<p>My D will be in South America this summer and I want to buy a travel/medical insurance policy for the duration of the trip. There are several online companies, but I have no idea who is reliable. Has anyone used a policy that they were satisfied with - the prices range from $50 to $190 for a months stay. Any suggestions would be appreciated.</p>
<p>My D spent the summer in Cusco, Peru studying Spanish. I spent a lot of time doing research on this topic - I settled on Medjet Assist - and did some checking on the reliablity of the company. This one seems to be the best of the lot and it lists its owners/investors at the website. Your normal insurance should cover everything - even if you have to get reimbursed later. This kind of insurance is really to pay for transportation in an emergency - and this company seemed to have the least restrictive policies. Good luck.</p>
<p>I did a little bit of rate comparison when buying insurance for my daughter, and the one I liked best was International Medical Group. But basically the way I decided was by figuring out what coverages were most important to me, how much coverage (in $$) I wanted, then comparing rates of several. You can get details about various IMG coverages from the worldtravelcenter.com site. </p>
<p>The problem is that I can’t really recommend them because I never actually had to use them. I can verify that after receiving payment, the company provided a written policy that clearly stated coverage, phone numbers to use to contact them from both the US and my daughter’s destination country, and an identification card. In other words, the company gave us every piece of paper we would have expected to have.</p>
<p>But my daughter didn’t get sick, she didn’t get hurt, and she didn’t lose her luggage. So we never made a claim. – it’s one thing to have insurance, it’s something else entirely to actually process a claim. </p>
<p>On the other hand, one reason I chose IMG was that they had a terrorist rider I could purchase very cheaply – most policies will exclude coverage for acts of terrorism. My daughter wasn’t a victim of terrorism either, but she was in Russia and there were several major acts of terrorism while she was there… so I suppose it was a good thing that I had insurance that would have covered her if she had somehow been exposed to that.</p>
<p>Thanks, both of you, for your help~!</p>