<p>I am wondering if anyone has purchased travel insurance for semesters abroad (gap years). One of my children will be in India this fall. The program liaison has offered two policy choices through Access America. If anyone has any experience with this company or any others, I’d love feedback.</p>
<p>We did for son on a microsoft/university internship. Jan 2008. Banguluru. Thru a subsidiary of AIG, major medical plus airplane delay. It was inexpensive about $40/mn. In hindsight, I doubt that MS and the University would put their employees and students in much danger and would provide whatever is necessary. But you never know, that’s why its called insurance.</p>
<p>These cost a bit more: I think there are two levels, one at 235 and one at 335 (for 3 months). The lower one looks like plenty of coverage so that was the one I was going to opt for (e.g., 500,000 medical evacuation versus 1,000,000; 1000 lost luggage versus 1500; etc.)</p>
<p>I think that luggage is limited to 1-20kg bag (maybe 40 lbs). Not much you can stuff in a bag of this size that’s worth $1500. Good experience to get out and do some shopping for local stuff. </p>
<p>Best to have a Blue Cross/Blue Shield (or other companies) local medical insurance that will also pay internationally.</p>
<p>We used IMG.</p>
<p>**OP: I just tried to respond to your PM, but was told that you weren’t able to receive any. If you PM me your email address, I’ll be happy to respond that way!</p>
<p>On a related note, I had a good experience with STA travel insurance. It came highly recommended by the organization who sponsored my travels + others with relevant knowledge. The only other person I knew who used STA said that he had to jump through a lot of hoops to make a claim, but my experience was fine.</p>
<p>Son got sick at the Taj Mahal. Retired general’s bed and breakfast. His troop had a doctor visit son, 20 rupees including medicine? or maybe it was 20 USD including pills. He came back with all organs that he left with, no weight loss/gain.</p>