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Travel Insurance #278218
03/20/2022 10:01 AM
03/20/2022 10:01 AM
Joined: Jul 2005
Posts: 259
42.99N 76.46W
jmon Offline OP
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jmon  Offline OP
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Joined: Jul 2005
Posts: 259
42.99N 76.46W
I see travel insurance is required for COVID-related issues. Wondered if charters are using regular health insurance or going to outside insurers.


Jeff

Tug William B
[Linked Image]
BVI Sponsors
Re: Travel Insurance [Re: jmon] #278219
03/20/2022 10:08 AM
03/20/2022 10:08 AM
Joined: Jan 2005
Posts: 1,460
Finger Lake Region
crmoores Offline
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crmoores  Offline
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Joined: Jan 2005
Posts: 1,460
Finger Lake Region
Originally Posted by jmon
I see travel insurance is required for COVID-related issues. Wondered if charters are using regular health insurance or going to outside insurers.


Not sure what that means, but we use Allianz wherever we travel, which provides excellent medical and medivac coverage, as well as clearly-defined coverages for Covid-19-related sickness and testing/quarantine. Other insurers like MedJet provide excellent medivac coverage with private transfers when possible…


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Travel Insurance [Re: jmon] #278220
03/20/2022 10:21 AM
03/20/2022 10:21 AM
Joined: Oct 2021
Posts: 160
Pittsboro, NC, USA
CarolinaSailor Offline
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CarolinaSailor  Offline
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Posts: 160
Pittsboro, NC, USA
From other reports on this forum, many choose to use personal insurance. This does not meet the strict requirements that have been detailed as requirements-in addition to the health insurance part there are requirements for Med-evac and quarantine expense. From what has been observed here, few questions seem to be asked, and if asked flashing your insurance card seems to work.

However there are some new things to consider. In an environment where Covid is present in a new form, i.e. the BA.2 sub-variant, and therefore becomes more prevalent and at risk of being contracted one should consider the financial implications of testing positive. Vaccination or prior illness appears to protect against severe illness, so if you fall into one of those categories the issue is paying for quarantine in a place that costs a lot of money to stay, and is the insurance worth the cost?

The issue is what an extra 7-10 days food and lodging and rescheduled travel would cost out of pocket per person versus cost of insurance just for these expenses. There are many places that just offer this coverage rather than full trip insurance. Something to consider before travelling.

Re: Travel Insurance [Re: jmon] #278227
03/20/2022 10:51 AM
03/20/2022 10:51 AM
Joined: Jan 2005
Posts: 1,460
Finger Lake Region
crmoores Offline
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crmoores  Offline
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Finger Lake Region
The cost of extending your time away can be significant for working folks, less so for retirees…But we would never consider traveling without trip insurance, even during non-pandemic times. Just the consolidation of flights and tightened schedules make meeting connections hit or miss so trip interruptions are more common today…And even for direct flights delays happen…We’ve been reimbursed for overnights and lost rentals multiple times and we are ahead of the game. Also for medical emergencies involving hospital stays with immediate reimbursement by Allianz…. And of course the medical/medivac coverages are extremely important (pre-travel, during travel, and after), unless you have existing, PRIMARY international medical/medivac coverages?
We pay ~$150 - $200/couple for 6 months of excellent coverage so it is a no-brainer for us…Some folks here prefer MedJet for the 5* medivac service, it just depends on your situation, and what you want to pay.


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Travel Insurance [Re: jmon] #278230
03/20/2022 10:58 AM
03/20/2022 10:58 AM
Joined: Nov 2006
Posts: 508
long island, new york
M
macaroni Offline
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long island, new york
crmoores…so you are using an annual plan with Allianz? Is there a limit involved for each trip? Thanks!

Re: Travel Insurance [Re: jmon] #278238
03/20/2022 11:22 AM
03/20/2022 11:22 AM
Joined: Jan 2005
Posts: 1,460
Finger Lake Region
crmoores Offline
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crmoores  Offline
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Posts: 1,460
Finger Lake Region
No we have a retirement home in the Carib and spend 4 - 5 months here during the winter and just buy a one-trip insurance policy with high medical/medivac limits ($50k/1,000k). One-trip policies are good up to 6 months. Allianz has provided excellent and timely support in all emergencies.

