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Use
https://www.squaremouth.com/
http://www.insuremytrip.com/

to compare pricing and coverage option
« Last edited by mgarfin on August 30, 2023, 10:38:38 PM »

Author Topic: Travel Insurance  (Read 168542 times)

Offline Dovdovmoneytree

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Re: Travel Insurance
« Reply #580 on: August 18, 2023, 03:16:58 PM »
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!

Offline ExGingi

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Re: Travel Insurance
« Reply #581 on: August 18, 2023, 05:18:28 PM »
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).
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Dovdovmoneytree

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Re: Travel Insurance
« Reply #582 on: August 18, 2023, 05:54:31 PM »
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  ::) )

Offline shmooz

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Re: Travel Insurance
« Reply #583 on: August 20, 2023, 10:56:36 AM »
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.

Online yfr bachur

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Re: Travel Insurance
« Reply #584 on: August 20, 2023, 12:41:04 PM »
$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  ;D )

Offline SHL

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Re: Travel Insurance
« Reply #585 on: August 20, 2023, 01:04:53 PM »
$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  ;D )
Macabi is even cheaper

Offline mgarfin

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Re: Travel Insurance
« Reply #586 on: August 30, 2023, 11:12:07 PM »
allianz travel insurance
https://www.allianztravelinsurance.com/travel/family/pregnancy-travel-insurance.htm

seems they would cover pregnancy complications

Offline mgarfin

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Re: Travel Insurance
« Reply #587 on: August 30, 2023, 11:34:10 PM »
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

Offline Yo ssi

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Re: Travel Insurance
« Reply #588 on: August 31, 2023, 09:52:56 AM »
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?
_    ,
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Offline ExGingi

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Re: Travel Insurance
« Reply #589 on: August 31, 2023, 01:34:10 PM »
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.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline Sammy82

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Re: Travel Insurance
« Reply #590 on: August 31, 2023, 08:28:28 PM »
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?

Offline mgarfin

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Re: Travel Insurance
« Reply #591 on: September 08, 2023, 03:14:42 PM »
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?

Offline etech0

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Re: Travel Insurance
« Reply #592 on: September 08, 2023, 03:16:37 PM »
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.
Workflowy. You won't know what you're missing until you try it.

Offline ExGingi

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Re: Travel Insurance
« Reply #593 on: September 09, 2023, 11:34:30 PM »
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.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline monsey yid

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Re: Travel Insurance
« Reply #594 on: September 11, 2023, 07:59:50 PM »
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?
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Offline Sammy82

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Re: Travel Insurance
« Reply #595 on: September 11, 2023, 08:02:01 PM »
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?

Offline monsey yid

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Re: Travel Insurance
« Reply #596 on: September 11, 2023, 08:45:08 PM »
are u allowed to do both?

Sounds like insurance fraud no?
If you like my post give me a like!

Offline Sammy82

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Re: Travel Insurance
« Reply #597 on: September 11, 2023, 08:51:41 PM »
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.

Offline ExGingi

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Re: Travel Insurance
« Reply #598 on: September 11, 2023, 09:56:22 PM »
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.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline Sammy82

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Re: Travel Insurance
« Reply #599 on: September 11, 2023, 10:27:56 PM »
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.