vl
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Posts: 18
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Post by vl on Apr 19, 2023 13:26:03 GMT
Anyone who travel internationally, which travel insurance is the one that is good for people over 70. Also that covers, emergency medical, transportation, trip cancellation etc. I saw several that covers it. If anyone in here experienced with any carriers internationally, please share.
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Post by yakers on Apr 19, 2023 16:30:37 GMT
Used several of the popular ones, only claim was with Allianze, no problem. Now pretty much everything is covered by Sapphire Reserve card, love it for primary auto rental insurance coverage.
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Post by win1177 on Apr 19, 2023 18:09:44 GMT
Anyone who travel internationally, which travel insurance is the one that is good for people over 70. Also that covers, emergency medical, transportation, trip cancellation etc. I saw several that covers it. If anyone in here experienced with any carriers internationally, please share. I’m not sure about “over 70”, so have no knowledge there. We had an AWFUL experience with Alliance back in 2015. We were on a one week cruise in the Caribbean, our 26 year old son who has multiple handicaps (cerebral palsy, moderate ID, VP shunt from head to abdomen, seizures) developed an occluded VP shunt on day 2 (progressively worsening N/V, irritability, confusion, etc.). Being an MD myself, I was really worried that was what we were dealing with, having seen this before. Myself and the cruise physician took care of him over the next six days, as all our ports of call were “very dangerous” in terms of getting him off the ship (Several in Mexico, Belize, etc.). When we got to the Bahamas, we thought it would be “safe” to leave the ship, get medical care. Alliance “assured” me it would be the same as the US. Got off the ship, WHAT a HUGE mistake! He was hospitalized, their neurosurgeon was on “vacation for two weeks”, no backup, and the general surgeon was convinced it was “constipation”. Back and forth with Alliance about flying him to US, they refused to approve it. Finally, I bit the bullet and just paid the full airfare on an air ambulance (>62K). Fortunately, we were directly routed through air traffic on a pressurized air ambulance jet, landed in SC and sent right to our major medial center. After a quick work up, he was in the OR later that night to replace occluded shunt, which had to be run from his third ventricle (in brain) down to the right atrium of his heart (ventriculo- atrial shunt). He spent nearly three weeks in the surgical ICU, was critically ill, had a real rough time before eventually being discharged. Long story short, after it became clear that Alliance had totally screwed up in denying our flight out, they bent over backwards calling me, ultimately reimbursed me for the flight, etc., etc. Have NEVER received so many calls from “arse kissers” in my life. Afraid I was going to sue them, which I seriously considered. Even though they KNEW I was a physician, the ignored my observations and were following their “protocols”. I would avoid them myself!!! Win
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vl
Ensign
Posts: 18
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Post by vl on Apr 21, 2023 18:51:58 GMT
Thanks for the reply. Sorry to hear about the challenging things you had to deal with about your son. Yes I am concerned about which insurance is most helpful and would they pay directly to the hospital or I have to pay myself and claim it later. Especially when traveling to another country
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Post by yogibearbull on Apr 22, 2023 11:52:56 GMT
We have used Allianz for domestic and international travel, but there are several others.
We had no claims so far.
We have friends who had to tap the travel insurance. The first step is to get a denial from your regular US insurance - even when it's obvious that there is no coverage. So, have those 800 numbers and/or email contacts also handy. As with any insurance, our friends have reported mixed experiences but there weren't any foot-dragging, just some hurdles to get the coverage going. Also, all expenses may have to charged on your credit card(s) and those could be reimbursed later - in many foreign areas, immediate/upfront payments are required for treatment and it isn't illegal to turn people away.
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