Last edited by crmoores; 03/20/2022 11:24 AM. Reason: Typo

"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Travel Insurance [Re: crmoores] #278241
03/20/2022 12:01 PM
03/20/2022 12:01 PM
Joined: Nov 2006
Posts: 508
long island, new york
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macaroni Offline
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macaroni  Offline
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long island, new york
Ok…thanks!

Re: Travel Insurance [Re: macaroni] #278245
03/20/2022 12:26 PM
03/20/2022 12:26 PM
Joined: Jan 2005
Posts: 1,460
Finger Lake Region
crmoores Offline
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crmoores  Offline
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Posts: 1,460
Finger Lake Region
We chose Trawick Safe Travels Voyager this trip just because the med coverages are higher, but Allianz is great to work with and I’ll probably use them again in the future


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Travel Insurance [Re: CarolinaSailor] #278260
03/20/2022 04:59 PM
03/20/2022 04:59 PM
Joined: Jul 2005
Posts: 259
42.99N 76.46W
jmon Offline OP
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jmon  Offline OP
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Posts: 259
42.99N 76.46W
Thanks - I am most concerned about meeting govt requirements for entry.


Jeff

Tug William B
[Linked Image]
Re: Travel Insurance [Re: jmon] #278262
03/20/2022 05:22 PM
03/20/2022 05:22 PM
Joined: Oct 2009
Posts: 1,698
Memphis, BVI, CT
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RatmansWife Offline
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Memphis, BVI, CT
Three trips in the past year and don't recall them ever asking for insurance, although we have medical and evacuation.

Re: Travel Insurance [Re: jmon] #278299
03/21/2022 10:04 AM
03/21/2022 10:04 AM
Joined: Jan 2005
Posts: 1,460
Finger Lake Region
crmoores Offline
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crmoores  Offline
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Posts: 1,460
Finger Lake Region
Sure! We’re relying on the insurance for medical and medivac emergencies on several-month trips so yes I’m sure you can get the minimum required coverage anywhere. But we were soooo glad that the insurer reps were really on the ball when we needed them. So even if looking for the minimum requirements do your due diligence on the insurer you choose..


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Travel Insurance [Re: jmon] #278986
03/28/2022 06:24 PM
03/28/2022 06:24 PM
Joined: Oct 2021
Posts: 160
Pittsboro, NC, USA
CarolinaSailor Offline
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CarolinaSailor  Offline
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Posts: 160
Pittsboro, NC, USA
John- in preparing a family trip in June, just wondering what insurance you ended up obtaining and at what per person cost? Like you, we are interested in what the cost is to be compliant.

Re: Travel Insurance [Re: CarolinaSailor] #278993
03/28/2022 07:46 PM
03/28/2022 07:46 PM
Joined: Oct 2013
Posts: 682
Vail, CO/St. Thomas, USVI
caribbeangirl13 Offline
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caribbeangirl13  Offline
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Posts: 682
Vail, CO/St. Thomas, USVI
Originally Posted by CarolinaSailor
John- in preparing a family trip in June, just wondering what insurance you ended up obtaining and at what per person cost? Like you, we are interested in what the cost is to be compliant.


In November, we went with Allianz and it was pretty inexpensive. Since we were using owners' time and flights were refundable I didn't put in a very high cost of trip which made the insurance very affordable.

In January 2021 we used our Blue Cross/Shield insurance that says that we are covered for medical evacuation. This also worked.

The reason we decided to use Allianz in November is because our friends and family were accompanying us so we wanted to make sure we were covered for a quarantine facility if one of us tested positive.


Sue
s/v Ripple
Leopard 40

[Linked Image]
Re: Travel Insurance [Re: jmon] #279023
03/29/2022 09:56 AM
03/29/2022 09:56 AM
Joined: Jul 2020
Posts: 547
Bay Area
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Husker Offline
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Bay Area
We used Square Mouth, link below, to get quotes. It was about $60pp for two weeks basic coverage for medical evac etc (minimal or no trip cost coverage)

https://www.squaremouth.com/single-...ntent=ca&utm_source=travel+insurance


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