happyguy on November 15, 2018, 04:57:13 PM
Still desperately looking for a travel insurance policy! All the policies I looked into could not clarify whether pre-mature labor was a covered benefit. Any insurance experts out there that could recommend a policy? (Already contacted square mouth, travelgaurd, img etc.)

Try Gold Insurance (+972)29999365
Title: Re: travel insurance
Post by: eandd on November 15, 2018, 08:51:43 PM
Did you call TravelInsured? IME the reps on the phone are knowledgeable.
Thanks for the tip! They were actually not among the 200 I had called, and were the only ones that were willing to transfer me to a supervisor to clarify further. Waiting to hear back from them...
Title: Re: travel insurance
Post by: eandd on November 15, 2018, 08:52:51 PM
Try Gold Insurance (+972)29999365
What is that? In Israel?
Title: Re: travel insurance
Post by: Happyguy on November 16, 2018, 04:50:31 AM
What is that? In Israel?
Yes. But it works from abroad to Israel as well
Title: Re: travel insurance
Post by: Vexorg on November 16, 2018, 04:29:05 PM
You could get " CANCEL ANYTIME". Its usually part of the policy, you just have to purchase the insurance with in 20 days of buying your airline tickets. Most will only pay 70%. 
Title: Re: travel insurance
Post by: eandd on November 17, 2018, 07:56:01 PM
Thank you so much to everyone who replied! Update: I contacted world nomads, and they confirmed that they will cover Pre-mature labor but not the newborn. This seemed like the best option, albeit more expensive, so I purchased. Hope to never use it...
Title: Re: travel insurance
Post by: dwkl on November 17, 2018, 11:39:02 PM
try ins agent in lkwd 732-905-7699 very knowledgeable does all sorts of travel insurance
Title: Re: travel insurance
Post by: BCL on February 01, 2019, 06:57:34 PM
Looking to travel with pregnant DW, and concerned about cancelling, or health complications on the trip, or even possible delivery on the trip. Can I get coverage for all that?
Any good suggestions?
Title: Re: travel insurance
Post by: yelped on February 02, 2019, 09:18:46 PM
2 posts above you.... :)
Title: Re: travel insurance
Post by: davidd75 on February 04, 2019, 05:44:23 PM
looking to to travel as 8 passengers(me DW and 6 children) from NYC-California in late July to early August on Delta basic economy for about $2300 but hesitant to pull trigger mainly because so much can change until then and I am not sure what my best bet would be for trip cancellation or modification options(I am more likely to modify the dates than to cancel).  Need something more than the typical trip insurance that only covers medical emergencies. 

Also it appears at least according to Allianze if i purchase tickets with delta GC they wont cover me!
Title: Re: travel insurance
Post by: davidd75 on February 05, 2019, 09:33:02 AM
I don't need medical coverage or anything like that just an option thats lets me modify dates or at least cancel for any reason.
Title: Re: travel insurance
Post by: yelped on February 05, 2019, 10:41:07 AM
I don't need medical coverage or anything like that just an option thats lets me modify dates or at least cancel for any reason.
No insurance will let you modify dates and cover the fare difference (unless it's for medical reasons), but there are insurance options that will cover cancel for any reason. They typically won't cover more than 75% of the trip cost.
Title: Re: travel insurance
Post by: oldguy on February 05, 2019, 11:22:30 AM
No insurance will let you modify dates and cover the fare difference (unless it's for medical reasons), but there are insurance options that will cover cancel for any reason. They typically won't cover more than 75% of the trip cost.
Allianz through an Agent can get 80%
Title: Re: travel insurance
Post by: davidd75 on February 05, 2019, 12:15:57 PM
Allianz through an Agent can get 80%

