Travel Insurance

Last summer my wife sprained her ankle in Paris. We had Travelex Travel Max medical coverage. The medical cost came to about 650 euros. After we returned home I sent Travelex all their required information and received full reimbursement several weeks later. No follow up questions or phone calls from Travelex. Very happy with results. The best price I found was through Squaremouth.com. Hope this helps!

We've used TravelGuard and have had some claims in the past. They always paid up quickly and the claim was easy to file. Perhaps those who are unhappy with TravelGuard didn't read their policy and got a nasty surprise when they found out they weren't covered for whatever incident arose. There are three levels of coverage - silver, gold and platinum. It's a good idea to review each level or coverage and the cost and determine how much you want to pay out of pocket should something unforeseen occur.

I'm looking on the site, "Squaremouth" and after viewing all the options it looks like a company called, "Tin Leg" has gotten some very high reviews. There are good and bad reviews on all of these insurance companies and I'm trying to make the best decision. I'd hate to find out I made a bad choice if something were to happen.

Any suggestions or has anyone ever heard of "Tin Leg".......I haven't till I went on this website.

Many thanks again to the Forum !

We get our insurance through our travel agent, and the latest ones have been through Travel Insured. We were stuck overnight in London at christmas, then re-routed a bit and missed a stop. They reimbursed us $1100 with no issues!

Kim

We get our insurance through our travel agent, and the latest ones have been through Travel Insured. We were stuck overnight in London at christmas, then re-routed a bit and missed a stop. They reimbursed us $1100 with no issues!

Kim

We've had one claim with Travel Guard. They did require documentation but nothing that was not reasonable. Had a check in less than two weeks.

Another thing to consider is this. Most travel policies have medical evacuation coverage. But they USUALLY will only evacuate you to the nearest hospital than can treat you. There is a company named "Med Jet Assist" that has a number of different membership plans. It in NOT medical insurance -- just med evacuation coverage. As long as you are more than 150 miles from home, they will, if medically necessary, fly you back to your home hospital in a medical jet with medical personnel. Google them and see what you think.

I see there are a lot of not-so-wonderful reviews of Tin Leg on the Cruise Critic forum. Does the name Tin .Leg inspire you with confidence?

Never had to file a claim, but we get our travel insurance through allianz.

This could be useful https://www.consumersadvocate.org/travel-insurance/a/best-travel-insurance?gclid=Cj0KCQjwtJzLBRC7ARIsAGMkOAk4IgT8jIMoCgxHxSfHOr5bUZngrwwM1z472U0OWJPEAx8Gb5VSbaYaAsyqEALw_wcB

The issue is the fine print and you seldom read that. We have been slightly burned on two cancellation policies simply because we didn't - in both case were unable - to read the fine print. Both had to do with airline cancellation insurance purchased with the ticket. Have concluded that is a sucker play. I think the independent travel insurance is a different issuewhen you have the opportunity to see what is covered and more importantly what is NOT covered. A good rule of thumb is the more expersive the policy more that is covered. Expect a premium around 5 to 10% of covered costs. There are two types of policies - sometimes combined. Medical insurance and trip cancellation/interruption. We carried a year around medical evac policy (very cheap) that will get us home anytime we are more than 500 miles away. Then depending on the situation we may or may not take a cancellation policy. Just depends on how much cash we have at risk. Personally I would not combine the two types of insurance. Buy what you need when you need it.