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#11
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Travel Insurance?
This is from a Travelex (a primary coverage insurer) newsletter and
also applies to others that provide primary coverage. Note: there are a couple of states that specifically do not allow this type of subrogation. "Travelex Term: Primary Coverage Definition: the Company will pay first, but reserves the right to recover from any other insurance carrier with which you may be enrolled Plain Language: If and when a claim needs to be filed, file first with Travelex Insurance Services, without paying a deductible. Travelex will then go to the traveler's other insurance providers to recover any costs that may be covered by them." As you can see, using a primary coverage insurer does nothing to protect your lifetime coverage cap with the exception of those few states where this subrogation is not allowed by law. If it's a small $100 claim Traelex may decide that the time and effort required to collect under the subrogation clause in the policy is not worth it. But that amount is not a big deal in terms of a plans lifetime coverage cap. But if it's $10,000 you know they'll go after your regular insurer. |
#12
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Travel Insurance?
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#13
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Travel Insurance?
I just had an exceptionally good experience with Berkely Care. My travelling companion became ill during a recent cruise and we had to return home eight days early. I submitted the claim in mid-February and received reimbursement for all items claimed yesterday including all shipboard medical expenses. No questions asked. This was the first time that we've ever had a claim so I can't compare this experience with any other but I'll be using Berkely Care from now on whenever possible. You can't put a price on good service! My problem with the Berkeley? Care policies that I have read is that the ones sent to us by travel groups generally DO NOT have a precondition waiver, even if you book right away and provide secondary coverage. Coupled with the fact that this is one of the most expensive travel insurance companies out there, we have tended to go to Travelex or Travelguard. |
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