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Old 05-03-2016, 05:38 AM
 
Location: Ponte Vedra Beach FL
14,628 posts, read 17,935,948 times
Reputation: 6716

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Quote:
Originally Posted by reed303 View Post
Well, I'm studying 2 plans that IMT recommended for my concerns (mainly medical). Here is what the Certificate for one says re extended coverage:
"If You are Hospitalized due to an Accidental Injury that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid"
(Of course it's possible the Max could be hit in 7 days )

One issue I'm calling back tomorrow about is IMT said both plans offered "Direct Pay" to providers. However in reading thru the Certificates, I see no mention of such.

In my case, I am on an Advantage HMO-POS plan with some Worldwide coverage, (maybe not next year)
and would prefer that the Trip Ins be primary. Cost is not a huge issue. Quotes range from $175 - $225

And I thought deciding on Medicare choices was a pain..........
There's a clause like this in every policy I've seen:

If coverage is extended for the above reasons,
coverage will end on the earlier of the date you reach
your originally scheduled return destination or seven (7)
days after the Scheduled Return Date.

Which policy/company are you looking at (I'll take a look too and see what the policy says)?

Considering these limitations - I think the evacuation coverage becomes important. I can't imagine many situations where you'd be in a hospital and be unable to go home - assuming you had a plane equipped with appropriate medical equipment.

Most of the plans I've looked at seem to have their own provider networks - and they can arrange direct payments with those providers. Our international trips these days are always to large cities - so I doubt we'd have issues finding a "network provider". I suspect mileage would vary in more out-of-the-way places.

With an Advantage plan - you won't be able to buy some non-primary policies which require "underlying insurance".

This is kind of a pain - but it's easier than some TSA lines these days:

http://www.nytimes.com/2016/05/03/bu...ity-lines.html

Robyn
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Old 05-03-2016, 08:18 PM
 
Location: OH>IL>CO>CT
5,237 posts, read 8,409,707 times
Reputation: 7191
Quote:
Originally Posted by Robyn55 View Post
There's a clause like this in every policy I've seen:

If coverage is extended for the above reasons,
coverage will end on the earlier of the date you reach
your originally scheduled return destination or seven (7)
days after the Scheduled Return Date.

Which policy/company are you looking at (I'll take a look too and see what the policy says)?

>https://www.hthtravelinsurance.com/1..._preferred.cfm

>Here is their info re extended coverage:
"If You are Hospitalized due to a Sickness that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid."

Considering these limitations - I think the evacuation coverage becomes important. I can't imagine many situations where you'd be in a hospital and be unable to go home - assuming you had a plane equipped with appropriate medical equipment.

>Evac is covered, and I took the Cancel for Any Reason & PreExisting waiver.

Most of the plans I've looked at seem to have their own provider networks - and they can arrange direct payments with those providers. Our international trips these days are always to large cities - so I doubt we'd have issues finding a "network provider". I suspect mileage would vary in more out-of-the-way places.

>In London, yes HTH has a "network". Two items attracted me to this plan. $500K med coverage, and Direct Billing

With an Advantage plan - you won't be able to buy some non-primary policies which require "underlying insurance".

>Right, I confirmed with HTH that they are Primary. There were some that were Secondary.

This is kind of a pain - but it's easier than some TSA lines these days:

http://www.nytimes.com/2016/05/03/bu...ity-lines.html

Robyn
Hopefully by Sept the wait times will be better
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Old 05-04-2016, 03:30 PM
 
Location: Ponte Vedra Beach FL
14,628 posts, read 17,935,948 times
Reputation: 6716
The policy you linked looks like a pretty good policy. It's a little ambiguous on the coverage period. But - as a retired lawyer who used to do a lot of insurance coverage work - any ambiguity will be construed in favor of the insured.

Note that the reason this policy didn't come up in my search is I wasn't looking for a comprehensive policy with stuff like trip cancellation coverage. This policy requires a minimum of $500/per person in that kind of coverage.

Overall - the price is about $136 for 2 of us - for about 8 days. Not bad (we were paying about $85 before my husband got to age 70).

Thanks for the link. Robyn
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