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Travel Insurance?!!! Please Help?!!!
#163266
06/12/2018 10:36 PM
06/12/2018 10:36 PM
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Joined: Nov 2017
Posts: 42
drcabral
OP
Traveler
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OP
Traveler
Joined: Nov 2017
Posts: 42
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I will be going to BVI from US 7/3-7/11. Will be sailing with Moorings. Bringing my wife (44 y/o), kids (6,8 and 10 y/o) and I(44 y/o). Wanted to purchase insurance for cancellations due to weather or unforeseen medical emergency (kids getting sick prior to trip, med evac win the BVI etc..). Wasn't certain what items are needed in the insurance, flight cancellation, sailboat cancellation, interruption, medical evacuation etc... Also, are some insurance companies more reputable than others? I understand some are using insuremytrip.com, www.allianztravelinsurance.com, www.squaremouth.com, www.skymed.com. Seems hard to figure this out as the devil is in the details and each insurance has different packages and fine print. Any assistance or recommendaton anyone can lend to help this newbie would be deeply appreciated.
Thanks
[b][/b]
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Re: Travel Insurance?!!! Please Help?!!!
[Re: drcabral]
#163269
06/13/2018 01:55 AM
06/13/2018 01:55 AM
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Joined: Feb 2006
Posts: 928
Fletch
Traveler
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Traveler
Joined: Feb 2006
Posts: 928
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FYI - SkyMed is just medical evacuation Insurance, they don't offer any other kind of "travel" or "trip interruption" insurance. Allianztravel is just one insurance company so if you use them you are limited to only those policies that they offer. Can't comment on squaremouth. You've already found one site ( www.insuremytrip.com) that is very reliable and IMO the best to work with. On it you can compare the terms and premiums for 95% of the Travel Insurance policies that are available in the marketplace. The explanations you find there are clear, concise and easy to understand. They also have an 800 number you can call to talk with a "live" representative who will guide you through the process of selecting the policy that is "RIGHT FOR YOU". And, YES, it is important that YOU read and understand the terms of the particular policy you purchase so you know it covers the risks YOU want to insure against (the representative at insuremytrip are very adept at helping you with that aspect. You should also know that they only deal with the top companies so no need to worry if the company that writes your particular policy is reputable. Give insuremytrip a call, to borrow and old insurance averting line you'll be in good hands!
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Re: Travel Insurance?!!! Please Help?!!!
[Re: Fletch]
#163277
06/13/2018 08:44 AM
06/13/2018 08:44 AM
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Joined: Jan 2005
Posts: 4,557 Toronto, Ontario
gordaguy2
Traveler
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Traveler
Traveler
Joined: Jan 2005
Posts: 4,557
Toronto, Ontario
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Some premium credit cards also provide certain coverages as well - I ended up in hospital one trip and because itt was within three days of arriving Visa covered the cost of staying at Peebles.
Last edited by gordaguy2; 06/13/2018 08:44 AM.
GordaGuy2
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Re: Travel Insurance?!!! Please Help?!!!
[Re: drcabral]
#163287
06/13/2018 11:22 AM
06/13/2018 11:22 AM
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Joined: Apr 2008
Posts: 306 Plano, TX
tjkunes
Traveler
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Traveler
Joined: Apr 2008
Posts: 306
Plano, TX
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We use AIG. Match coverage to your needs. I'm not as concerned about trip cancelation/interuption as I am medical and medical evacuation to my home.
Tim
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Re: Travel Insurance?!!! Please Help?!!!
[Re: Fletch]
#163289
06/13/2018 11:54 AM
06/13/2018 11:54 AM
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Joined: Aug 2000
Posts: 83,022 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 83,022
Central Florida!
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Please forgive duplicate statements of other’s statements in this thread, as this is a note which I have typed up and saved to answer this type of question.
The first thing that you need to determine is what perils are MOST important to you to be covered and how much you are willing to pay to cover that risk. Insure My Trip allows you to compare different insurance policies straight up against each other and helps take some of the confusion out of the process. Insure My Trip is a TTOL sponsor and if you book through the link here on TTOL, we get a small commission and your cost is EXACTLY the same. Especially if you don’t understand what types of coverages are available, and the cost and the dollar limit coverage for each type, Insure My Trip is extremely helpful.
SkyMed is ONLY emergency medical evac. Most other travel policies have a component of medical evac in them, but you do need to look at the limits of coverage on other policies, as some have something like a $25,000 limit, which is NOT sufficient for the Caribbean, as it often will cost $50,000 or so for a true medical evac. SkyMed is also a TTOL sponsor and again, if you book through the link here on TTOL, we get a small commission, and your cost is exactly the same. SkyMed does offer annual policies, which can be very useful if you travel a lot. SkyMed is different than most any other medical evac policy because they take you HOME. Most other medical evac policies will transport you to the closest medically appropriate facility. For example, if you live on the US West Coast, but the nearest medically appropriate facility is in San Juan or Miami, you and possibly your relatives might have to stay in San Juan until you are cleared to travel further, which could be a long time.
