travel insurance

[Donalyn]

So, what companies do you use for your ABD Europe trips? We are booking a river cruise tomorrow and will have substantial pre and post days, so looking for different options than ABD's coverage.

Thanks

 

[fla4fun]

So, what companies do you use for your ABD Europe trips? We are booking a river cruise tomorrow and will have substantial pre and post days, so looking for different options than ABD's coverage.

Thanks

I go to insuremytrip.com first because it compares coverage from several companies. The important thing is to write down ahead of time a list of exactly what you want to cover. For example, on international trips medical coverage including medical evacuation is important to me, but on a domestic trip I wouldn’t need that. You will find that some companies lean heavily towards medical coverage while others might focus more on trip interruption and cancellation. It is important to read each one carefully before making a decision. Once I have selected the insurance company I want, I go to their website to purchase direct instead of purchasing through a third party so there is less chance of a problem should I need to make a claim.

 

[Lewisc]

Check
Pre-existing conditions terms. Many waive them if you purchase the policy within a certain number of days of your first deposit, occassionally final payment.

A broker gives you the option of getting advice if you have a claim. That's a positive, not a negative.

Does your health insurance have international coverage? Or will you be exclusively using travel insurance.

Are you purchasing refundable air? Does your airline offer usable credits if you cancel.

 

[Donalyn]

I mainly care about medical. Oldest DD has asthma and while we haven't had any issues, you never know.

 

[theMoreDisneytheBetter]

Funny, just went to make a payment today and the AbD person said that after final payment is made I can no longer add travel insurance. We don’t normally travel with it but it’s a VERY expensive trip and now I’m wondering.

2 sets of tickets are refundable but 3 are not.

What would you do?

 

[Lewisc]

I mainly care about medical. Oldest DD has asthma and while we haven't had any issues, you never know.

Make sure preexisting conditions are covered. If possible buy trip insurance with primary medical.

 

[Pinkjgray]

Delete

 

[sayhello]

I agree with everything said above. I really love insuremytrip.com, because it allows you to input all the parameters of your trip, filter by the features that are important to you, and then compare cost vs. coverage. For me, a pre-existing condition waiver is paramount, along with it being primary medical coverage. Then it becomes a look at how much is covered vs how expensive it is. And all the plans they offer are from highly rated insurance companies (A or A+ ratings). I will buy through insuremytrip.com, because they are easier to ask questions of. But once you get the policy, you can totally contact the insurance company, and it's them you will deal with directly if there are any issues during or after the trip. It's worked well for me for MANY years (over 20!).

Feel free to ask any questions you might have. I've read a TON about trip insurance, and keep up on current issues and trends. Plus I've made a few claims, too!

Sayhello

 

[lanejudy]

What would you do?

I would look into third party coverage, not the insurance offered from AbD. It's most likely better coverage and less expensive. Use the suggestions above.

 

[wdp]

If all you need is international medical coverage, we had excellent experiences with GeoBlue. Only one claim, but they made it easy and paid promptly. It wasn't very expensive; premiums depend on traveler age and length of trip.

 

[Where'sPiglet?]

I go to insuremytrip.com first because it compares coverage from several companies. The important thing is to write down ahead of time a list of exactly what you want to cover. For example, on international trips medical coverage including medical evacuation is important to me, but on a domestic trip I wouldn’t need that. You will find that some companies lean heavily towards medical coverage while others might focus more on trip interruption and cancellation. It is important to read each one carefully before making a decision. Once I have selected the insurance company I want, I go to their website to purchase direct instead of purchasing through a third party so there is less chance of a problem should I need to make a claim.

Check
Pre-existing conditions terms. Many waive them if you purchase the policy within a certain number of days of your first deposit, occassionally final payment.

A broker gives you the option of getting advice if you have a claim. That's a positive, not a negative.

Does your health insurance have international coverage? Or will you be exclusively using travel insurance.

Are you purchasing refundable air? Does your airline offer usable credits if you cancel.

I agree with everything said above. I really love insuremytrip.com, because it allows you to input all the parameters of your trip, filter by the features that are important to you, and then compare cost vs. coverage. For me, a pre-existing condition waiver is paramount, along with it being primary medical coverage. Then it becomes a look at how much is covered vs how expensive it is. And all the plans they offer are from highly rated insurance companies (A or A+ ratings). I will buy through insuremytrip.com, because they are easier to ask questions of. But once you get the policy, you can totally contact the insurance company, and it's them you will deal with directly if there are any issues during or after the trip. It's worked well for me for MANY years (over 20!).

Feel free to ask any questions you might have. I've read a TON about trip insurance, and keep up on current issues and trends. Plus I've made a few claims, too!

Sayhello

I just want to thank you for these posts. I'm traveling internationally soon (not through AbD) and I didn't even know where to begin with buying trip insurance. These three posts gave me confidence for using Insuremytrip and it made it really easy to find travel insurance.