Additional medical insurance besides Delta Vacations package?

You'll probably get a better deal with this company:

http://www.medexassist.com/

Our own insurance does cover emergency expenses. I am more concerned about medical evacuation or illness which can get very expensive. Also, paying for the expenses upfront could be very expensive.

If your own health insurance will reimburse you for medical expenses incurred while travelling after your Delta Trip Mate insurance is exhausted, your primary issue might be medical evacuation coverage. Frankly, it doesn’t sound like Trip Mate covers much nor was worth it, unless it came with your vacation at little to no cost. I might recommend using insuremytrip as already mentioned and go with a basic yet comprehensive plan that covers everything you mentioned and a lot more. To give you an idea regarding cost, I purchased Travelex Basic for $76 last fall. If you go with a better policy, can you cancel and get a refund on your Trip Mate? Having 3 policies seems like overkill to me, but you’re not currently covered for med evacuation.

I just looked closer at the Delta policy and it is secondary to my health insurance so first I have to exhaust that before they kick in. I may buy a policy through Travelex just to cover the gap.

It does seem like overkill - unless something happens of course, and then I will be grateful for the extra insurance. The hard part is reading about people who purchase medical insurance and then are not covered for some small loophole.

That’s interesting about the Delta plan being secondary. I recall that most (maybe all) of the basic policies I considered were for primary coverage. BTW, Travelex is just one option…lots of other good options available as you’ll see on insuremytrip. Good luck!

Become a member of DAN (Diver's Alert Network). Even if you aren't a scuba diver, their membership costs only $35 a year. It provides up to $100,000 for emergency evacuation/repatriation, a 24-hour international hotline, even legal assistance, and much, much more. Check out the details here:

http://www.diversalertnetwork.org/membership/travelassist.asp