Travel Insurance

alooknac
Tue, 10 Jan 2017 06:26:18 +0000

I generally have travel insurance through a credit card. Had to file a claim once and while they were very exacting about the requirements (and I was relying on a faraway teenager to get me the receipts), they did pony up. This was for a delay resulting in overnight stay in hotel, extra meals, etc.

On another occasion I learned the hard way that the cc insurance only covers round trip tickets. Sometimes it works out better for me to piece together two one way tickets. After the fact an agent told me two one ways that obviously form a round trip, would qualify for insurance coverage, but I have yet to put it to the test.

If I buy a one way ticket and the add on insurance is something like $16 I buy it, usually Allianz, but haven’t had to file a claim.

I bought my D longer term Allianz insurance when she spent 3 months in Mexico as an exchange student. The pricing was still based on the plane fare but it covered the whole time from departure to arrival back home (maybe that’s always the case??).That policy covered other things besides airfare, such as medical coverage and hospital admission guarantees, etc. Agree with the recommendation to read the fine print, exclusions, etc.

When we went to Africa I bought MedJet because it had the best medical evacuation coverage. For not much more than a policy just covering our trip, I bought coverage for a year, since D attended school out of state. If she had been hospitalized at school, it would have brought her home for treatment. Medical evacuation coverage is often just to nearest hospital capable of treating the condition rather than coming back home.