so which agent do you recommend?
Title: Re: travel insurance
Post by: oldguy on February 05, 2019, 01:29:25 PM
so which agent do you recommend?
You can send me a PM for quotes.
Just paying with GC's wont work, because to get a refund from any insurance company you need proof of payment.
Title: Re: travel insurance
Post by: BCL on February 05, 2019, 06:03:33 PM
Thank you so much to everyone who replied! Update: I contacted world nomads, and they confirmed that they will cover Pre-mature labor but not the newborn. This seemed like the best option, albeit more expensive, so I purchased. Hope to never use it...
Spoke with World Nomads and they said they don't have coverage for pregnancy.
Still looking...
Title: Re: travel insurance
Post by: oldguy on February 05, 2019, 08:56:55 PM
Spoke with World Nomads and they said they don't have coverage for pregnancy.
Still looking...
Are you looking for coverage for cancellation due to Pregnancy? or for complications during the trip?
because Allianz just confirmed that for cancellation coverage due to pregnancy (not with the Anytime policy) the passenger would only be covered if they buy the insurance before they knew she was pregnant. Put for complications during the trip it is covered like any other medical care.
Title: Re: travel insurance
Post by: BCL on February 05, 2019, 09:09:48 PM
Are you looking for coverage for cancellation due to Pregnancy? or for complications during the trip?
because Allianz just confirmed that for cancellation coverage due to pregnancy (not with the Anytime policy) the passenger would only be covered if they buy the insurance before they knew she was pregnant. Put for complications during the trip it is covered like any other medical care.
I am looking to travel with pregnant DW, and concerned about cancelling, or health complications on the trip, or even possible delivery on the trip. Can I get coverage for all that? (We know about the pregnancy, I know most insurances don't cover that. I am looking for ones that do.)
Any good suggestions?
Title: Re: travel insurance
Post by: oldguy on February 05, 2019, 11:50:08 PM
I am looking to travel with pregnant DW, and concerned about cancelling, or health complications on the trip, or even possible delivery on the trip. Can I get coverage for all that? (We know about the pregnancy, I know most insurances don't cover that. I am looking for ones that do.)
Any good suggestions?
Yes, You can book a Anytime cancellation policy (With Allianz you get back 80% but has to be done through an Agent you can PM for quotes) that would cover for any reason to cancel because of pregnancy. (there are workarounds to get full coverage even for cancellation) then as stated before during the trip you would get covered up to the max amount as any other Medical claim.
Title: Re: travel insurance
Post by: BCL on February 18, 2019, 08:03:28 PM
Has anyone had experience with travel insurance for premature childbirth (before 37 weeks)? Is it classified as "normal childbirth" or as a "complication of pregnancy"?
Title: Re: travel insurance
Post by: ExGingi on February 18, 2019, 09:50:52 PM
Yes, You can book a Anytime cancellation policy (With Allianz you get back 80% but has to be done through an Agent you can PM for quotes) that would cover for any reason to cancel because of pregnancy. (there are workarounds to get full coverage even for cancellation) then as stated before during the trip you would get covered up to the max amount as any other Medical claim.
Are you talking from experience? Allianz website specifically stated that premature childbirth isn't covered (medical expenses).
Title: Re: travel insurance
Post by: oldguy on February 18, 2019, 10:45:55 PM
Are you talking from experience? Allianz website specifically stated that premature childbirth isn't covered (medical expenses).
I had a rep confirm it with me on the phone, and had her confirm it with her supervisor, as far as i read on the policies i have made, when it excludes Premature childbirth, it's referring to the cancellation for a covered reason, not the Emergency Medical and Dental.
Actually I just looked over a policy I issued yesterday, And I saw the exact same as I stated above.
Please link to the site if you see otherwise
Title: Re: travel insurance
Post by: oldguy on February 18, 2019, 10:53:44 PM
Has anyone had experience with travel insurance for premature childbirth (before 37 weeks)? Is it classified as "normal childbirth" or as a "complication of pregnancy"?
Are you talking about cancellation? or for Emergency Medical and Dental?
Title: Re: travel insurance
Post by: BCL on February 19, 2019, 01:31:21 AM
Are you talking about cancellation? or for Emergency Medical and Dental?
For emergency medical.

