Travel insurance question, where to ask?

Posted by Lulu348 (Indiana) on 11/03/24 05:43 PM

I’m not sure which forum board to ask this question. But since I’m going to London, I’ll start here.

My husband and I both will be on Medicare at the beginning of the year. We travel to London in January. I purchased the Allianz insurance from Delta gratuity pops up when you book your trip. I read the detail last night and it said medical is covered up to $50k.

Is this enough? Do you do the evacuation insurance, too? If so, does that. Over you fjr just one trip, or does it cover more trips out of the country that same year?

Thank you.

Posted by TC

Atlanta

11/03/24 05:59 PM

5184 posts

Not familar with the exact policy to which you are referring. But, most travel / medical policies have some evacuation coverage. Be sure to read the fine print. Some policies will only evacuate you to the nearest facility that can take care of you. There is a company that is strickly evac insurance (not medical care) and will (if you are hospitalized) bring you back home. The company is named MedJet assist and googling it will take you to their site. They have a number of plans (including annual plans) from which to choose. For the midical coverage, check out GeoBlue. At least I think that's the name of the company that many on the forum have used.

Posted by Johnew52

Preston UK

11/03/24 06:33 PM

1159 posts

I can’t offer much advice on travel insurance for US citizens visiting the U.K., as our health systems are so different. You must set up any insurance you need at home before you leave, preferably as soon as you book a trip.

What I would be concerned about is the level of evacuation coverage - $50K doesn’t sound enough to me if you needed to be flown home.

Posted by Kenko

Citizen of the World

11/03/24 07:22 PM

1981 posts

Medi-gap supplemental policy “G” does cover emergency medical expenses including hospitalization overseas for up to 60 days after the beginning of an international trip. Some Medicare Advantage policies offer international medical coverage. The Blue Cross/BlueShield “G+” supplemental policy covers 80% of medical expenses up to $50,000. We currently are in Medicare’s open enrollment period so you can sign up for a supplemental G policy now until January 31.

Posted by Lulu348 OP

Indiana

11/03/24 07:49 PM

1006 posts

Thank you!

Kenya, that is great info to know. Both of us will be signing up and will be getting the highest level of supplement g coverage. The agent that will be helping us should be able to assist.

Also, thank you to the lesson who me ruined medjet! I do remember that name.

DH is inclined not to get it but I’m just nit much of a risk taker. He always thinks “everything will be fine”. I say “so did the person who things happened too”, or “why wouldn’t I be the person things happen to?”

Posted by Mr É...............(Пан E ►)

Magyarország / Rep of Texas

11/08/24 08:21 AM

20087 posts

Do know that even if your US policy will cover you, that it will be a reimbursment. The odds of finding a healthcare provider in Europe that will process US insurance is next to zero.

You have a better chance of your insurance being processed by the provider if it is a known European policy, like Alizanz ... which by the way, I have, and my local provider does process for me. Never paid a cent in two years. Here is some information they sent me today: https://www.allianztravelinsurance.com/travel/insurance-101/travel-insurance-mistakes.htm?accam=F210992&utm_source=retention&utm_medium=email&utm_campaign=newsletter&utm_content=kerala&utm_term=nov2024&spMailingID=24398428&spUserID=NTg4ODA5MTkyMjc3S0&spJobID=2960388548&spReportId=Mjk2MDM4ODU0OAS2

On a happier note, even the very poor country that I live in will make you well before they ask for money. And when they do ask for money it will be a fraction of the cost of US medical care.

I also have Medicare and my suppleental will not pay over here or reimburse over here. ANd i have an evacuation policy because in many regards US care is better than what is available in much of Europe.