Go Back  Fodor's Travel Talk Forums > Travel Topics > Travel Tips & Trip Ideas
Reload this Page >

Do you get international medical insurance when you travel?

Do you get international medical insurance when you travel?

Jul 8th, 2019, 04:45 AM
Original Poster
Join Date: Dec 2012
Posts: 290
Do you get international medical insurance when you travel?

I have not done this in the past but now considering. Do most of you get travel medical insurance or trip insurance when you travel? I know some is covered by your credit card but I don't think much. Wondering what the general consensus is. We're American traveling to Europe and Morocco.
JES28 is offline  
Jul 8th, 2019, 05:03 AM
Join Date: Jun 2016
Posts: 2,366
Yes, go to insuremytrip.com You can say your trip is costing 2000 and get great evac insurance from Nationwide. I have used Allianz but have bought the Nationwide policy last three trips. You can hit three and compare. I just wanted money to fly home as a client paid 24,000 to fly from Colorada to Fl recently on a medical plane to get him back to his home.
Macross is offline  
Jul 8th, 2019, 05:29 AM
Join Date: Jan 2003
Posts: 15,389
I usually don't.

However, I'm taking my niece to Europe in December and I bought insurance for the both of us. There are just too many 'what if's' this time around and I feel an added responsibility taking a 19 year old on her first trip to Europe.
Melnq8 is offline  
Jul 8th, 2019, 05:38 AM
Original Poster
Join Date: Dec 2012
Posts: 290
Thank you Macross, I just purchsed!
Melnq8, definitely. I just looked and my current health insurance doesn't cover us abroad so I don't want to take any chances!
JES28 is offline  
Jul 8th, 2019, 05:45 AM
Join Date: Feb 2006
Posts: 24,987
Did that insurance cover medical evacuation as well as treatment? And did the evacuation coverage get you (and a companion if relevant) home and not just to the nearest "suitable" facility?
thursdaysd is offline  
Jul 8th, 2019, 06:49 AM
Join Date: Jun 2004
Posts: 10,150
While you can purchase a medical evacuation policy from Medjet.com, I usually get a medical-only policy that includes both medical and evacuation coverage. If you put $0 as the trip cost, you'll get the cost to purchase just the medical portion of a travel insurance policy. I usually buy from Square Mouth and get Arch RoamRight, which is the cheapest travel policy with good coverage that I've found.
doug_stallings is offline  
Jul 8th, 2019, 09:52 AM
Join Date: Jan 2003
Posts: 92,032
I don't. But for a trip like Europe and Morocco I probably would consider it.
suze is offline  
Jul 8th, 2019, 06:42 PM
Join Date: Dec 2006
Posts: 21,098
My health insurance will cover "routine" care abroad -- not all policies do! -- so I don't buy medical coverage for the sake of medical coverage. But I do buy coverage that includes both evacuation to a hospital of my choice and repatriation of remains. I use both insuremytrip and squaremouth to research my options for each trip.
kja is offline  
Jul 9th, 2019, 03:58 AM
Join Date: Jun 2016
Posts: 2,366
I put in 2000 and pay under 130 for both of us. After the delay fiasco I had last week and out over 600 I think trip interruption is not such a bad thing now. I found the nationwide policy had the best evac and med insurance for the cost. I have great health care insurance and they will reimburse so not so much worried about that as getting home. Squaremouth is good. I also think I have reached the golden age when premiums rise. (65) We book tickets now with CSR. I didn't for the domestic flight last week and told my husband from now on that is my travel card.
Macross is offline  
Jul 9th, 2019, 09:37 AM
Join Date: Jan 2005
Posts: 17,931
I use World Nomads, but it doesn't cover preexisting conditions. I think there is also a cutoff for age limit. Underlying coverage is with Nationwide if you're based in the US.

I do have some emergency coverage overseas, so I'm mainly buying for the evacuation policy. Credit cards do cover some of the other things as well.

