any info on travel insurance

[Dznypal]

I suppose IM to late for any kind of insurance but we always thought we had medical like if you get hurt or sick while traveling with our credit card

but just found out were only covered if we get sick or hurt before we leave

any advice as we leave soon
thanks

 

[starry_solo]

Call around and see if you can get some now?

 

[motherdaughtercruisers]

Make sure you don’t get hurt on the trip!

 

[starry_solo]

Check

https://www.worldnomads.com

 

[starry_solo]

Also

https://www.allianztravelinsurance....SlToU58BBWQWzaHEKowKcmHw1-a2-DvBoC7zgQAvD_BwE

The internet is your friend...

 

[CarolynFH]

Another place to buy travel insurance is https://www.squaremouth.com/

 

[Sykes]

For travel medical insurance, do be sure to check to see if your primary medical insurance covers you while traveling. Every plan I've ever had did cover me while traveling, but that isn't true for everyone. (Notably, most US government employee plans and medicare/medicaid don't work while traveling.)

I personally still get insurance for emergency evacuation and repatriation since my medical insurance is a bit stingy in that area though.

 

[jujubiee4]

I suppose IM to late for any kind of insurance but we always thought we had medical like if you get hurt or sick while traveling with our credit card

but just found out were only covered if we get sick or hurt before we leave

any advice as we leave soon
thanks

Unless you are on your cruise right now I don't think it is too late. One time I got insurance a few days
before we left because it had slipped my mind. I dont remember who it was with though. Think i just
went to one of those compare sites mentioned here. If you are just concerned about medical look
into single trip event insurance. I remember seeing medical only.

 

[Dznypal]

Al great advice. Thanks so much. I’ve heard of the places others have mentioned. We also have our insurance broker working on this but I like to start looking this up and see what he comes up with. Thanks again

 

[Shellyred8]

Another place to buy travel insurance is https://www.squaremouth.com/

This is what we use. I love being able to compare the different companies and the different options to quickly and conveniently. The prices are usually decent. We've had a couple of trips where we had to use the insurance and the companies we ended up going with were excellent to work with.

 

[gpjacobs]

Not to hijack the thread but is this for insurance above and beyond the Disney Cruise Line Vacation Protection Plan? And what benefit do you get of purchasing additional coverage?

 

[Dznypal]

Shelly red. By chance do you remember what com you went through I know the 2 times we had to use cancellation coverage they were great. Once my DH was sick the last time my mom was placed in hospice care and everything was covered 100%

I already checked insure my trip and for just medical sounded pretty good.

 

[Mommb]

Not to hijack the thread but is this for insurance above and beyond the Disney Cruise Line Vacation Protection Plan? And what benefit do you get of purchasing additional coverage?

The Disney Cruise Line Vacation Protection Plan will cover issues that occur while on the cruise. However, that plan does not cover travel and hotels before and after the cruise, unless those were booked through Disney Cruise.

When my family does European cruises, we typically spend a few extra days in the arrival or departure city. I purchase a travel insurance policy that covers us from the time we leave home until the time we return, so that if we fall ill or are injured before or after the cruise, we are still covered. I am particularly concerned with coverage in the rare case that we are badly enough injured that we need specially arrangements to fly home -- that's the "emergency evacuation" that Sykes mentioned above.

Even for cruises from the US, I often buy other travel insurance because it is less expensive than the plan purchased through Disney Cruise Line.

The one feature that the DCL insurance plan has that most other insurance does not is that if you need to cancel the cruise and the insurance company denies the claim, you can get a voucher for 75% of the nonrefundable cruise expenses to be used on another cruise within the next year.

 

[tvguy]

For travel medical insurance, do be sure to check to see if your primary medical insurance covers you while traveling. Every plan I've ever had did cover me while traveling, but that isn't true for everyone. (Notably, most US government employee plans and medicare/medicaid don't work while traveling.)

I personally still get insurance for emergency evacuation and repatriation since my medical insurance is a bit stingy in that area though.