I had a rep confirm it with me on the phone, and had her confirm it with her supervisor, as far as i read on the policies i have made, when it excludes Premature childbirth, it's referring to the cancellation for a covered reason, not the Emergency Medical and Dental.
Actually I just looked over a policy I issued yesterday, And I saw the exact same as I stated above.
Please link to the site if you see otherwise
I also read the online exclusion like @ExGingi. If you can get the confirmation in writing, that would be great.
Title: Re: travel insurance
Post by: oldguy on February 19, 2019, 11:24:51 AM
For emergency medical.
I also read the online exclusion like @ExGingi. If you can get the confirmation in writing, that would be great.
If you want I can send you my policy that afaik doesn't have any exclusion.
Title: Re: travel insurance
Post by: oldguy on February 19, 2019, 04:04:12 PM
Are you talking from experience? Allianz website specifically stated that premature childbirth isn't covered (medical expenses).
For emergency medical.
I also read the online exclusion like @ExGingi. If you can get the confirmation in writing, that would be great.
Can anybody show me where it says that online by Allianz by emergency medical and Dental? I only see it by trip interruption and cancellation etc.
Title: Re: travel insurance
Post by: ExGingi on February 19, 2019, 04:40:25 PM
Can anybody show me where it says that online by Allianz by emergency medical and Dental? I only see it by trip interruption and cancellation etc.

https://www.allianztravelinsurance.com/travel/family/pregnancy-travel-insurance.htm

Quote
Travel Insurance and Childbirth

You're enjoying your babymoon vacation in Cozumel when suddenly you feel the first twinge of labor. Twelve hours later, you're the proud mother of a baby girl. Will travel insurance cover the cost of labor and delivery?

No. Normal childbirth is not covered by travel insurance from Allianz Global Assistance. However, if complications arise in delivery, the costs of emergency medical care may be covered. Also, attending the childbirth of a family member can be a covered reason for trip cancellation.

While travel insurance from Allianz Global Assistance can't cover every possible pregnancy scenario, we want to do our best to help. Our Assistance team is available 24 hours a day to provide advice and aid, wherever you are in the world.
Title: Re: travel insurance
Post by: oldguy on February 19, 2019, 05:23:07 PM
https://www.allianztravelinsurance.com/travel/family/pregnancy-travel-insurance.htm
Very interesting.... It doesn't say anything like that in the policy itself, So i don't see how that would be excluded, But it's very easy to make something (especially early labor) into complications during delivery....
Title: Re: travel insurance
Post by: ExGingi on February 19, 2019, 05:37:47 PM
Very interesting.... It doesn't say anything like that in the policy itself, So i don't see how that would be excluded, But it's very easy to make something (especially early labor) into complications during delivery....

Very easy?

Is early labor really a complication? FWIU it can be perfectly normal (though untimely). I am not saying anything with knowledge or certainty, but I haven't yet managed to get a certain response that will say it would be covered.

Let me state what I tell clients when they try to pursue certain strategies involving insurance: The purpose of insurance (and hence my job) is to ELIMINATE risk. If the product you are purchasing introduces risks, or fails to eliminate the risks you are trying to eliminate in a significant way, then it's not the right product.

That being said, if one cannot find a product that will definitely eliminate the risk, and is willing to gamble the small premium on something that MIGHT cover the risk, that is a conscious choice one may legitimately make.
Title: Re: travel insurance
Post by: ponsey on February 19, 2019, 07:29:25 PM
Anyone here have experience with rental car insurance websites such as rentalcover.com or Bonzah? Instead of buying cdw coverage from the rental companies? Any other alternatives worth looking into?
Title: Re: travel insurance
Post by: oldguy on February 20, 2019, 02:08:05 AM
Very easy?

Is early labor really a complication? FWIU it can be perfectly normal (though untimely). I am not saying anything with knowledge or certainty, but I haven't yet managed to get a certain response that will say it would be covered.

Let me state what I tell clients when they try to pursue certain strategies involving insurance: The purpose of insurance (and hence my job) is to ELIMINATE risk. If the product you are purchasing introduces risks, or fails to eliminate the risks you are trying to eliminate in a significant way, then it's not the right product.

That being said, if one cannot find a product that will definitely eliminate the risk, and is willing to gamble the small premium on something that MIGHT cover the risk, that is a conscious choice one may legitimately make.
I don't see how something that's only stated on the website, and not in the policy, legally binding....
Title: Re: travel insurance
Post by: ExGingi on February 20, 2019, 05:55:24 AM
I don't see how something that's only stated on the website, and not in the policy, legally binding....
What is the policy wording? IINM Allianz policies refer to Accident or Sickness for emergency medical coverage.
Title: Re: travel insurance
Post by: oldguy on February 20, 2019, 02:10:59 PM
What is the policy wording? IINM Allianz policies refer to Accident or Sickness for emergency medical coverage.
"A maximum benefit of up to the amount listed on Your Letter of
Confirmation is provided for covered Emergency Medical or
Dental Coverage expenses incurred as a result of accidental
Injury or Illness occurring during a Trip within the Coverage
Period."

