Go Back  Fodor's Travel Talk Forums > Destinations > Europe
Reload this Page >

Travel Medical Insurance - is it really necessary? (Italy)

Travel Medical Insurance - is it really necessary? (Italy)

Old Jun 3rd, 2014, 07:35 AM
  #41  
 
Join Date: May 2005
Posts: 23,619
Likes: 0
Received 0 Likes on 0 Posts
Would someone (Travelhorizons?) please explain to me the meaning of a "zero-line" insurance policy? Does that mean that when asked for the total price of unreimbursable items, one writes 0? I do that, I will not be covered for loss of pre-paid air tickets, or hotels, but I would be covered for medical costs realted to the trip??


Also, I've bought Medjetassist policies in the past, but I am not familiar with Tenweb. Sounds as if Tenweb may be cheaper, so thanks, Thursday, for the recommendation..
ekscrunchy is offline  
Old Jun 3rd, 2014, 10:05 AM
  #42  
 
Join Date: Feb 2006
Posts: 27,617
Likes: 0
Received 1 Like on 1 Post
Hi eks, you're welcome.

Just to be clear, tenweb provides evacuation and repatriation but not medical, although Seven Corners, where I buy it these days, does have policies that cover all three.

I believe your understanding of zero line is correct, but I have never done it.
thursdaysd is offline  
Old Jun 3rd, 2014, 04:02 PM
  #43  
 
Join Date: Jan 2003
Posts: 2,568
Likes: 0
Received 0 Likes on 0 Posts
A change in your plans for returning home is not repatriation. Repatriation refers to the return to the US of your remains if you die while traveling.
kayd is offline  
Old Jun 3rd, 2014, 04:35 PM
  #44  
 
Join Date: Feb 2006
Posts: 27,617
Likes: 0
Received 1 Like on 1 Post
Both are repatriation. Evacuation does not get you home, it only gets you to the nearest medical facility.
thursdaysd is offline  
Old Aug 12th, 2014, 09:32 PM
  #45  
kja
 
Join Date: Dec 2006
Posts: 23,184
Likes: 0
Received 0 Likes on 0 Posts
I readily admit that I was not familiar with the Medical Traveler program, and ALL I know about it is what I just learned in a 5-minute internet search, so I could very easily be wrong and hope that others chime in. My initial observations:

I didn't see anything that indicates that you can elect to be transferred to a HOSPITAL of your choosing (let alone the city or state) -- just to the COUNTRY of your choice, which to my mind is quite a different thing.

The site I just checked said you would have the right "to receive medical care and treatment of a standard of quality comparable to that received by any patient attended by the same physician in the same facility; receive this care and treatment for the same cost; and receive skilled emergency care if you need it." Does that cover your needs? What are the minimum standards of any specific facility against which this standard would be applied?

You might want to probe your Medical Traveler program about the limits of its coverage....
kja is offline  
Old Aug 12th, 2014, 09:44 PM
  #46  
 
Join Date: Oct 2005
Posts: 73,052
Likes: 0
Received 50 Likes on 7 Posts
kja: Check reidshanerose's profile. I think she is just flogging that website . . .
janisj is offline  
Old Aug 12th, 2014, 09:56 PM
  #47  
kja
 
Join Date: Dec 2006
Posts: 23,184
Likes: 0
Received 0 Likes on 0 Posts
@ janisj -- you are probably right, and I should have checked first -- but I might have posted anyways, just because it is an important issue and so many people don't understand or think through their needs for medical insurance while traveling! From my brief peek, if I WERE a medical tourist (and I certainly have no plans for that), I sure would be purchasing very good medical trip insurance, including evacuation and repatriation!
kja is offline  
Old Aug 13th, 2014, 07:53 AM
  #48  
 
Join Date: Oct 2013
Posts: 8,045
Likes: 0
Received 0 Likes on 0 Posts
I've had another recent experience with taking a non-EU person to the emergency room in Italy. An American child visiting us showed symptoms of appendicitis on a Saturday afternoon, so we took her to the nearest emergency room. We were there for four hours, during which time they did blood tests, an ultrasound, and a visit with a doctor. She was diagnosed with mild appendicitis and put on antibiotics (which is the usual approach here if the case is not urgent). There was no charge; we were told that this was because it was code green, and code green emergency services are free even to foreigners.

Italian regions have some latitude in setting fees for services, so that may not be true in all of Italy. I've now had four occasions to bring Americans to the emergency room here; one visit resulted in an admission. All four cases required extensive testing or surgical procedures. Twice there was no charge, and twice there was a charge, but the amount was much less than the deductible on the medical insurance.

I would suggest that if someone is visiting only Italy, and no other European countries, an inexpensive policy such as those offered by your airline (or Expedia) would be sufficient.
bvlenci is offline  
Related Topics
Thread
Original Poster
Forum
Replies
Last Post
justineparis
Travel Tips & Trip Ideas
1
Feb 1st, 2018 05:55 PM
Saraho
Europe
11
May 28th, 2015 01:55 PM
mistyal
Europe
16
Jul 20th, 2011 05:33 PM
pezlie
Europe
5
Sep 8th, 2009 05:45 AM
bgr8ful
United States
5
May 21st, 2007 03:34 AM

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are On


Thread Tools
Search this Thread

Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Your Privacy Choices -