Same here. 40+ years of working and never had a group plan that did not cover me outside the U.S. Insurance rep said that is not uncommon since, honestly, if you get sick outside the U.S. the cost of medical treatment is probably going to be LESS than they would have to pay in the U.S. But I am on Medicare now, and it covers nothing out side the U.S., HOWEVER my private Medicare Supplement covers 80% of all medical care costs outside the U.S. So all I need is enough coverage to cover that 20% and medical evacuation if you feel you want that coverage.
Also, check what if any coverage your credit card provides and what you need to do to activate that coverage. Usually they require the entire trip to have been charged to that credit card.
And now something to check if you buy trip insurance, find out if it covers covid. Some travel medical plans now exclude any coverage for covid. At first they did that because cruise lines were covering those costs to lure passengers back onto their ships. But I think most cruise lines have ended that perk.

 

[dwg]

The only downside to not purchasing insurance within a short time of your initial deposit is that if you have a pre-existing medical condition it will not be waived. If only interested in actual cruise insurance, DCI insurance will at least give you up to a 75% credit for the part of the cruise cost not covered by insurance once you are beyond a refund. You can also have a second insurance if needed to cover other costs before and after the cruise if you feel strongly about getting coverage through DCL. Just read each policy carefully to insure that you understand the coverage and exclusions of each policy and do not be afraid to contact prospective insurance companies to ask questions and make sure their insurance meets your need. Not every travel insurance policy has the same limits of coverage or includes/excludes the same things.

 

[Shellyred8]

Shelly red. By chance do you remember what com you went through I know the 2 times we had to use cancellation coverage they were great. Once my DH was sick the last time my mom was placed in hospice care and everything was covered 100%

I already checked insure my trip and for just medical sounded pretty good.

We have used a couple of different ones from there. Berkshire Hathaway Travel Protection and Tin Leg are the couple of recent one's we've used.

 

[auntlynne]

I got travel insurance to cover evacuation and medical.

If a USAA member, it was about $80 for an annual plan for a single, aged 62. It is not for covering cruise fare, etc.

When I expect multiple trips, I just go for an annual travel insurance plan that covers all aspects, to cover the trip cost in addition to medical evacuation and medical. Just signed up for the next 12 months - $259 for me. I chose Travel Guard, part of AIG. Allianz is another name I recognize (it is what Delta offers for airfare insurance).

 

[Dznypal]

Ive started to check out the suggestions I got from all of you--I cant thank you enough
one that does seem to stand out is through insure my trip that I have read good things about
anyone use the one through them its through blue cross blue shield
called voyager choice-- it basically seems to cover where the insurance we get with the credit card doesnt

 

[Travel60]

It's not the $200 for having to see a doctor that you need to worry about (as someone said, probably cheaper outside US). It's the $60,000-$75,000 evacuation if you are very ill or badly injured and have to be evaluated back to US.

I read a story just today about a family supposed to go on Alaska cruise -i forget the line. Bought the airfare through the cruise line and were booked to come in DAY OF CRUISE. They questioned it but cruise line said it would be fine. You guessed it....late plane, they missed the cruise. $60,000. Cruise line so far has offered to reimburse flight but not cruise because they did not have insurance. This should be fun to watch.

Edited to add - found the story:
William “Kip” Thompson. In June, the family missed a $61,000 Alaska vacation they had planned, because a flight from Greensboro that Norwegian Cruise Line booked them on was canceled. Subsequently, the cruise operator kept $58,300 the family had prepaid.

https://roanoke.com › news › local

Cruise line says Thompsons should've bought trip insurance - Roanoke Times​

 

[lscrivan18]

Ive started to check out the suggestions I got from all of you--I cant thank you enough
one that does seem to stand out is through insure my trip that I have read good things about
anyone use the one through them its through blue cross blue shield
called voyager choice-- it basically seems to cover where the insurance we get with the credit card doesnt

I have Voyager Choice purchased for my cruise in October. I confirmed with my health insurance that I do not have international coverage so I purchased a medical only plan through insure my trip which ended up being voyager choice. My credit card has all the travel insurance I need for this cruise so the medical plan was perfect for us.