Trip Insurance

Jun 28th, 2010, 09:52 AM
  #21  
 
Join Date: Jan 2003
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The worrisome big ticket item is return to home base if you cannot return using commercial air. Strokes, aneurysms, MIs are all conditions that can be treated in major hospitals abroad. However, if prolonged hospitalization is necessary, especially with complex machinery helping keep you alive, unless you have something like MedJetAssist, I don't think any regular medical insurance policy or DAN will pay to bring you home.
Marija is offline  
Jun 28th, 2010, 11:30 AM
  #22  
 
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Marija, what makes you think DAN wouldn't med evac you to home if it was necessary for appropriate care? Do you know something I don't know?

My understanding is that they don't automatically med evac you to home, but to the closest appropriate facility. If the closest appropriate facility means home, that's where I understand they will send you.

I know some people want to go home if they need to be hospitalized for anything. They need to buy a policy that brings them home, like medjetassist. Others of us are fine with going to an appropriate facility, like Bumrungrad or a hospital in SIngapore, for instance.
Kathie is offline  
Jun 28th, 2010, 11:45 AM
  #23  
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The simple fact of the matter is that the type of treatment I'm getting is available at only a few places in the world. Highly unlikely that there are any in Asia. I'm on protocols for an experimental drug. There's may not be a single dose of this drug in Asia. I suspect that if there is a significant incident that DAN will bring me back to Dana Farber.
Gpanda is offline  
Jun 28th, 2010, 11:45 AM
  #24  
 
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<>

Okay, if Bob started working when he was 16, he's a minimum of 116+ right now??? He sure doesn't look it to me!

BC
bookchick is offline  
Jun 28th, 2010, 12:07 PM
  #25  
 
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I should be seething but am beyond it,lol

Aloha!
hawaiiantraveler is offline  
Jun 28th, 2010, 12:28 PM
  #26  
 
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i don't know about medjetassist or DAN but there is another consideration which is what occurred to me when I broke my foot in Japan. I was not hospitalized but was unable to continue my trip since I could not walk....My trip insurance covered the extra cost of my flight home - last minute - which came to about $1500 over and above what I had already paid for my rt ticket....
This was under the clause called medical repatriation, which the first time I called the ins. co., the rep said was only for remains. ;-) So if you think you might need to go home but have no need of hospitalization, you need to read the small print of the policy you are considering....
Mara is offline  
Jun 28th, 2010, 12:37 PM
  #27  
 
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Mara, I thought all med evac policies covered medical repatriation, but perhaps not.

From DAN's website: "Emergency Evacuation and Repatriation
Covers up to a maximum of $100,000 per person (if a Family Membership) for an emergency evacuation, or medically necessary repatriation."
Kathie is offline  
Jun 28th, 2010, 12:48 PM
  #28  
 
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Kathie, I know some policies will cover only if you require specialized inpatient care, such as a particular surgery. For example, you are out in the mountain provinces of the Philippines and break an ankle that would require placement of a pin for your ankle to properly heal, but there are no orthopods at the closest hospital to which you could be transported at the time and place of the injury.

BC
bookchick is offline  
Jun 28th, 2010, 12:49 PM
  #29  
 
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Kathie--note the "medically necessary repatriation." If you're in an appropriate hospital in Bangkok the repatriation would be for convenience not medical necessity, right?

Gpanda, in your lawyerly mode perhaps you could call DAN and find out exactly what would happen in the situation where you're getting appropriate care but far from home.
Marija is offline  
Jun 28th, 2010, 01:24 PM
  #30  
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Does anyone have a phone number for DAN?
Gpanda is offline  
Jun 28th, 2010, 01:26 PM
  #31  
 
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Kathie - I'm not even sure of the difference between medical evacuation and repatriation and it may depend on the particular policy.
This is what I got from the medjetassist site:

"Worldwide Evacuation and Repatriation
When a member becomes hospitalized as an inpatient due to an illness or injury while traveling more than 150 miles from home, either within or outside the contiguous United States, MedjetAssist will provide medical evacuation and repatriation services to the hospital of the member's choice by a MedjetAssist authorized affiliate."

It sounds like you need to be hospitalized...I find the DAN site very confusing and am not sure exactly what they cover.

My point was that you may not be hospitalized but still ill or injured enough to need to be transported home....
Mara is offline  
Jun 28th, 2010, 01:42 PM
  #32  
 
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I should clarify that I'm not at all concerned about being treated in adequate hospitals, wherever they may be, for limited periods of time. What worries me is the scenario where long term hospitalization/institutionalization may be required and commercial flights are unsuitable for repatriation.
Marija is offline  
Jun 28th, 2010, 02:00 PM
  #33  
 
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Gpanda, DAN's ph# is 1-800-446-2671 and they claim the phone lines are staffed 8:30AM-5PM in the Eastern Time zone where you presumably are now.

