Trip Insurance

Jul 14th, 2010, 09:26 PM
  #81  
 
Join Date: Feb 2006
Posts: 24,599
So, I can't use one arm, I'm on pain killers, I need follow-up medical care and you think I should go right on traveling? Great time for that hike in the Alps I was planning, I suppose? And later, when I needed outpatient surgery to remove the pins, I was supposed to be in the middle of a group tour of Greece (after traveling overland from Switzerland through to Romania), which would also have delayed the intensive physical therapy I needed to restore something approaching full function. No thanks.

If you're staying in one place, concentrating on shopping and eating, with good medical care available, and the trip will be over anyway in a few days, yes, it might well make sense not to go home for a broken bone, but I don't travel that way.
thursdaysd is offline  
Jul 14th, 2010, 10:26 PM
  #82  
 
Join Date: Mar 2006
Posts: 1,072
This is the lady who crashed a bike in Bali. It's hard to make the link in my post above work, you can get there. But - it doesn't tell her insurance company!
wintersp is offline  
Jul 15th, 2010, 03:12 AM
  #83  
 
Join Date: Apr 2009
Posts: 3,614
I broke my wrist and it took a plate and 9 screws to put it back together. In the wk before surgery (couldn't get into an operating rm as this happened in an ice storm and ORs were booked for a wk solid after the storm, lots of broken bones) and in the 10 days after surgery I was in excruciating pain, taking lots of oxycodone and basically just stumbling from the bed to bathroom and that was it. And I have a high pain tolerance. No way could I have been traveling around, no matter who was helping me.

Ditto when I broke my ankle. No surgery but lots of pain and a cast from just below the knee down to toes for 5 wks. No way I could have traveled w/either the broken wrist or ankle. Even if I had someone helping me.
emd3 is offline  
Jul 15th, 2010, 03:52 AM
  #84  
 
Join Date: Jan 2003
Posts: 4,148
This is the link wintersp wants:

http://www.fodors.com/community/asia...expect----.cfm
Marija is offline  
Jul 15th, 2010, 05:52 AM
  #85  
 
Join Date: May 2003
Posts: 879
David and his wife had no trip insurance

And as for insurance, we had no special travel insurance --- it was all covered by our personal policies --- we were lucky this time, although special travel insurance would have speeded up the transfer from Indonesia to Singapore significantly and would have also eased many hours, days and weeks of worry/concern over whether this really was covered under the terms of our personal policies. I'll be looking into special travel insurance on future trips.
Nywoman is offline  
Aug 5th, 2010, 03:02 PM
  #86  
 
Join Date: Jan 2010
Posts: 449
bkmk
usernameistaken is offline  
Aug 12th, 2010, 02:48 PM
  #87  
 
Join Date: Feb 2006
Posts: 24,599
I finally got back to my issue of needing more than 90 day's worth of medevac coverage (I only have FOUR weeks before I leave!). I called Traveler's Emergency Network to ask whether this scenario would work: first 90 days with them, second 90 days with Travel Assistance International (which I used last time I had this type of problem and which also has a 90 day limit), and final 21 days back with TEN - after all, if I'd gone home for the intervening 90 days they would have covered me for the second trip (I think).

The (very helpful) guy on the phone, who actually works for Seven Corners, which administers the program, found the question intriguing, but wasn't sure of the answer. However, he came up with a good alternative. My existing TEN policy doesn't expire until Oct 24th, which cuts the period I need covered to less than 6 months, and he recommended Liaison International, which Seven Corners also administers, for the six months - they offer coverage for 3, 6 and 12 months with no trip-length limit.

Liaison International provides both medical evacuation and medical repatriation, plus political repatriation, which I haven't seen elsewhere. See http://www.liaisoninsurance.com/Liai...ramSummary.pdf
thursdaysd is offline  
Aug 12th, 2010, 03:33 PM
  #88  
 
Join Date: Jan 2003
Posts: 28,926
what is the cost?
rhkkmk is offline  
Aug 12th, 2010, 04:21 PM
  #89  
 
Join Date: Feb 2006
Posts: 24,599
Standard program:

Type 3 Months 6 Months 12 Months
Single $63 $98 $277
Couple $83 $131 $369
Family $104 $162 $462

Plus $10 application fee
thursdaysd is offline  
Aug 12th, 2010, 04:32 PM
  #90  
 
Join Date: Jan 2003
Posts: 32,668
Thanks for following up with this info, thursdays.
Kathie is offline  
Aug 12th, 2010, 05:22 PM
  #91  
 
Join Date: Jan 2003
Posts: 4,148
Do those fees include the $25,000 medical coverage for trips of less than 60 days?
Marija is offline  
Aug 12th, 2010, 05:49 PM
  #92  
 
Join Date: Feb 2006
Posts: 24,599
No that's an optional extra:

Option A – Medical Coverage
(May not be purchased separately from Standard Program. Not available for trips to the United States or trips longer than 60 days)

Type 3 Months
Single $35
Couple $53
Family $70

I don't need it, & can't buy it for the 6 months coverage, so I didn't pay much attention to it.
thursdaysd is offline  
Aug 12th, 2010, 07:38 PM
  #93  
 
Join Date: Jan 2003
Posts: 28,926
looks quite reasonable
rhkkmk is offline  
Aug 12th, 2010, 08:47 PM
  #94  
 
Join Date: Feb 2006
Posts: 24,599
That's what I thought. It's the best price I've seen for that coverage (aside from DAN, and they told me they didn't cover medical repatriation). I haven't seen any mention of age, either, although the application form does ask for date of birth.
thursdaysd is offline  
Aug 13th, 2010, 09:48 AM
  #95  
 
Join Date: Feb 2006
Posts: 24,599
This is a better link than the one I posted: https://www.sevencorners.com/insuran...aveler/HWRTDEN
- turns out it's Liaison Traveler, not Liaison International that has the 3, 6, and 12 month offering.
thursdaysd is offline  

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