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Trip Insurance Prices



 
 
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  #1  
Old December 28th, 2004, 12:36 AM
DeeLeeCee
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Default Trip Insurance Prices

Has anyone used Travelex as a trip insurance carrier? Their rates are
considerably lower than others, and I'm wondering why.
  #2  
Old December 28th, 2004, 12:46 AM
its_my_dime
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It depends on what you need and what is important for you.

Look for things like: preexisting condition wavers; primary vs secondary on
luggage, etc; medical coverage (your medicare WON'T cover you if you get
hurt outside of the US with very limited exceptions) ; evacuation coverage;
carrier bankruptcy; differentials for various age groups (very important if
you are younger) and similar comparisons. In general, you may find that
Berkleycare (and its subsidiaries) distributed by groups and others is the
most expensive; while, in my experience, travelguard has an expensive policy
but it does NOT offer preexisting wavers or carrier bankruptcy.


"DeeLeeCee" wrote in message
...
Has anyone used Travelex as a trip insurance carrier? Their rates are
considerably lower than others, and I'm wondering why.



  #3  
Old December 28th, 2004, 01:45 AM
HDawson228
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My Travel Guard policy does cover preexisting conditions. This is the fifth
time I've used them.
  #4  
Old December 28th, 2004, 01:48 AM
Cruzinsure
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Has anyone used Travelex as a trip insurance carrier? Their rates are
considerably lower than others, and I'm wondering why.


You're probably looking at their TraveLite policy and in many cases it prices
out very reasonable, especially if you're insuring kids as they'll cover kids
under 16 at no additional cost.

Although Travelex has been around for years this new plan is less than a year
old. Travelex used to be a high priced insurer and I think this plan is their
attempt to appeal to a wider range of travelers.

Personally, I think the plan is under-priced. And, once they have some claims
experience/information I think a premium increase is almost inevitable. But
don't worry that you're getting a second-class company or policy along with the
low rates. They do an excellent job, their underwriter is solid and they've
been in the business for quite a while. I just think this plan is mis-priced.
It can happen when an insurer brings out a plan that's markedly different fro
their existing offerings. CSA and Travel Guard have both brought out new plans
in the last couple of years and quickly withdrawn them when it turned out they
were money-losers.

If the plan meets your needs go for it.
  #5  
Old December 28th, 2004, 02:41 AM
HDawson228
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cruiseinsure. Thanks for your contributions to this group. Your expertise is
very much appreciated.
  #6  
Old December 28th, 2004, 02:46 AM
Linsifer
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Yes. I bought it for our upcoming cruise to Alaska next year. I like that kids
are covered free on an adult's policy. It's backed by Old Republic, a very old
and high rated insurance company. They don't do as much advertising as some
travel insurance companies.

Lindsay

DeeLeeCee asked:

Has anyone used Travelex as a trip insurance carrier? Their rates are
considerably lower than others, and I'm wondering why.



  #7  
Old December 28th, 2004, 02:46 AM
Linsifer
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Yes. I bought it for our upcoming cruise to Alaska next year. I like that kids
are covered free on an adult's policy. It's backed by Old Republic, a very old
and high rated insurance company. They don't do as much advertising as some
travel insurance companies.

Lindsay

DeeLeeCee asked:

Has anyone used Travelex as a trip insurance carrier? Their rates are
considerably lower than others, and I'm wondering why.



  #8  
Old December 28th, 2004, 02:52 AM
Linsifer
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My Travelex insurance covers pre-existing conditions. I opted to buy their
premium policy--Travel Plus. We could have done fine with Travel Lite which is
considerably less expensive, but my mother won't be traveling with us and this
will cover if something should happen to her.

I've used TravelGuard and CSA in the past and both have been fine, but it looks
like TravelEx will serve our purpose better this time.

Lindsay

hdawson wrote:

My Travel Guard policy does cover preexisting conditions. This is the fifth
time I've used them.



  #9  
Old December 28th, 2004, 04:20 AM
Cruzinsure
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My Travel Guard policy does cover preexisting conditions. This is the fifth
time I've used them.


I believe the poster was referring to Travel Guard's Essential plan which does
not cover pre-existing conditions.
  #10  
Old December 28th, 2004, 04:20 AM
Cruzinsure
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My Travel Guard policy does cover preexisting conditions. This is the fifth
time I've used them.


I believe the poster was referring to Travel Guard's Essential plan which does
not cover pre-existing conditions.
 




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