So it does say accidental, But why is premature labor not accidental?

It's not like I'm making this up, I had this confirmed with a rep that confirmed it with her supervisor, That premature birth is covered.
Title: Re: travel insurance
Post by: ExGingi on February 20, 2019, 02:33:17 PM
"A maximum benefit of up to the amount listed on Your Letter of
Confirmation is provided for covered Emergency Medical or
Dental Coverage expenses incurred as a result of accidental
Injury or Illness occurring during a Trip within the Coverage
Period."

So it does say accidental, But why is premature labor not accidental?

It's not like I'm making this up, I had this confirmed with a rep that confirmed it with her supervisor, That premature birth is covered.

Is premature labor "accidental ILLNESS" or "accidental INJURY"?

I'm not saying they won't cover, but I'm not comfortable. What is the exclusions language of the policy?

Also, what state is the policy issued in? I've seen NY policies that have an overriding rider that seems to say that whatever essential benefits are required from a Medical Plan based on the ACA are covered.
Title: Re: travel insurance
Post by: BCL on February 25, 2019, 06:23:38 PM
Has anyone had experience with travel insurance for premature childbirth (before 37 weeks)? Is it classified as "normal childbirth" or as a "complication of pregnancy"?
This is the response from iTravel Insured

We are responding to your email received on Monday, February 18, 2019, regarding benefits for your iTravelInsured® policy.

Premature childbirth is not usually categorized as a normal childbirth. Complications of Pregnancy are explicitly defined in the policy wording, but if the premature childbirth is not stated in any exclusion (as it is not typically considered as a normal childbirth), then it would be determined by the claims examiner upon review of a claim if one is submitted.

This is similar to what Allianz told me on the phone: "It would be determined based on the doctor's report if it is classified as high risk for the mother or child."
Title: Re: travel insurance
Post by: ExGingi on February 25, 2019, 07:33:15 PM
This is the response from iTravel Insured

We are responding to your email received on Monday, February 18, 2019, regarding benefits for your iTravelInsured® policy.

Premature childbirth is not usually categorized as a normal childbirth. Complications of Pregnancy are explicitly defined in the policy wording, but if the premature childbirth is not stated in any exclusion (as it is not typically considered as a normal childbirth), then it would be determined by the claims examiner upon review of a claim if one is submitted.

This is similar to what Allianz told me on the phone: "It would be determined based on the doctor's report if it is classified as high risk for the mother or child."

This is not what they told me over the phone. Was there any indication in the email regarding stage of pregnancy? Is week 37 considered premature? Or better yet, at what stage is it not considered premature? Is anything short of 40 weeks considered premature and "not typically considered as a normal childbirth"?
Title: Re: travel insurance
Post by: BCL on February 26, 2019, 07:24:13 PM
This is not what they told me over the phone. Was there any indication in the email regarding stage of pregnancy? Is week 37 considered premature? Or better yet, at what stage is it not considered premature? Is anything short of 40 weeks considered premature and "not typically considered as a normal childbirth"?

Good point. Yes, I had mentioned it was before 37 weeks. I believe 37 - 42 is considered full term.
What I take from it all, is that no one will guarantee it. My understanding is that it will be judged based on the doctor's description of risk involved in that specific incident. I think speaking with a doctor and getting their "classification" of premature birth will give some clarity.
Title: Re: travel insurance
Post by: chaaarvy on March 15, 2019, 12:37:40 PM
Can anyone recommend travel health insurance (with links) for worldwide travel? Thanks
Title: Re: travel insurance
Post by: ExGingi on March 15, 2019, 12:49:52 PM
Can anyone recommend travel health insurance (with links) for worldwide travel? Thanks
How long is the travel/trip? Some companies have a solid product, while others have great pricing. It really depends on your needs.

If it works well for you, getting a Single Trip travel policy, which also includes medical emergency, could be a great deal (just put the trip cost to minimum, unless you really want the trip cancellation and interruption coverage to cover the full amount above the minimum). For example x.co/campinsure could give you a very low cost policy with relatively high medical limits (most trip cancellation policies have lower medical limits) as long as you put the trip cost at no higher than $500. Also, IINM if purchased within 14 days of initial trip purchase, pre-existing conditions are covered.

