Trip Insurance

Jun 29th, 2010, 12:01 AM
Join Date: May 2004
Posts: 7,282
Andy, if you require cover for repatriation in the event of a medical emergency it is essential that you check with the insurer before purchase whether you will be covered for any pre existing conditions. The provisions written into most, if not all policies require the policy holder to full disclose all relevant information regard all persons covered by the policy. If this is not done then almost certainly the policy will be regarded as null and void and would probably not cover accompanying passenger either. The cost of replacing tickets will be minimal when compared with the costs of a medical repatriation which can run into tens of thousands of $$.

There are many specialist providers in the UK that provide access to cover (at a price) although, for a number of reasons, our travel insurance market is a lot more developed than the US. If you google the subject you will get loads of results in the UK but maybe a similar US search will yield results:

crellston is offline  
Jun 29th, 2010, 01:37 AM
Join Date: Jul 2004
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I may be out of date but 2 years ago when I was adding a few thousand dollars in trip insurance on to a $$15k+trip to get $150k med. and 1 million evac to hospitl of choice and then return home when recovered through travelGuard Icontacted dan. The representatibe told me those atractive coverages were ONLY in affect for a diving or snorkel related injury. I pressed her and whar she sent me then supported that. therefore a heart attack at dinner was not a cobered condition unless i had been diving.snorkeling that day and reported some affect from that activity.
StanKase is offline  
Jun 29th, 2010, 04:57 AM
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lcuy, that seems very reasonable
rhkkmk is offline  
Jun 29th, 2010, 05:35 AM
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Stan, the med evac insurance provided by DAN as a benefit of membership covers ALL illnesses and accidents. The optional insurance available through DAN covers only diving related illnesses and injuries. It can be a bit confusing.
Kathie is offline  
Jun 29th, 2010, 09:19 PM
Join Date: Oct 2006
Posts: 371
As the years pile on--and as we've had different friends and family have a variety of experiences where trip insurance was essential, we've started getting it for trips to more distant locations (Vietnam, Cambodia, South Africa, Botswana, etc.) Medical evacuation is likely to be the most expensive possiblity, and just about all comprehensive travel policies cover it; if anyone is on medicare, it will not cover any health/illness/injuries occuring internationally and neither, then, will one's supplemental insurance so having some kind of medical coverage for us is essential. provides the most comprehensive information on travel insurance of any of the sites giving comparative information and also provides a zero complaint rating evaluation.

Generally, the pre-existing condition qualification is based on buying the insurance w/i a specific time limit after making the first deposit on a trip. Frequent flyer fees are considered a deposit. The definition of pre-existing condition, however, in most travel policies differs substantially from those in most traditional health insurance policies--and, surprisingly, it is much looser in that if one has had a medical condition for some time and has been receiving treatment and taking medication for it for some time, AND the condition is stable and has NOT changed for a specific period (usually 60 to 120 days) before purchasing travel insurance it is NOT considered a pre-existing condition. So there is more leeway than generally understood.

Some of the other considerations that I don't believe have been mentioned in this discussion are that trip insurance can cover situations like the cost of delays caused by the volcanic eruptions in Iceland, or strikes, or illness of a family member that prevent one from travelling, and a number of the kinds of situations that have occurred over the past few years that couldn't have been foreseen.

Gpanda your situation is very specific and I suggest that if you haven't already decided on a company that you check out as it is very thorough.
520 is offline  
Jun 29th, 2010, 11:56 PM
Join Date: Jul 2004
Posts: 2,771
Katie; Are you saying if you are a DAN member, some $50/yr., and you take out extra medical evacuation insurance and your trip is a total land voyage, no diving or snorkeling, to Thailand and in a town 75 miles north of CM you have a stroke you can be covered by the $50k medical and $250K medical evacuation plan coverage? If so, I was miss-lead by the DAN rep. because they said that wiould not be covered.
StanKase is offline  
Jun 30th, 2010, 12:56 AM
Join Date: Jun 2003
Posts: 2,750
DAN offers two categories, Dive Accident Insurance presumably for dive related issues and Trip Insurance that need not be dive related. I believe the maximum on the latter is $40,000, but I may be misreading it.

This is separate from the "TravelAssist" benefits that are automatically part of a DAN membership. These include
"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."

As I understand it, once you are evacuated to an appropriate hospital your local medical insurance takes affect.
marmot is offline  
Jun 30th, 2010, 04:55 AM
Join Date: May 2005
Posts: 21,897
I bought MedJetAssist before my last trip and I think that is what you need to do. As far a I know, it is the only policy that will evacuate you to the hospital of your choice. < I am curious if Platinum Amex does this(??)>

This is more important for you than losing the price of the airfares if you need to postpone the trip.
ekscrunchy is offline  
Jun 30th, 2010, 04:58 AM
Join Date: Feb 2006
Posts: 24,599
"As I understand it, once you are evacuated to an appropriate hospital your local medical insurance takes affect."

So does the DAN benefit-of-membership emergency evacuation insurance just get you to a hospital, or will it get you from a foreign hospital to your home or home hospital? E.g would it have flown me home from Switzerland when I broke my wrist?
thursdaysd is offline  
Jun 30th, 2010, 05:34 AM
Join Date: Jan 2003
Posts: 4,147
Thursdaysd, that's the part I don't understand. There are two components, evacuation and repatriation. DAN make it very clear that in the case of an emergency they will transport you to the nearest adequate facility, based on medical considerations.

