Travel Insurance

[Dovdovmoneytree]

Is the seminary offering anything?

When my daughter went they forced me to buy coverage through them for around $30/month. The advantage of their coverage was that we didn't need to pay and file for reimbursement. As a NY resident I could have purchased Allianz for ~$35 for the entire trip.

I don't know if they're forcing me to use thier insurance, I didn't ask yet but what they offered is $745 for the year (and one lump sum payment!). Was wondering if I can do better..... Need to be a millionaire for seminary!

[ExGingi]

New York
Sorry, tried replying a few days ago, the "quote" button wasn't appearing, then forgot....

If you consider $50,000 of emergency medical coverage sufficient, you can get a bargain (NY Residents only).

[Dovdovmoneytree]

If you consider $50,000 of emergency medical coverage sufficient, you can get a bargain (NY Residents only).

Thank you so much! Watch the seminary make me use their insurance (because they probably get a nice kickback  )

[shmooz]

Thank you so much! Watch the seminary make me use their insurance (because they probably get a nice kickback  )

They probably will make you buy that plan, kickbacks aside, they are familiar with the plan, the doctors may do rounds at the seminary.  the seminary is the one helping if something happens. If they need to stay on top of 100 different plans it's very difficult.

[yfr bachur]

$750 is highway robbery!
(unless its including a nurse/doctor who comes in to the sem multiple days a week...)
you can get a meuchedet student plan for about 130 shekel a month (the price rises every year and i haven't checked in a while) which will pretty much fully cover everything aside for emergency room visits that don't lead to hospitalization... (and childbirth, but that's <hopefully> not relevant  )

[SHL]

$750 is highway robbery!
(unless its including a nurse/doctor who comes in to the sem multiple days a week...)
you can get a meuchedet student plan for about 130 shekel a month (the price rises every year and i haven't checked in a while) which will pretty much fully cover everything aside for emergency room visits that don't lead to hospitalization... (and childbirth, but that's <hopefully> not relevant  )

Macabi is even cheaper

[mgarfin]

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

seems they would cover pregnancy complications

[mgarfin]

Travel insurance during pregnancy is constantly discussed here.

There are 3 types of insurance related to pregnancy

1. Trip interruption (cancellation due to pregnancy)
2. “Normal pregnancy” includes childbirth and medical expenses related to the pregnancy
3. “Complications of pregnancy” (loos of pregnancy?)

Regarding #3
Is a healthy pregnancy a pre-existing condition and would be excluded from  Emergency Medical benefits?

https://www.squaremouth.com/travel-advice/travel-insurance-for-pregnancy-squaremouth-explains-whats-covered

[Yo ssi]

Travel insurance during pregnancy is constantly discussed here.

There are 3 types of insurance related to pregnancy

1. Trip interruption (cancellation due to pregnancy)
2. “Normal pregnancy” includes childbirth and medical expenses related to the pregnancy
3. “Complications of pregnancy” (loos of pregnancy?)

Regarding #3
Is a healthy pregnancy a pre-existing condition and would be excluded from  Emergency Medical benefits?

https://www.squaremouth.com/travel-advice/travel-insurance-for-pregnancy-squaremouth-explains-whats-covered

Doesn't the link answer your question?

[ExGingi]

Doesn't the link answer your question?

The link isn't a legal, binding contract, though the information might be correct, one needs to review each contract specifically.

My recommendation in such cases where the contract states that normal pregnancy is excluded and complications are covered is to get a letter in advance of travel from the OB/Gyn certifying that the pregnancy is normal with no complications and that the woman is medically allowed to travel as far as the Dr. is concerned.

[Sammy82]

If I book a ticket on my AMEX Platinum and also buy Nationwide travel insurance (through insuremytrip.com) and my luggage gets delayed or lost, do I get to choose who I file the claim with? Obviously this is assuming that the Nationwide covers even primary.
Is it the same answer for the other benefits that both cover?

[mgarfin]

https://www.hthtravelinsurance.com/healthplans.cfm

PLEASE NOTE: Medicaid and V.A. health plans do not constitute primary health insurance because they are not defined as the first payer of medical claims.


Are HMOs as UHC through Medicaid also not defined as the first payer of medical claims?

[etech0]

https://www.hthtravelinsurance.com/healthplans.cfm

PLEASE NOTE: Medicaid and V.A. health plans do not constitute primary health insurance because they are not defined as the first payer of medical claims.


Are HMOs as UHC through Medicaid also not defined as the first payer of medical claims?

I don't know what "first payer of medical claims" means but IME if you have paid insurance plus medicaid HMO, the medicaid HMO plan is always secondary.

[ExGingi]

https://www.hthtravelinsurance.com/healthplans.cfm

PLEASE NOTE: Medicaid and V.A. health plans do not constitute primary health insurance because they are not defined as the first payer of medical claims.


Are HMOs as UHC through Medicaid also not defined as the first payer of medical claims?

As per HTH Managed Medicaid Plans (HMOs) are not considered first payer.

[monsey yid]

I lost something expensive on a delta flight, delta is very unhelpful, I have travel insurance + cc insurance where should I rather make a claim?

[Sammy82]

I lost something expensive on a delta flight, delta is very unhelpful, I have travel insurance + cc insurance where should I rather make a claim?

are u allowed to do both?

[monsey yid]

are u allowed to do both?

Sounds like insurance fraud no?

[Sammy82]

Sounds like insurance fraud no?

is it? Done insurance you could have multiple policies. Life insurance is the obvious one. Others, like health insurance you can't. IDK where this falls.

[ExGingi]

Sounds like insurance fraud no?

I don't see why it should be. But there should be an order with one being primary and the other secondary.

[Sammy82]

I don't see why it should be. But there should be an order with one being primary and the other secondary.

Some insurances specifically say secondary. Others don't. So I'm not sure.