Some policies will give primary coverage if purchased shortly after trip purchase.

Otherwise, for just medical coverage I usually go with IMG.

Keep in mind that CSR has some sort of coverage if you purchased your tickets using CSR.
Title: Re: travel insurance
Post by: chaaarvy on March 15, 2019, 01:50:04 PM
I ended up going to insuremytrip.com which is a comparison site and got coverage from IMG. $150k medical, with standard trip insurance coverage, for about $3/ day.
Title: Re: travel insurance
Post by: chayie on May 29, 2019, 04:50:23 PM
I am looking for medical travel insurance for my trip to Israel next week - going for 2.5 weeks.

Is there a list of credit cards that cover medical expenses so that I wouldn't need to buy medical insurance? And if so, would I have to have paid the taxes and fess for my award ticket with said credit card?

TIA

Sorry f if this has been answered here before. I don't have time to read hundreds of posts.
Title: Re: travel insurance
Post by: ckmk47 on May 29, 2019, 08:08:54 PM
I've seen that the credit cards have insurance for the hazards of traveling.  But poor medical insurance for the trip itself.  I bought a policy on squaremouth.com  I toggled the choices to maximize medical coverage and minimal or no other coverage because I used a CSR to book.


I was looking for medical evacuation coverage along with decent coverage for medical expenses. I'd want to get home if there was an extended illness.
Title: Re: travel insurance
Post by: Arejay on May 29, 2019, 09:40:31 PM
Is there any good annual plans available ?
Title: Re: travel insurance
Post by: oldguy on May 30, 2019, 12:17:20 AM
Is there any good annual plans available ?
Allianz has quite decent plans
Title: Re: travel insurance
Post by: SamCan on May 30, 2019, 11:55:22 AM
For Canadian readers,all VISA Infinite or World Elite MC covers its cardholders as long as they are enrolled in the provincial health plan (OHIP in Ontario).


 
Title: Re: travel insurance
Post by: greatdeals on August 05, 2019, 10:20:52 AM
looking to buy travel insurance have never bought it before
what is the best company to look for? we are a total of 10 people how
much should I expect to pay and what coverage do I need?
Title: Re: travel insurance
Post by: oldguy on August 05, 2019, 03:42:18 PM
looking to buy travel insurance have never bought it before
what is the best company to look for? we are a total of 10 people how
much should I expect to pay and what coverage do I need?
Are there any children under 18?
every situation is different, there is no 1 size fits all...
You can PM me for any specific question
Title: Re: travel insurance
Post by: ExGingi on August 05, 2019, 04:12:17 PM
looking to buy travel insurance have never bought it before
what is the best company to look for? we are a total of 10 people how
much should I expect to pay and what coverage do I need?

The first question you need to ask yourself is what coverages are you looking for, and what coverage might you already have (from CC, homeowner's insurance, medical insurance, etc.).

Common travel insurance covers trip cancellation (prior to commencement of trip) and interruption (during trip) due to covered reasons. Many policies cover for missed connections, lost or damaged baggage, baggage delay, etc. etc. And then there's the medical coverage, covering you for medical emergencies while on a trip.

Some of the coverages are secondary (they will pay whatever other coverage won't), and some are primary (they will pay first).

Run through various scenarios of things you are concerned about (the need to cancel the trip due to death or illness of one of the travelers or immediate family, G-d forbid; interruption of trip due to similar concern; medical expenses; missed connections; lost or damaged baggage; delayed baggage resulting in additional expenses; etc.) See what your exposure is in any of those scenarios (what prepaid expenses are non-refundable in such scenarios, or what additional costs might be incurred), and then you can be an educated consumer, shopping for the right coverage for you.

There are also different offerings depending on your state of residence (with NY usually having the least options, but sometimes better (mis)priced products).

It should be noted that Allianz has an excellent Annual plan that covers your entire household for an entire year. My daughter who lives OOT and comes often to NY buys it to cover her entire family for medical expenses if they should be needed when they are away from home. It will also cover international trips etc. And since it is one price that covers the entire family, it might sometimes make sense for even a single trip if it's a large family.
Title: Re: travel insurance
Post by: Luvisrael on October 24, 2019, 04:12:28 PM
Any way of purchasing travel insurance after trip has already started?
Title: Re: travel insurance
Post by: ExGingi on October 24, 2019, 04:46:23 PM
Any way of purchasing travel insurance after trip has already started?

