Fifis Mama
Earning My Ears
- Joined
- Aug 29, 2013
Trip Insurance - yes or no?
Trip Insurance - yes or no?
For us, yes.
The biggest thing we're interested in is the medical coverage. Many US health plans do not cover "out of country". And once you board you are "out of country". Medical evacuation from a foreign country can be super expensive, so we include that also. The other stuff: trip interruption/delay/cancellation, baggage loss/damage/delay, we figure out how much we don't want to lose if something were to go wrong and insure that much.
Oh, and 3rd party insurance is the way we go, not DCL. 3rd party insurance usually costs less and covers more.
Which 3rd Party company? I'm debating... It's just my DD and me and we leave in about 1.5 wks... There are Tropical Storms brewing... Supposedly not headed towards us, but is it worth the risk?
For us, yes.
The biggest thing we're interested in is the medical coverage. Many US health plans do not cover "out of country". And once you board you are "out of country". Medical evacuation from a foreign country can be super expensive, so we include that also.
Sorry, but what you've written here is not totally correct. It's not a *medical waiver*. It's a *pre-existing condition* waiver, and it only involves any new conditions or changes to an existing condition or the treatment of an existing condition that occurred for a period of time ("look-back period") prior to your purchase of the insurance. Usually, it's 3 to 6 months prior to your purchase of the insurance. They can't hold something that happened to you 3 years ago against you. Basically, they are trying to prevent people from buying the insurance *after* something happens that would cause them to cancel their trip or need medical care during their trip.If medical coverage is important to you, then you need to check into getting the insurance as soon as you book your trip. The reason is, the medical waiver is only included if you purchase the insurance within a certain amount of time after you booked your trip, typically 14-21 days. Otherwise, you can still get medical coverage (and other coverage), but the waiver is not included, meaning the insurance company can look into your medical records for any reason to deny your claim. With the medical waiver, the insurance company cannot look into your medical record for a reason to deny your claim. It may or may not matter, but it is something you should consider and know about since it is time sensitive.
Sorry, but what you've written here is not totally correct. It's not a *medical waiver*. It's a *pre-existing condition* waiver, and it only involves any new conditions or changes to an existing condition or the treatment of an existing condition that occurred for a period of time ("look-back period") prior to your purchase of the insurance. Usually, it's 3 to 6 months prior to your purchase of the insurance. They can't hold something that happened to you 3 years ago against you. Basically, they are trying to prevent people from buying the insurance *after* something happens that would cause them to cancel their trip or need medical care during their trip.
Also, the insurance company can't "look into your medical records". They'll only have access to records you send to them, or give them access to for the particular claim you make. Whoever treated you will need to fill out paperwork, and certify whether or not you'd been previously treated for the condition or not. They will only look into the condition that you are filing the claim for, or that you are listing as the reason you canceled your cruise.
How I explained it was how it was explained to me by an InsureMyTrip.com rep. You certainly explained it more in depth and clearly though, and I appreciate that. Thank you.
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If you buy most insurance policies withing 14-21 days of putting down your first deposit, and that policy offers a pre-existing condition waiver, then you don't have to worry about most conditions that would occur or change during the look-back period, because that condition would be waived.
Which 3rd Party company? I'm debating... It's just my DD and me and we leave in about 1.5 wks... There are Tropical Storms brewing... Supposedly not headed towards us, but is it worth the risk?
I'd list either the country I was going to be in the most, or the country where the transatlantic starts. (If that's the same country, then you're good to go!) They just want to have an idea of where you are going to be traveling, because some areas might be more expensive if there are known issues traveling there.So when it asks for what country you are visiting, what country would you put - the one you are starting with? Just wondering since I'll be traveling to Europe and then doing a transatlantic ending in San Juan.