Travelex and Nationwde Trip Insurance

On May 7, 8:33*pm, "Mike" wrote:
Any experience good or bad with trip insurance sold by Travelex brokers and
written by Nationwide? Am thinking of buying a policy for an upcoming trip
of 25 days to Europe.
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * *Mike

Travelex is a very good company - one of the largest in the USA. I've
been selling their products for years and my clients have always found
them to be good. I also sell products for over 13 other travel
insurance companies so my experience isn't baised by only selling one
company. The new products that they offer through Nationwide are very
competitive with products offered by the other companies and their
medical and baggage coverages are primary which is the exception
rather than the rule with travel insurance.

On May 11, 2:23�pm, bob edwards wrote:
On May 10, 8:02�pm, D Ball wrote:

I'll put in a plug for CSA Travel Protection, which promptly paid our
large claim.

Diana Ball
Austin, TX

We don't like to buy insurance until the time of final payment. �That
way we won't be out the cost of the insurance if we change our plans
between making our deposit and final payment. �We have a concern about
pre-existing conditions and have found that HRH International has a
plan which does not exclude pre-existing conditions if the insurance
is bought within 10 days of final cruise payment.
Fortunately we have not had to have any experience with their claim
processing.

CSA allows pre existing coverage at Final Payment. when others are
between the first 14-21 days after Deposit.
Although it does cost a little more then some others.
Susette
Cruise Outlets and Travel
833 Kings Hwy Woodbury, NJ 08096
856-853-9515
www.cruiseoutlets.com

On May 11, 8:43�pm, D Ball wrote:
Also CSA has a coverage plan that covers pre-existing conditions if
purchased within 24 hours of final payment. I bought that one for a
cruise last December.

--
Charles

We are last-minute bookers, and that CSA-within-24 plan is the one I
like to buy.

As a reminder to all, pre-existing conditions aren't just yours--they
are also those of your non-traveling family members. Most healthy
folks don't need pre-ex coverage for themselves, but if any of those
saying bon voyage have health issues that could cause you to cancel or
interrupt your trip in the event they escalated to grave illness or
death, then you need pre-ex coverage.


Diana

Diana
THANK you for understanding that! SO many think ONLY of theirselves
and not of the people at home. INSURANCES do not want to pay they find
angles. SO the key is to DOCUMENT anything that may happen get a
police report Doctors notes, keep receipts when Your away.
BUT if someone at home has something come up and its a health issue
YES YOU need pre existing to put a claim in. that is why 3rd party
insurances are better then most cruise lines.

But yes think of the others at HOME if they have a medical prob

Susette
Cruise Outlets and Travel
833 Kings Hwy Woodbury, NJ 08096
856-853-9515
www.cruiseoutlets.com

On Mon, 11 May 2009 16:01:37 -0700, Walt Bilofsky
wrote:

bob edwards wrote:

We don't like to buy insurance until the time of final payment. That
way we won't be out the cost of the insurance if we change our plans
between making our deposit and final payment. We have a concern about
pre-existing conditions and have found that HRH International has a
plan which does not exclude pre-existing conditions if the insurance
is bought within 10 days of final cruise payment.

For most plans to cover pre-existing conditions, you need to buy the
insurance within 10 or 14 days of the first payment.

TravelGuard told me that the way to handle this is to buy the minimum
amount of insurance within that period, and then pay up to increase
the policy limit when you make the later payment(s).

How is this handled when one uses the NCL plan of prepayment? I paid
them while ON the cruise and the money paid results in a US$100 on
board credit for each deposit made, up to 4 of them, for the cruise
one is on. Each deposit also serves as the FULL deposit for a future
cruise, which must be signed up for and taken sometime in the next 2.5
years... so technically first payment has already been made but the
cruise has not yet been booked or chosen, and may not be chosen or
book for up to two years! Rather difficult to cover pre-existing
conditions if you need to buy within 2 weeks of making that payment
while on a cruise!

Also, I am in Canada so in most instances U.S. insurance is NOT
available to me. Any suggestions about who is best for Canadian
travellers looking for cancellation and medical insurance for out of
Canada travel?

FWIW,

RsH