Last edited by mlgb; Jul 9th, 2019 at 09:39 AM.
mlgb is offline  
Jul 10th, 2019, 12:01 AM
Original Poster
Join Date: Dec 2012
Posts: 290
Doug, Great to know thank you! I will definitely try $0 in the future.
For this trip we have several inter-country flights so Im glad to have the additional but will definitely want that another time. Our flight was actually canceled on the way to the airport yesterday although it was quickly rebooked. It would have set off a wave of missed connections (flight/hotel) but It was the calmest Id ever been knowing I had coverage lol.
JES28 is offline  
Jul 10th, 2019, 12:03 AM
Original Poster
Join Date: Dec 2012
Posts: 290
Macros, what is CSR?

we did the insurance through USAA. Its secondary thru a partner but I get s discount and figure they will have our back with any problems bc theyre so good on most things. Hopefully wont have the chance to find out!
JES28 is offline  
Jul 10th, 2019, 04:49 AM
Join Date: Feb 2003
Posts: 7,620
CSR = Chase Sapphire Reserve Credit Card
schmerl is offline  
Jul 10th, 2019, 07:16 AM
Join Date: Jun 2016
Posts: 2,366
Thanks schmeel, Chase Sapphire Reserve has some of the best travel benefits. I started getting insurance when the first time I bought it I had to use it for trip interruption. My sweet Mom passed while I was in Italy and it covered my getting home, hotel and change fee. I bought it through the airline and allianz told me next time to buy through squaremoiuh or insure my trip to get more coverage for less than I paid with airline. As I get older I might just do what Doug suggest. Someone on another board said they had to cancel their trip to the US as the insurance was more than their ticket.
Because of their age they were afraid not to have some medical coverage in the US. My friend had a heart attack a week before our Scotland trip and she just had the insurance that the airline offered. It only paid for airfare. We ate the shared cost of hotels and apartments.
Macross is offline  
Jul 10th, 2019, 10:34 AM
Join Date: Jan 2008
Posts: 650
There is a narcissistic, irresponsible traveler who lives on our street. She and her equally-flaky girlfriend recently went to Venezuala without any health insurance, despite the latter's recent brain tumour diagnosis. Their shared 'magical thinking' surprised us, given the financial risk to her children (and grandchildren) if ever there'd been any long-term hospital stay and other associated costs of returning up to Canada.
I am done. The end.

Last edited by zebec; Jul 10th, 2019 at 10:35 AM. Reason: it is pronounced zee-bek, which is Klingon for 'travels with health insurance'
zebec is online now  
Jul 11th, 2019, 03:17 PM
Join Date: Jul 2019
Posts: 5
For our year long trip we used a service called SafetyWing. Unfortunately (or fortunately, depending on how you look at it), we've never had to use it so I can't speak to the quality of it.
yqiang is offline  
Jul 11th, 2019, 06:03 PM
Join Date: Jun 2016
Posts: 2,366
Zebec, my friend's mother in law was visiting her from Canada, broke her hip, had the surgery but Canada sent a medical plane into Daytona and flew her home to Toronto, cheaper than paying US medical cost at a rehab facility. My niece and nephew each cost 25.00 in Canada. Five days at five dollars. 40 and 38 years ago.
I think it is smart and cheap to get,
Macross is offline  
Jul 15th, 2019, 04:46 AM
Join Date: Jul 2013
Posts: 810
Wouldn’t consider leaving home without it. Most frequent cause of requiring medical assistance while travelling? Motor vehicle accidents. Could happen to anyone at any time anywhere.

Small group adventure companies we have travelled with require proof of insurance which includes medical evacuation.
eliztravels2 is offline  
Jul 15th, 2019, 02:53 PM
Join Date: Jul 2019
Posts: 2
I have travel insurance that came with my bank account but if I didn't I would definitely get it. Its very cheap and gives you a peace of mind.
budgettraveller19 is offline  
Jul 15th, 2019, 05:00 PM
Join Date: Jul 2004
Posts: 2,841
Regarding pre-existing, there may be an age limit, but if I recall correctly for many policies no added charge for coverage if you sign up within two weeks of making your initial payment for the trip.
Nelson is offline  

Thread Tools
Search this Thread

Contact Us - Archive - Advertising - Cookie Policy -


All times are GMT -8. The time now is 10:51 PM.