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Travel Insurance Medical Only feedback

Heading to Spain for 5 weeks and was thinking I should get medical coverage for the time overseas. I don't need trip insurance as most of my reservations allow free cancellation. I started to go down the rabbit hole of looking at the various agencies out there that provide medical only insurance and of course there were lots of negative reviews. I am wondering has anyone had to use medical care while on vacation in Europe and what were your experiences getting the insurance company to cover the expenses?

I appreciate honest feedback.

thanks

Posted by
20161 posts

It's not exactly the same, but I have an expat policy with Alianz, who also does the sort of policy that you are looking for. They have paid every claim with no problems at all.

Posted by
913 posts

We always buy GeoBlue for our international trips. We used it for the first time this past spring when a misstep off the curb landed us in an urgent care type situation in France. We kept all the receipts and submitted them when we returned home, and were reimbursed within a few weeks.

I suppose we are really purchasing medical coverage to guard against a major medical situation. The cost of the policy we purchased was more expensive than the cost of our trip to France's version of urgent care...but none the less, it all worked as expected.

I've heard of others using Aliianz and then if you are concerned about medical evacuation, there's Medjet.

Posted by
7974 posts

I have gotten medical evac insurance from GeoBlue before and it went well, but of course, never had to use it. I generally don't get regular medical insurance since my Medigap plan covers medical emergencies.

Posted by
1245 posts

I've read good things about tripinsurancestore.com which only works with a small group of insurers that they trust to treat clients right. You might want to browse their website and give them a call.