Especially now that we are older, we ALWAYS book insurance that includes medical evac insurance. Now, we often book Allianz for cheap coverage for medical evac and emergency medical care, as our personal medical insurance will NOT pay out of the country, or it is all out of network, which means HUGE deductibles. If we book Allianz AT THE SAME time you book your air through the airline, it can be pretty cheap. We recently paid $62 for both of us for an Allianz policy with $50,000 medical evac and $15,000 emergency medical coverage, for an 11 day trip. The policy provides a small amount of trip cancellation/trip interruption/baggage delay insurance, but the main purpose for US is the medical evac and medical coverage insurance. We usually use it only for air tickets of relatively modest cost and a hotel of relatively modest cost. If it’s going to cost you $10,000 for your hotel or boat, then probably Allianz isn’t your best bet at all.
One note regarding trip CANCELLATION insurance. READ the terms of the policy, as far as what qualifies for it to kick in. Usually it will kick in if a person travelling becomes ill, or an immediate family member, but let’s say you are in a relationship with someone to whom you are not married, they are not travelling and THEY become sick. Many policies won’t cover that circumstance. Also, check to see what coverage there is for pre-existing conditions. Also, IF IT IS PURCHASED WITHIN A VERY SHORT TIME OF WHEN THE TICKETS ARE BOOKED, usually around a week, SOME trip cancellation policies will kick in if you decide to cancel for ANY reason and/or will cover pre-existing conditions. Usually those policies will cost more, but if you have a situation where you think you might need to cancel because of a work situation or a family member’s medical condition which qualifies as pre-existing under the policy, those types of coverages can be VERY important.
Carol Hill
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Re: Travel Insurance?!!! Please Help?!!!
[Re: Carol_Hill]
#163292
06/13/2018 12:36 PM
06/13/2018 12:36 PM
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Joined: Nov 2017
Posts: 42
drcabral
OP
Traveler
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OP
Traveler
Joined: Nov 2017
Posts: 42
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Thank you for the comprehensive review Carol Appreciate you mentioning the relationship between TTOL and medsky and insuremytrip.com.
Last edited by drcabral; 06/13/2018 12:46 PM.
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Re: Travel Insurance?!!! Please Help?!!!
[Re: Fletch]
#163293
06/13/2018 12:40 PM
06/13/2018 12:40 PM
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Joined: Nov 2017
Posts: 42
drcabral
OP
Traveler
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OP
Traveler
Joined: Nov 2017
Posts: 42
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Thank you for the reply. Certainly because insuremytrip.com is affiliated with TTOL and there is a fincial gain to had for our site, many of our members are directed there. I wanted to get objective recommendation of indiviual trip insurance companies that people had personal experience with to assist my in making an infomred decision.
Last edited by drcabral; 06/13/2018 12:47 PM.
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Re: Travel Insurance?!!! Please Help?!!!
[Re: drcabral]
#163294
06/13/2018 12:57 PM
06/13/2018 12:57 PM
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Joined: Aug 2000
Posts: 83,022 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 83,022
Central Florida!
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Understand, Insure My Trip doesn't really sell insurance themselves. They are a tool to help you evaluate different insurance policies side by side, from a variety of different companies, and then purchase it. Most people have no clue what the cost is for different types of coverages and how the cost compares between different companies, and that's where Insure My Trip is very helpful.
Carol Hill
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Re: Travel Insurance?!!! Please Help?!!!
[Re: drcabral]
#163315
06/13/2018 09:06 PM
06/13/2018 09:06 PM
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Joined: Aug 2000
Posts: 83,022 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 83,022
Central Florida!
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OK, that's a good point regarding not covering chartering cats, which is obviously very important. Thanks for posting.
Carol Hill
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Re: Travel Insurance?!!! Please Help?!!!
[Re: drcabral]
#163340
06/14/2018 09:49 AM
06/14/2018 09:49 AM
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Joined: Jan 2003
Posts: 969 Middleburg, VA
cwoody
Traveler
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Traveler
Joined: Jan 2003
Posts: 969
Middleburg, VA
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Have you talked to the Moorings about the insurance they offer? Travel Insurance The Moorings offers a Charter Care Protection Plan for most U.S. residents. This optional travel insurance through Travel Guard costs $168 per person for a bareboat vacation and $262 per person for a crewed vacation and must be purchased before your final payment. Please visit the Travel Guard (link sends e-mail) website for details. Travel Guard
Chuck W.
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