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#958479 - 04/19/16 02:14 PM Trip Insurance, especially international travel  
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markgoodrich Offline
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markgoodrich  Offline
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Austin, TX
We are going to be out of the country for three weeks, traveling by motorcycle, bicycle, and boat, on a very expensive vacation. I have researched trip insurance through credit card companies and stand alone trip insurance companies and reached some conclusions, which I share below. I am anxious to read others' comments and experiences regarding these issues.

MANY credit card travel insurance coverages are totally inadequate or misleading. The only way to know for sure is to get the company's EOB, and study it carefully. My Chase Sapphire Card (best travel card I have found) EOB is 48 pages long, Travel insurance makes up the bulk of those pages. I have divined, after careful study and meditation, that the coverage is adequate for trip insurance. However, there is no medical coverage. Medicare does not cover most (all) international medical needs, so if you are on Medicare and want that coverage you must purchase it.

First check with your primary medical coverage provider. You will likely find they offer a ridiculously expensive rider.

Second, my searches came up with very few medical-only providers, with premium expenses in the 4-6% of trip cost range. Then I found a very highly rated company, CSA csatravelprotection.com and called them. "No, we don't offer medical only coverage. Oh, wait, let me put you on hold for a moment." She came back and said to enter zero dollars in the trip cost on their Get a Quote page, and I should see a quote which would just offer their comprehensive medical coverage, and some ancillary assistance such as lost luggage. I got their EOB and again with careful study and meditation, have concluded it MIGHT be adequate. I shall endeavor to persevere in further divination of the legalese, but I believe this should satisfy my potential needs, when combined with our Medjet Assist coverage.

By way of example, CSA's complete travel insurance premium for our trip would be $1400. The trick to get medical only reduces it to $112.00.

Naturally, your mileage may vary, and you should not only ask the CSA representative detailed questions and read the EOB carefully, you should also call CSA back after studying the EOB and ask even more questions, including your original questions.

It is very, very difficult to wade through the obfuscatory language in each company's EOB, and telephone representatives often have inadequate or just wrong information.


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#958504 - 04/19/16 05:29 PM Re: Trip Insurance, especially international travel [Re: markgoodrich]  
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Mike Offline
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My wife sells it to many of her clients and, as you found, the cost can vary dramatically depending on what kind of coverage you get. It's even possible to get coverage along the lines of "I just didn't feel like going, so I canceled." As you'd guess, that's quite a bit more pricey.

While the insurers are in the business of making money, this type of coverage can be invaluable if you should suffer a serious injury or medical problem while abroad. She's had clients airlifted from ships to the mainland, treated for life-threatening conditions, and then evacuated via private jet back to the U.S.A. with an M.D. attending. The right insurance will cover this type of situation, which can involve costs running into six figures. I think you're smart to opt for it.


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#958620 - 04/20/16 02:53 PM Re: Trip Insurance, especially international travel [Re: markgoodrich]  
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Whip Offline
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Mrs Whip has us signed up for Medjet. I know people that have used it and are very impressed with the service. How does it differ from what you are looking for?


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#958621 - 04/20/16 03:04 PM Re: Trip Insurance, especially international travel [Re: Mike]  
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markgoodrich Offline
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Mike, I'd love to talk to your wife about this, and purchase through her if she has the right coverage.

If she illuminates me regarding my CC trip insurance and I decide to go for a full trip policy, I'd like to get it from her.

My number is 512-415-0692, or my email is marcosgoodrich at gmail. I have a blocker on my phone, so perhaps an email intro would be the place to start.

Thanks.


2016 R1200RT



#958622 - 04/20/16 03:11 PM Re: Trip Insurance, especially international travel [Re: Whip]  
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markgoodrich Offline
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Originally Posted By: Whip
Mrs Whip has us signed up for Medjet. I know people that have used it and are very impressed with the service. How does it differ from what you are looking for?



Larry, MedJet is great, we've had it for years and years (cheapest way to get it through AARP), but it's a one trick pony:

If you are injured or get sick while traveling, you'll need to get medical care wherever you are. MedJet ONLY arranges and pays for transportation of you and your traveling companion to your home or home hospital. A rider can be purchased to get your motorcycle shipped home, too. Chris Olson, for example used it to get home from the Unrally a couple years ago when he fell off his bike and dislocated his shoulder. In that instance MedJet put him on a commercial flight. But if you are badly injured, they'll have an air ambulance get you home or to your home hospital. It is NOT medical insurance.

Given that we'll be riding a motorcycle and then bicycles for several weeks overseas, and Medicare offers no coverage, I need medical-only insurance, assuming I do decide my credit card's trip cancellation/interruption/lost luggage/ad infinitum coverage is adequate...trip insurance alone through the CC does not provide medical coverage.


2016 R1200RT



#958987 - 04/24/16 02:09 PM Re: Trip Insurance, especially international travel [Re: markgoodrich]  
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Mark, it is our experience that medical care is remarkably inexpensive in foreign countries. We were seeing specialists for $25. My sister was looking into knee replacement in Belgium for less than $8K for everything. As risk takers, we'd not consider med insurance. As long term travelers (18 years, 6 months at a time) we've seen our share of Drs and were always amazed at how well we were taken care of for medical and dental care.


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