We usually purchase the travel insurance when doing a RS tour. Next year, we are considering doing two back-to-back trips, where we'll finish one trip and immediately fly to another city to start another tour the next day. My question is, how do people handle travel insurance with that? Do you purchase one policy to cover the entire trip, or do you purchase separate policies for each trip?
Thanks
Bruce
We buy an annual travel policy from Allianz
When you price travel insurance, it's one trip. You put in the dates and the country you technically spend the most amount of time in. Look at a variety of policies. Squaremouth is a great place to start your research.
If you buy two separate policies, you might have a gap in coverage between the two tours (assuming you have scheduled a day or two or three between the tours.) What if you trip and break a bone on your “day off?” So you should buy one policy that covers all the days between the day you leave home and the day you return. One longer policy might well be less expensive than two shorter policies.
Buying an annual plan might be a good idea. I find this less expensive than individual policies and it covers me anytime I travel more than 100 miles from home for a full year. For instance, I got COVID in Philadelphia and missed a couple of pre-paid activities. My Allianz annual plan reimbursed me.
I, too, use Allianz. I buy an ANNUAL policy, not a trip by trip policy.
Social clubs, ie. ski clubs, tennis clubs, bicycle clubs, etc. that travel for activities internationally frequently have contacts with Travel Insurance Providers. That is where I got my current annual Travel Insurance Policy. Previously I got a different annual one through my Bank Credit Card. Lots of perks can appear if you investigate.
Add another person who buys the annual policy from Allianz.
I had a similar issue for my travel next year and looked into an annual policy, but it didn't cover pre-existing conditions. At my age this is a big issue. For those of you have purchased annual policies, have you found one that covers pre-existing? If so, what company.
We arranged a similar trip last year adding a couple days on our own before Best of Tuscany followed by an excursion with Backroads. In purchasing the policy we combined total costs and total days. We have purchased travel insurance through www.aardy.com (Aardy) Similar to squaremouth it allows you to review policies from multiple companies and with different levels of benefits.
Laurie Beth,
The Allianz Annual Policy covers pre-existing conditions. They have a couple of different annual policies available, depending on whether you are insuring one or two people. You would need to purchase something other than their Basic Policy.
Contrary to some postings on this thread, the Allianz annual policy does NOT automatically cover preexisting conditions. You must satisfy certain criteria in order for the preexisting condition exclusion to be waived. Nevertheless, my wife and I have an annual policy with Allianz since we take several trips every year. Better value than individual plans for each trip.
Why not call Travel Guard and ask them? They might have a way to cover the gap. Call the number given via the Rick Steves site as I believe they have a special contact number due to the connection with the tours.
The Allianz Annual policy information from their website:
Your plan may provide Pre-Existing Medical Condition Coverage if you, a traveling companion, or family member has a Pre-Existing Medical Condition. A Pre-Existing Medical Condition is an injury, illness, or medical condition that, within the 120 days prior to and including the certificate purchase date: 1, Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).
This plan waives the exclusion for pre-existing medical conditions if at least one of the following conditions are met:
I apologize for omitting these important details in my previous post. And of course, folks will want to read the fine print and reach out to Allianz or any other Travel insurance company to verify coverage.
Bruce, I must be missing something here. You are on one trip to Europe with activities that happen to include 2 RS tours. Why do you think it might be better to cover each segment of your trip separately?
I’m a 70yo resident of Washington state planning a 6-months international adventure. I recently learned that trip insurance coverage is limited to a maximum of 90-days and an annual travel policy is not allowed in Washington. Any other travelers who encountered similar restrictions that found a work around for acquiring international medical, medical evacuation and repatriation coverage. Thank you.
In response to PNWTripper - I'm also from Washington, and I just purchased an annual travel policy from Allianz. There was no problem purchasing it from Washington state, and it was surprisingly less expensive than a typical single-trip policy.
