We booked airfare for our monthlong trip in February when we had to cancel and reschedule from another trip, so we are outside the 15 day window. We want to purchase travel insurance for this trip that will cover medical, natural disaster and others, and reimburse us as much as possible for hotels and flights that are impacted. What insurance companies do you recommend?
This question is asked a lot. Using the search feature at the top of the page and narrowing down the search to less than six months I found this list to help you search: https://search.ricksteves.com/?button=&date_range=6m&filter=Travel+Forum&query=Travel+insurance&utf8=%E2%9C%93
The search feature is cumbersome but it will help you find information.
Looks at Squaremouth.com and Insuremytrip.com. There are a wide range of policies. BUT. -- read the fine print a couple of times and do not assume something is covered unless it says so in the fine print. Expect the premium to be about 10% of the total value that you are trying to insure. Natural disaster are generally not covered in most policies.
we are outside the 15 day window.
In that case pre-existing conditions won't be covered.
If you are past the pre-existing conditions window, BCBS Global Solutions formerly GeoBlue does not have a pre-existing conditions clause. It's Medical only and you can buy almost up to the time you depart (check that, I'm using last year's info). Don't forget to consider a medical evac policy. The rep at GeoBlue did not recommend their med evac saying it covers "to nearest facility."
I like to break out the costs and see whats covered already or can be done separately, its usually much cheaper - First, If you're flying a major US airline, even with a European codeshare, you can have the outstanding balance of the trip, or the entire flight cost put back onto your account for a year. This is less hassle and cheaper than what some people call 'full coverage'.
If you're covered by medicare, you should look carefully at the supplemental policy, usually it has $50,000 of overseas lifetime medical coverage, but you must pay out of pocket first.
I know others who have had claims and been paid back by GeoBlue, that's who I was using until I reached 70, then the premiums went up. I had GeoTreker policy, it was reasonable.
Check out Visa / whatever credit card, if you use it to make bookings, some things are covered.
Medical evacuation is a separate policy, some will ship you to a nearby hospital only, Medivac, what I carry, sends you from hospital to whatever hospital in your home country, it's their jets, not private. Read up on details.
I never book pre-paid hotels, so that's not an issue. Good luck!
Thanks everyone for your input! Very helpful....