If all you need is Medical coverage IMG will let you buy even while on the trip, for coverage starting the day after purchase.
Title: Re: travel insurance
Post by: Luvisrael on October 25, 2019, 02:59:19 AM
If all you need is Medical coverage IMG will let you buy even while on the trip, for coverage starting the day after purchase.
thank you!
Title: Re: travel insurance
Post by: shwarmabob on December 03, 2019, 12:47:36 PM
I have a trip that consist of several legs:
the first leg - the taxes were paid for by Citi Prestige before they cancelled travel insurance benefits in September.
the second leg - the taxes were paid for by Chase Ink.
The last leg was paid by airline vouchers so it has no travel insurance provided by credit cards at all.

Citi Travel benefits says:
"Trip means any pre-paid travel, tour or vacation when all or at least a portion of the cost of such arrangements was paid using Your Citi Card and/or ThankYou Points for all Covered Traveler(s).
Trip Departure Date means the date on which the Covered Traveler(s) are originally scheduled to leave on the Trip.
Trip Completion Date means the date on which the Covered Traveler(s) are scheduled to return to their point of origin or to a different final destination."

The start and end of the whole journey is the same NYC. Does this mean that the entire trip would be covered by the Citi Travel benefits? or only the first leg?
It makes a big difference
Title: Re: travel insurance
Post by: David R on December 26, 2019, 12:20:59 AM
I have a trip that consist of several legs:
the first leg - the taxes were paid for by Citi Prestige before they cancelled travel insurance benefits in September.
the second leg - the taxes were paid for by Chase Ink.
The last leg was paid by airline vouchers so it has no travel insurance provided by credit cards at all.

Citi Travel benefits says:
"Trip means any pre-paid travel, tour or vacation when all or at least a portion of the cost of such arrangements was paid using Your Citi Card and/or ThankYou Points for all Covered Traveler(s).
Trip Departure Date means the date on which the Covered Traveler(s) are originally scheduled to leave on the Trip.
Trip Completion Date means the date on which the Covered Traveler(s) are scheduled to return to their point of origin or to a different final destination."

The start and end of the whole journey is the same NYC. Does this mean that the entire trip would be covered by the Citi Travel benefits? or only the first leg?
It makes a big difference
Clever interpretation, but I don't think they'll go for it. They probably mean that the Trip Completion Date is the date on which the Covered Traveler(s) are scheduled to return to whatever destination is the final point of the Trip (using their definition of Trip), whether that final point is the point of origin or a different final destination. Therefore, Citi would only cover the first leg.

I used Citi ThankYou points to book a rental car and flight. After booking, I remembered that they removed all the travel protections, so I cancelled everything and booked with Chase points from Ink Plus on the Ultimate Rewards travel site. I paid a few cents with the Ink card and the rest with points. Am I covered? Would I be covered if I only used Chase points and did not pay any portion with the credit card?
Title: Re: travel insurance
Post by: atwnsw on December 26, 2019, 08:31:26 AM
FYI, I was born with a serious pre-existing condition that often impacts my travel arrangements.
Over the last 10+ years, I have purchased my individual trip policies from TripInsuranceStore.com which is a small
company and have filed a lot of claims over the years for tens of thousands of dollars and always been
approved.  Tripinsurancestore is a broker but will directly you to only those plans that will cover pre-existing
conditions.  The cost amounts to roughly 5% of the trip cost.  The key is documenting everything and completing
the forms in detail which is a PITA, but necessary.

I have no affiliation with them but their owner, Steve Dasseos, is a nice guy.
Title: Re: travel insurance
Post by: chinagel on December 26, 2019, 11:05:27 AM


I have no affiliation with them but their owner, Steve Dasseos, is a nice guy.
;D
Title: Re: travel insurance
Post by: dwkl on December 26, 2019, 12:24:21 PM
theirs a woman in lakewood who sells travel insurance  we send all our clients their, is very informative and very knowledgeable her tel # is 732-905-7699 leave message she generally works  evenings and nights