Do You Need Travel Insurance?

Travel insurance can be an inexpensive way to protect yourself and
your children in case of an emergency. In addition, some insurance
companies provide services with their plans that include round-the-
clock support during unexpected emergency situations.It's on You!

http://blentoo.com/travel-insurance

On Dec 16, 3:13 pm, Roger Callen wrote:
Travel insurance can be an inexpensive way to protect yourself and
your children in case of an emergency. In addition, some insurance
companies provide services with their plans that include round-the-
clock support during unexpected emergency situations.It's on You!

http://blentoo.com/travel-insurance

If you are contemplating purchasing travel insurance, be sure to read
the policy carefully so you know what is and what is not coverage.
Last
spring I missed a flight because a snow storm had caused the DOT to
close the highways. When I tried to collect on the insurance, I was
told
that it was NOT covered. An expensive lesson. Remember, the big print
giveth and the small print taketh away.

Gerry

"Gerry" wrote in message news:b0bbf34e-8c6d-40b1-aad2-
If you are contemplating purchasing travel insurance, be sure to read
the policy carefully so you know what is and what is not coverage.
Last
spring I missed a flight because a snow storm had caused the DOT to
close the highways. When I tried to collect on the insurance, I was
told
that it was NOT covered. An expensive lesson. Remember, the big print
giveth and the small print taketh away.

Gerry

Who was the policy with?

--
Greg

(Gerry) wrote:

If you are contemplating purchasing travel
insurance, be sure to read the policy carefully
so you know what is and what is not
coverage.

For someone my age, most insurance policies have a 3 month "exclusion"
clause for health problems. ...If you're over 80, it jumps up to 6
months.

A good point to remember is: If you go to the Dr. during this 3 month
time period, make sure you inform him not to write anything down, in so
far as any medical condition which could arise during the cruise.
IE: don't have him officially change any prescription strengths... For
example: if the Dr. raises your blood pressure prescripton, and you have
a heart attack while on the cruise, the insurance company won't pay,
'cause they'll say your "unstable" BP may have been the contributing
factor towards causing your heart attack.

And rest assured... The insurance companies "do" check out your medical
history... And "they will" grasp at any straws.

I had a kidney stone come down on the last night of a cruise... The
cost was $4,500. ...But had I needed an operation, it probably would
have been $45,000 -- or more.

Unfortunately, most people think that because they buy travel insurance,
they're covered -- no matter what. And the insurance brokers aren't
going to tell you differently; all they want is your money. ...Jon

wrote:

For someone my age, most insurance policies have a 3 month "exclusion"
clause for health problems. ...If you're over 80, it jumps up to 6
months.

According to my TA, if you buy the insurance policy within 2
weeks of booking the cruise, the pre-existing clause does not
apply. It might only apply to the type he sells (TravelGuard, I
think, no time to find it at the moment).

Bill

Bill wrote:
wrote:
For someone my age, most insurance policies have a 3 month "exclusion"
clause for health problems. ...If you're over 80, it jumps up to 6
months.

According to my TA, if you buy the insurance policy within 2
weeks of booking the cruise, the pre-existing clause does not
apply. It might only apply to the type he sells (TravelGuard, I
think, no time to find it at the moment).

Many travel insurance policies will cover pre-existing conditions as
long as you buy it within the proper time frame. Some are just a few
days, others up to 2 weeks after you make your deposit. There are one or
two companies where you can get pre-existing coverage just before final
payment, but those are usually much more expensive.

Anyone who is interested can check this out at insuremytrip.com.

sue

Never used to get travel nsurance,but since getting older we now will
not cruise without it,our medical coverage does not include outside the
u.s.a.,so it is necessary for us in case of emergency.


cruise lover

The cow and I like Access America(we are both seniors and a mess)
"Surfer E2468" wrote in message
...
Never used to get travel nsurance,but since getting older we now will
not cruise without it,our medical coverage does not include outside the
u.s.a.,so it is necessary for us in case of emergency.



cruise lover

clint wrote:

The cow and I like Access America(we are both seniors and a mess)

So they cover livestock (pig and cow)? Nice.

Bill

I believe that Medicare doesn't cover anyone outside the US.

"Surfer E2468" wrote in message
...
Never used to get travel nsurance,but since getting older we now will
not cruise without it,our medical coverage does not include outside the
u.s.a.,so it is necessary for us in case of emergency.



cruise lover