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Re: Vacation insurance
[Re: RacerRon]
#183874
02/12/2019 01:29 PM
02/12/2019 01:29 PM
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Joined: Aug 2000
Posts: 82,721 Central Florida!
Carol_Hill
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Traveler
Joined: Aug 2000
Posts: 82,721
Central Florida!
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Here is a general post that I have made in the past regarding trip insurance in general. Never done a bareboat trip myself, so specific issues regarding to bareboat charters in particular, will have to wait for someone else to respond.
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: Vacation insurance
[Re: RacerRon]
#183878
02/12/2019 01:57 PM
02/12/2019 01:57 PM
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Joined: Oct 2009
Posts: 1,657 Memphis, BVI, CT
RatmansWife
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Posts: 1,657
Memphis, BVI, CT
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As Carol says, each person’s circumstances will differ. We have an annual medical evacuation plan with Medjet Assist, to whom we switched after our last company stopped covering individuals.
Our medical insurance covers us world wide, but many do not, so verify that.
We own our home, so no cost there, but a boat charter can be expensive, so you may want to protect that investment.
Airfare is another thing. You can buy refundable tickets, or use miles that you can turn back in. If your nonrefundable tickets are cheap enough, then you can take the risk of losing them.
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Re: Vacation insurance
[Re: RacerRon]
#183958
02/13/2019 08:19 AM
02/13/2019 08:19 AM
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Joined: Dec 2018
Posts: 216 Dana Point
captdennyj
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Traveler
Joined: Dec 2018
Posts: 216
Dana Point
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Trip insurance.......that is a yes for us.
We had always taken the TRAVEL GUARD TIP INSURANCE. thru the moorings or sunsail. Now chartering with conch, we get the trip insurance thru AAA.....( Auto club ).
Well, you dont need it, until you need it.
We had a sailing vacation planned to Belize. We book our boat, air, etc, early. This was the moorings, two weeks sailing and snorkeling Belize.
Two weeks before our trip, we sailed over to Catalina. Just the two of us. Turns out, some of my old students and friends from tour sailing club were moored a few boats over. They dink to our vessel for boat drinks. Then, the ran us ashore, since we had dinner reservations there in Avalon.
Going up a very steep dock ramp, full moon, very high tide, I tore my calf muscle. I actually heard it snap. I was limping around, but could do nothing about it, until we got back overtown, the next day.
Wound up, our Belize Trip was in the tank. We also had another couple that was going with us. I contacted the moorings and the Trip Insurance kicked in. The airlines, boat, hotel the first and last nights, everything was 100% covered. For all four of us.
That was several years ago, and to this day, for sailing, or eco vacations ...internationally , we have trip insurance. Do read your policy however, and get medical as well. if something serious occures, it may be that you need to be medivaced, from the small far off island in paradise.
There is our factual experience.
Denny and Erica
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Re: Vacation insurance
[Re: RacerRon]
#184055
02/13/2019 07:58 PM
02/13/2019 07:58 PM
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Joined: Aug 2000
Posts: 82,721 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 82,721
Central Florida!
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As I said in my first post in this thread, go to Insure my Trip. You can enter a very small amount for hotel and air, and then look at the medical and medivac insurance coverages and cost. We did just that for a recent trip. We had frequent flyer tickets, so we put down $200, which is the cost to re-deposit AA miles, and nothing for hotel. Try it!!!
Carol Hill
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Re: Vacation insurance
[Re: OldRed]
#184077
02/13/2019 09:59 PM
02/13/2019 09:59 PM
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Joined: Aug 2000
Posts: 82,721 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 82,721
Central Florida!
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Yes, for sure, that is a very real consideration, secondary versus primary coverage. We always try to make it primary coverage, especially for medical evac. As far as fraudulent, I guess I never thought about that, but like I said, if I'm using frequent flyer miles, the actual cost to me if everything craps out is the cost to re-deposit miles, so I don't see how that could be fraudulent? Airfare in general should not be a major part of trip cost to the Caribbean, anyway..
Carol Hill
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Re: Vacation insurance
[Re: OldRed]
#184135
02/14/2019 12:27 PM
02/14/2019 12:27 PM
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Joined: Feb 2002
Posts: 3,610 Woodstock, GA
RickinAtlanta
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Traveler
Joined: Feb 2002
Posts: 3,610
Woodstock, GA
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I have another angle on the question. Being the ripe old age the gov'ner thinks I must have Medicare, and Medicare only covers in the US and my secondary only covers 20% no matter what, I'm mostly concerned about offshore medical coverage, not trip (airfare, charter, hotel, etc). I have had no luck finding JUST Medical and Medivac insurance for a trip. Any leads?
Look above in the sponsor list for SkyMed.
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Re: Vacation insurance
[Re: Carol_Hill]
#184158
02/14/2019 03:16 PM
02/14/2019 03:16 PM
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Joined: Feb 2002
Posts: 3,610 Woodstock, GA
RickinAtlanta
Traveler
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Traveler
Joined: Feb 2002
Posts: 3,610
Woodstock, GA
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Rick--I could be wrong, but I don't think that SkyMed covers medical insurance, just medical evac?? You're correct as I just read that they do not cover any medical expenses whatsoever except transport. My bad.
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Re: Vacation insurance
[Re: RacerRon]
#184634
02/19/2019 09:51 AM
02/19/2019 09:51 AM
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Joined: Nov 2012
Posts: 208
Kegoangoango
Traveler
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Traveler
Joined: Nov 2012
Posts: 208
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You might also check your credit card. Our CitiBank AA card has trip insurance coverage, including med, for everything we charge on the card.
Our St. Martin October 2017 trip obviously did not happen and the card came through with no problems.
If you're looking at trip insurance, one of the things to remember is that there's a 30 day window (on many policies) from the time a storm hits for coverage. In other words, if a storm hits on Oct 1 and the area is still not up and running in Nov (like with Irma which hit in Sept.), it will not cover you because it's beyond the 30 days. If the storm hits Oct 30th, then you would be covered for Nov.
Last edited by Kegoangoango; 02/19/2019 09:51 AM.
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