Medical travel insurance

Travel Forums General Talk Medical travel insurance

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1. Posted by sanaoria (Budding Member 8 posts) 51w Star this if you like it!

I did travel a lot without medical travel insurance but now I came into the age when I feel that medical travel insurance is a must.
I would greatly appreciate if fellow travellers would give me some ideas regarding this topic

2. Posted by ToonSarah (Travel Guru 1066 posts) 51w Star this if you like it!

Travel insurance isn't just for people 'of a certain age'. We have twice had to claim (successfully) on ours due not to our own ill health but that of others. Firstly when my father in law was diagnosed with cancer and had to have an operation. My husband, an only child, didn't want his parents to have to face this unsupported so we had to cancel an expensive trip and the insurance reimbursed us for that cost. Secondly when my own father's GP indicated that he didn't have long to live so we cancelled another expensive trip so that I could be here when it happened. Again, the insurance company paid up. Incidentally, Dad was with us for over a year longer! I also claimed when I fell and broke my foot in Marrakech, which can happen at any age. So for us the investment in travel insurance has definitely been more than worth it.

3. Posted by berner256 (Moderator 1199 posts) 51w Star this if you like it!

You should consult a broker that specializes in travel insurance. There are several online; and I've used one for many years.

My interest is only in primary medical insurance and emergency evacuation coverage. I'm not interested in other forms of coverage such as trip interruption, trip cancellation, baggage loss, etc. For those, I either self-insure myself, or my credit cards provide many of those benefits.

Assuming you only need primary medical and emergency evacuation coverage, the cost can be reasonable and affordable. A good broker can explain it all to you.

I travel overseas at least six months of the year; and I'm always covered by primary medical and emergency evacuation insurance. I regard it as an essential cost of travel. I've never filed a claim.

4. Posted by ToddP (Moderator 225 posts) 51w Star this if you like it!

Travelling without a travel insurance?!?!?! That just CRAZY. I always buy an annual one which works out as a bargain...

[ Edit: Edited on 11-Dec-2018, at 02:52 by Travel Maniax ]

5. Posted by Andrew Mack (Travel Guru 1037 posts) 51w Star this if you like it!

If you're likely to travel for more than just the usual 2 week holiday per year then annual cover is definately worth looking at. If you have the odd long weekend (or more) away on top of the 2 weeks then it's usually financially worthwhile, or if you're prone to travelling on the spur of the moment then it's something less to organise before you go.

A good specialist broker will ask you about skiing, motorcycles & watersports etc and pick coverage that is appropriate, but you can do that yourself (although it becomes very boring!)

A little research online at a comparison site (moneysupermaket or any one of the many others) can get decent prices, but you will need to look at the small print to make sure it covers the activities you want to do.

6. Posted by Stefmuts (Respected Member 166 posts) 51w Star this if you like it!

I agree with Sarah, you don't have to bee of a certain age to break a leg or get an infection or food poisoning, you should Always make sure your insured on travels
I see your from Canada so I'm not sure how it workt over there, in Belgium there are comparing sites for all kind of insuranses, Canada probably has them as well

7. Posted by oddgrace (Budding Member 39 posts) 51w Star this if you like it!

Hey Sanaoria-
I too travelled without insurance for the last 15 years (except for in Africa where I wasn’t able to book overland trips or Safaris without being basically covered). My reason was simply this- I never had any valuables worth insuring and it was cheaper to go to the doctor in the countries I was in! I know, I know, sorry guys! I recognise its importance! :)
Anyway- one of my best friends was away for six months this year and not only had to get emergency flown out of Ethiopia for an infection but also managed to step on two nails hiking in Montenegro and spent two months in hospitals and surgeries through Eastern Europe (we live in NZ). Bad luck. Anyway, he had full coverage by World Nomads Insurance and they not only walked him through every step of the way and found him flights and drivers and hospitals but covered EVERYTHING. He said they were amazing and kept him sane and not broke- So I”ve decided to go with them since he recommended them so highly in a situation that was so unbelievably dreadful. Hope that helps!

8. Posted by ToddP (Moderator 225 posts) 51w Star this if you like it!

Quoting oddgrace

Hey Sanaoria-
I too travelled without insurance for the last 15 years (except for in Africa where I wasn’t able to book overland trips or Safaris without being basically covered). My reason was simply this- I never had any valuables worth insuring and it was cheaper to go to the doctor in the countries I was in! I know, I know, sorry guys! I recognise its importance! :)
Anyway- one of my best friends was away for six months this year and not only had to get emergency flown out of Ethiopia for an infection but also managed to step on two nails hiking in Montenegro and spent two months in hospitals and surgeries through Eastern Europe (we live in NZ). Bad luck. Anyway, he had full coverage by World Nomads Insurance and they not only walked him through every step of the way and found him flights and drivers and hospitals but covered EVERYTHING. He said they were amazing and kept him sane and not broke- So I”ve decided to go with them since he recommended them so highly in a situation that was so unbelievably dreadful. Hope that helps!

This is exactly why you do need to have a good insurance while travelling. You could be fine for years and then takes only one trip something wrong to happen and the entire savings of yours could disappear in front of your eyes. I know I'm slightly dramatic here, but in emergency do you worry about your health and well being first or your $/£/€? I know I am putting my health first all the time...

9. Posted by ToonSarah (Travel Guru 1066 posts) 51w Star this if you like it!

Quoting oddgrace

Hey Sanaoria-
I too travelled without insurance for the last 15 years (except for in Africa where I wasn’t able to book overland trips or Safaris without being basically covered). My reason was simply this- I never had any valuables worth insuring and it was cheaper to go to the doctor in the countries I was in! I know, I know, sorry guys! I recognise its importance! :)
Anyway- one of my best friends was away for six months this year and not only had to get emergency flown out of Ethiopia for an infection but also managed to step on two nails hiking in Montenegro and spent two months in hospitals and surgeries through Eastern Europe (we live in NZ). Bad luck. Anyway, he had full coverage by World Nomads Insurance and they not only walked him through every step of the way and found him flights and drivers and hospitals but covered EVERYTHING. He said they were amazing and kept him sane and not broke- So I”ve decided to go with them since he recommended them so highly in a situation that was so unbelievably dreadful. Hope that helps!

I'm glad you've learned this. It doesn't matter how cheap medical treatment is in the country you're visiting, because if they can't treat you and you have to be flown home that is very expensive. Plus, as your friend has discovered, a good insurance company will not only cover your costs but also help you deal with the situation. Friends of ours had to fly home in a hurry because his mother died suddenly. As you can imagine, he wasn't in a good state to organise everything like flights and connections, but the insurance company did it all. They just had to turn up at the airport the next morning at a specified time, collect their tickets from a desk for the three connecting flights needed, and they were at home that same night.

10. Posted by oddgrace (Budding Member 39 posts) 51w Star this if you like it!

Absolutely true. I think when you are younger you think only of your own health on the road - as I’ve gotten older I now recognise the importance of Insurance for all the reasons you mentioned ToonSarah and more. What if something happened to my family and I needed to get home fast? And also, what if something happened to me and they needed to get my body home? And less gruesome- this past year I had an entire four month trip planned and four days before I was leaving my restaurant was destroyed in a Cyclone and I cancelled my whole trip (no insurance). I was very, very lucky that the airlines and hotels were so sympathetic to my situation and gave me a nearly 85% refund on all things, but had I HAD insurance, I wouldn’t have had to spend countless weeks on the phone begging- it would have been covered by cancellation insurance! I’m converted! I do recommend others to be as well.