Author Topic: travel insurance  (Read 2643 times)

ObviouslyNotAGolfer

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travel insurance
« on: August 07, 2017, 04:45:07 PM »
My wife and I are going to Ireland for three weeks--starting next Thursday. We have excellent medical/dental insurance, but want supplemental medical/dental, as well as coverage for emergency trip cancellation, loss or theft of property, etc. We almost bought from Aer Lingus at around 60$ per person. We could still do this, but was wondering about other alternatives people here have been happy with.
I charged the air on AMEX (regular green card), so I suppose we have some basic coverage as it is.

Thanks.
« Last Edit: August 07, 2017, 04:46:59 PM by ObviouslyNotAGolfer »

CapLimited

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Re: travel insurance
« Reply #1 on: August 08, 2017, 09:00:03 AM »
Give your health insurer a call -- they may already have a program in place to reimburse you for medical expenses overseas.  If so, you probably don't need additional medical/dental.

For future reference, depending on how often you fly, it may be worthwhile to sign up for a Chase Sapphire Preferred or Reserve card.  Both have excellent trip cancellation and trip interruption insurance if you pay for the tickets with the card.

GreenSheep

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Re: travel insurance
« Reply #2 on: August 09, 2017, 12:21:41 PM »
Fortunately, I've never had to use the benefits, but I've always used IMG Global's Patriot Travel Medical Insurance. It usually costs me around $30 or so for a 2-week trip. They offer an option to pay a little bit more to be covered for things like trekking, SCUBA diving, etc. They also offer various deductibles, which change the rate, of course.

JoJo

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Re: travel insurance
« Reply #3 on: August 09, 2017, 03:39:05 PM »
I've been forgoing the travel insurance now that I have the CSR.  Note that the cap is 2,500 medical + 100,000 evacuation.  And trip is limited to 60 days or so.

yachi

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Re: travel insurance
« Reply #4 on: August 09, 2017, 03:48:28 PM »
loss or theft of property, etc.

I'm curious about this one.  How many valuables do you travel with, and what do you estimate are the chances of having them all stolen?  I don't bother to insure most of my valuables when I'm home, I really wouldn't bother with insurance for a short 3-week period.  Health insurance make sense though.

JoJo

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Re: travel insurance
« Reply #5 on: August 09, 2017, 04:45:27 PM »
loss or theft of property, etc.

I'm curious about this one.  How many valuables do you travel with, and what do you estimate are the chances of having them all stolen?  I don't bother to insure most of my valuables when I'm home, I really wouldn't bother with insurance for a short 3-week period.  Health insurance make sense though.

In my case I don't care so much about my non-hand luggage, because the're usually getting a bag of dirty clothes.  But then when I think of the replacement costs it's actually pretty high - 5+ outfits, underwear and bras, medicines, chargers, silk sleep sheet, not to mention a high quality bag ($100 or $200 depending on what bag I'm traveling with).  Easily this is $600+ replacement costs.

Non-hand luggage contains  laptop, 2 cameras, cash if not in my money belt - so $1000+.   I can see the need for theft coverage if it's cheap.

 

Wow, a phone plan for fifteen bucks!