BC
bookchick is offline  
Jun 28th, 2010, 02:10 PM
  #34  
 
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I'll be interested in the response from DAN, as I've been thinking of switching to them.

When I broke my wrist in Switzerland I was only hospitalized overnight, but tenweb.com sent a car and driver to take me to Geneva airport, and provided the economy class tickets to get me home.
thursdaysd is offline  
Jun 28th, 2010, 02:27 PM
  #35  
 
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Andy-

I always purchase insurance when I am booking a big trip in advance. Like you, I have that "pre-existing" stigma. I worry both that a) I might not be able to go if I get some medical complication, or b) I'm in a far off land and need expensive medical treatment or evacuation.

I've had medical issues often enough (though never while traveling, so far) to know that they are a real possibility. I would not want to have to worry about money if it happened abroad.

I just bought Travel Guard yesterday for my trip to Turkey. For coverage for both of us, with $3,000 in plane tix, I got the Gold plan at $149. I can increase up my coverage later if I pre-pay for domestic airlines or non- refundable hotels.

It covers everything: cancellation due to med reasons to trip delay, lost baggage, evacuation to the "hospital of my choice" medical costs, costs of an assistant in the event I am evacuated, and much more. The cost is based on your age, home state, destination and your non-refundable costs.

They also have a "silver plan", but for $20 nearly every benefit was doubled. they also have a plan called "My Travel guard" which is an ala carte plan. Under that plan, I needed to upgrade to "additional coverage for other reasons" to get the pre-existing waiver. Even without that, the costs were higher ($199)and the benefits lower. Their Platinum plan seems to be quite high as it is designed for cruise or guided tour packages.

It wouldn't bankrupt us to lose the cost of my tickets if I have to cancel, but if I'm sick enough to cancel, I might think differently. Plus, all the medical costs, evac and other would be very nice to have if I did get hurt or ill on the trip. Just one lost bag, a flight delay that caused us to miss a connection or a night in a hotel would cover the $149 price of the plan!

As my husband likes to say, insurance is a total rip-off, until you need to file a claim.
lcuy is offline  
Jun 28th, 2010, 02:36 PM
  #36  
 
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http://www.diversalertnetwork.org/me...p/handbook.asp

link to DAN's member handbook where the emergency medical evacuation/repatriation benefits are shown....
Mara is offline  
Jun 28th, 2010, 02:36 PM
  #37  
 
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We've had Medjetassist for about five years since MP began a consulting gig in a Carribean country with questionable medical services. The operative word is "hospitalized" and that can vary depending on whose doing the diagnosis.

We also get travel insurance for each trip to cover the cost of airfare and board in case we have to cancel at the last minute. I've not checked the "pre-existing" condition clause, although I do have a PEC (never thought to read the fine print, but it's a good idea).
indianapearl is offline  
Jun 28th, 2010, 05:26 PM
  #38  
 
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Travelguard and some other insurers now offer, "cancel for any reason" insurance. That too is an option yet, you generally pay a premium for that and, last time I checked they cover only 75% of your out of pocket costs, not the entire cost. For a medical cancellation in advance of departure "regular" insurance should cover you.

And, since this is the Asia board: one thing I've noticed with most Asian carriers is a much more liberal cancellation fee and policy as compared to US carriers. Many fares are fully refundable with a penalty of $100-150. Some ultra cheap fares might not be but, others are. Searching for those also is a good option. Refundability and avoiding non refundable hotel rates is always a good thing when traveling.
tengohambre is offline  
Jun 28th, 2010, 05:48 PM
  #39  
 
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Amex charges the insurance each time you buy a ticket with your Amex card. I think they basically covered evacuation and emergency care. Sorry don't remeber the details.

Travelocity seems to have a reasonable and good trip cancellation policy. Don't know if preexisting conditions is a caveat.
Nywoman is offline  
Jun 28th, 2010, 08:57 PM
  #40  
 
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We have been relying on the Amex platinum card's evacuation insurance provision. The annual cost of the card is high, but only one of us needs to have the card and a spouse and dependent children are also covered as long as they are traveling with the card holder.

When anyone in the family takes a major international trip apart from the card holder, I purchase a policy from the insuremytrip.com website.

I always worry that Amex is going to drop this provision so I have called several times before trips to confirm that they still include it.

DAn may be a better way to go -- I don't know.
marya_ is offline  

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