DAN TravelAssist will not pay Transportation to
transport the Member or Covered Family Member
to their place of permanent residence if there are
closer medical facilities which are capable of
attending to the Member’s medical condition.

Then there is language about "medically necessary repatriation," which is vague:

Repatriation means that, due to Medical
Necessity, the Member or Covered Family
Member requires transportation to either:
• the person’s primary residence as listed in the
DAN database; or
• the region where the member is living and/or
working at the time of the injury; or
• a different medical facility for further care or

Medical Necessity includes any situation where
it is judged medically appropriate to move the
Member to another location either for treatment
or follow-up.

A generous interpretation of the repatriation would be that it's always medically appropriate to move a stable patient to a facility closer to home for treatment or followup, though not always necessary.

My guess is that's not the interpretation the insurer would favor. It's probably the case that DAN will not clarify the policy in writing and that any verbal assurances from agents have no merit. It's cheap so we're members but I'm not sure if it's enough now that we've dropped the Amex Platinum Card.

What do the lawyers here say?
Marija is online now  
Jun 30th, 2010, 05:45 AM
Join Date: Jan 2003
Posts: 32,668
Stan, as a member of Dan you have $100,000 of med evac insurance any time you are more than 50 miles from home. period. No medical insurance is involved in the membership, only med evac. I expect you were asking their rep about the medical insurance they offer.

My understanding (from a case I know about) is that DAN takes you to the nearest appropriate medical facility (for much of SE Asia, that would mean a hospital in Bangkok or Singapore). If necessary, they may also send you home. The case I know of was one in which the woman broke her ankle in Nepal. They flew her and her husband to Bangkok for surgery, then flew them home as they could not continue their trip.

However, I note that the wording says Medical evacuation OR repatriation, so it's possible it may have changed. Call them if you have questions. I've had excellent telephone assistance from them. Do be specific about what you are inquiring about - the TravelAssist which is part of membership or the insurance.
Kathie is offline  
Jul 5th, 2010, 07:06 PM
Join Date: Feb 2005
Posts: 1,025
I'm one of the worried well who takes out trip insurance and uses InsureMyTrip online. In Andy's situation, I'd definitely pay the premium and think of it as part of the trip cost, like boarding the dog, I mean Panda. My personal equation is that peace of mind is worth the cost of the insurance; someone else might have a different calculus. DH and I had to cancel an expensive ski trip because of an eye injury that precluded me flying. Travel Guard covered the full cost of the fully prepaid hotel and air, more than many premiums combined.
One thing I recently learned is that you can buy a small amount of insurance within the 14 days of initial purchase of any part of a trip and later call InsureMyTrip and increase the insurance. So you don't need to know all the costs you want to insure up front.
Robbietravels is offline  
Jul 6th, 2010, 05:31 AM
Join Date: May 2004
Posts: 371
We've been using STA Travel insurance for many years now (we're both over 60). We've submitted only one claim (non-medical) and had no problems at all. They are less expensive than the well known travel insurances and their pre-existing exclusion is much more liberal (see item #1). The following is from the STA brochure:

The Pre-Existing Condition exclusion will be waived provided you meet all of the following:

1. the payment for this plan is received prior to/or within 24 hours of your final payment for your Covered Trip; and

2. you are not disabled from travel at the time you make your plan payment; and

3. you insure 100% of all prepaid Covered Trip costs that are subject to cancelltion penalties.

But read the fine print to see if it is the right policy for you. Good luck!
ovenbird is offline  
Jul 6th, 2010, 05:51 AM
Join Date: Jan 2003
Posts: 4,147
STA travel used to be a great deal when the rates were the same regardless of age. We've used them several times for insuring safaris. Unfortunately STA now takes age into account when calculating rates.
Marija is online now  
Jul 6th, 2010, 01:54 PM
Join Date: May 2004
Posts: 371
Marija, that's true about STA but I still think it's a good deal especially given its liberal pre-existing waiver clause. We are 62 and 65 and just paid $226/person for an upcoming 4 week trip to Colombia which is costing us about $10K each. Comparable policies at start at twice what we paid.

You're so right about STA being a great deal when the rates were not age dependent!
ovenbird is offline  
Jul 6th, 2010, 07:03 PM
Join Date: Jan 2003
Posts: 28,926
am i the only one who self insures?
rhkkmk is offline  
Jul 10th, 2010, 08:56 PM
Join Date: Oct 2006
Posts: 371
how do you self insure for an international trip?
520 is offline  
Jul 11th, 2010, 01:25 AM
Join Date: May 2005
Posts: 21,897
And why does no one else think Met Jet Assist is a good idea, since it does fly you home?
ekscrunchy is offline  
Jul 11th, 2010, 03:35 AM
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Posts: 4,147
Med Jet Assist is an excellent idea but it costs a lot more than the other options. Dan is $55 for a family for a year while Med Jet Assist is $385. Surely as someone who orders fractions of a duck and virtual apertifs you value thrift.

Did anyone call DAN to get answers?
Marija is online now  
Jul 11th, 2010, 03:35 AM
Original Poster
Join Date: Mar 2003
Posts: 6,664
One self-insures by not buying trip insurance. For our Hong Kong Trip, we did not buy insurance. The hotels are partially refundable and we figure we can get a refund from the airline with maybe a relatively small charge. Didn't make sense to pay for insurance.
Gpanda is offline  

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