Hi, We have to decide on travel insurance soon for our trip next year in order to avail of the preexisting clause should we have something that we are not aware of. We will go with travel guard but am deciding if we should go with travel guard plus or preferred. We are in our 60’s. Any thoughts? Thanks!
Here is a chart that compares major features. It doesn't list "plus", but it does list preferred, essential, and deluxe.
I did find this description for plus:
Travel Guard Plus
Our Travel Guard Plus Plan is for those travelers who want the most comprehensive package of travel insurance coverage and assistance services that includes Adventure Sports coverage. If you are looking for the total package that includes our highest level of medical expense coverage, plus hospital of choice, then this is the package for you! Travel Guard Plus is a factor-based priced plan that covers for carrier financial default, even trip cancellation due to job loss and other covered work reasons. If you purchase within 21 days of initial trip deposit, this plan provides a waiver for pre-existing medical conditions. Optional coverages include Cancel for Any Reason and Flight Guard® coverage.
Do you need Adventure Sports Coverage? Do you have medical insurance that covers you overseas? These might impact on whether you would really need the plus coverage.
Thanks Carol! I will look into it,
I wanted to also make sure you understand what a pre-existing condition is. Your statement, "In case we should have something we are not aware of" made me wonder. Here is short video that explains what insurance considers as a pre existing condition.
Hi Carol, thanks. I just thought that it wouldn’t hurt to do it soon to avail of it as there is no extra cost.
I guess one of the difference between plus and preferred is the emergency evacuation and repatriation. The plus has $1 million whereas the preferred has $500k. I was thinking maybe $500k should be enough.
Sally, I agree that 500k should be enough. I don't use travel insurance for my medical evacuation coverage, even though it always includes some coverage. I use Medjet. I usually travel solo and I want to know that if I am hospitalized overseas, I will be transported home, not just to nearest appropriate hospital.
The Plus plan you are looking at may have the same feature. In addition to the amount of coverage, it is wise to see what the limits on evacuation are.
We will go with travel guard
I just thought that RS works with them so most get travel guard. In our past independent travels we got squaremouth but with this covid virus and our first RS tour, we will just go with travel guard.
I just thought that RS works with them so most get travel guard.
RS, like most tour operators, get a commission when they "recommend" a certain insurance provider. Just as RS gets commissions for putting "Rail Europe" links on his website and recommends rail passes, an out dated product that seems to create more problems than it solves.
At least get quotes through Squaremouth for comparison.
We have used Travel Guard several times and had to make. skims due to illness and tour cancelations. Several times we have received every cent we were due from claims within a month.
@ Suki. It is good hear about your positive claims experience. It is helpful to get that sort of feedback.
Travel Insurance premiums and Long Term Care Insurance premiums fall into the category, "I hope this is the best money I ever waste." I'm hoping not to need to make a claim on either of them!
Not everyone has been happy with Travel Guard