Do You Purchase "Medical Evacuation Insurance" When You Travel?

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LeftCoast
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by LeftCoast » Thu Aug 09, 2018 6:16 pm

Thanks so much for this thread! We are about to depart to Europe for a three-week trip. During the trip I turn 65, and my PPO insurance vanishes in favor of Medicare and a Medicare supplement plan. Medicare doesn't cover overseas medical costs, and my Medicare supplement plan only covers "stabilizing a life-threatening illness". As the cost of an annual plan is not much more than the cost to insure this one trip, I purchased an annual plan from GeoBlue that covers both medical expenses and medical evacuation.

Thanks for all the info.

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jainn
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by jainn » Thu Aug 09, 2018 6:30 pm

Good story regarding Amex Platinum Medical Evacuation benefit. This person purchased no extra coverage, only used what is included in the Amex Personal Platinum card.

https://viewfromthewing.boardingarea.co ... es-275000/

We looked into med/evac memberships with our family traveling for 3 months at a time before going back to a home base in the US....for now we are content with Amex Plat...have considered Global Rescue, as well as other 3rd party international medical insurance policies...for now we are OK with Amex Plat.
The American Express Platinum evacuation benefit was incredible. His flight home would have cost $275,000 otherwise.

He had a medically outfitted Gulfstream 100 come from Toronto with a Doctor, Paramedic, and Respiratory Technician. They had a hard time getting landing rights in Singapore so for a while it looked like they were going to take him by ambulance to Johor Bahru Malaysia to fly out. At the last minute they got the landing rights.

So they flew him home Singapore – Taipei – Sapporo – Anchorage – Calgary – Atlanta Peachtree Dekalb (PDK). The pilots changed a couple times but it was the same medical crew for the entire 25 hour flight + ambulance time.

My mom got to ride with him too although the Gulfstream G100 was at capacity so it was an uncomfortable journey. They sedated dad and gave him morphine for the trip home so he was zonked out the whole time.

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SailingAway
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by SailingAway » Thu Aug 09, 2018 6:44 pm

We are out of the US about 90% of the time. We live on our boat and for the last 9 years we have sailed from the East Coast, US to New Zealand and have hit a good number of the spots along the way (some pretty desolate). DAN, Divers Alert Network, has provided us evacuation and other insurance since we left. It is ridiculously inexpensive and you don't have to be a diver to use it. While, we have never had to use it, thank goodness, we know 3 people who do what we do that have. In all 3 cases they were happy with the response they got from Dan and 2 (one was injury in South America and the other a heart attack in Bonaire) were transported back to the US and one chose to receive treatment where he was.

Another advantage we have found, that won't matter to most people, is that in countries like New Zealand, where our boat is presently, or French Polynesia, they are pretty determined to do their best to make sure you won't become a burden on their health care system. This isn't typically an issue
for normal tourists, but when we stayed in French Polynesia from 2014-2017 we submitted our DAN to them each year when they renewed our long stay visas and they accepted DAN as proof that if something bad happened we could be shipped back to the US for treatment if necessary. This year, New Zealand accepted it as well and they are pretty tough.

In our circle of friends, most have DAN, and to date I've never heard anything negative about their services.

Dick D
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by Dick D » Thu Aug 09, 2018 6:55 pm

We always purchase it when traveing outside the continental US.

ResearchMed
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by ResearchMed » Thu Aug 09, 2018 7:03 pm

jainn wrote:
Thu Aug 09, 2018 6:30 pm
Good story regarding Amex Platinum Medical Evacuation benefit. This person purchased no extra coverage, only used what is included in the Amex Personal Platinum card.

https://viewfromthewing.boardingarea.co ... es-275000/

We looked into med/evac memberships with our family traveling for 3 months at a time before going back to a home base in the US....for now we are content with Amex Plat...have considered Global Rescue, as well as other 3rd party international medical insurance policies...for now we are OK with Amex Plat.
The American Express Platinum evacuation benefit was incredible. His flight home would have cost $275,000 otherwise.

He had a medically outfitted Gulfstream 100 come from Toronto with a Doctor, Paramedic, and Respiratory Technician. They had a hard time getting landing rights in Singapore so for a while it looked like they were going to take him by ambulance to Johor Bahru Malaysia to fly out. At the last minute they got the landing rights.

So they flew him home Singapore – Taipei – Sapporo – Anchorage – Calgary – Atlanta Peachtree Dekalb (PDK). The pilots changed a couple times but it was the same medical crew for the entire 25 hour flight + ambulance time.

My mom got to ride with him too although the Gulfstream G100 was at capacity so it was an uncomfortable journey. They sedated dad and gave him morphine for the trip home so he was zonked out the whole time.
This is quite an amazing tale, and certainly speaks well for the Amex Plat service.

I had understood that they do not cover anything related to a pre-existing condition, so we need to double check if that is correct.

RM
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ResearchMed
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by ResearchMed » Thu Aug 09, 2018 7:08 pm

Gnirk wrote:
Thu Aug 09, 2018 2:41 pm
Absolutely! We don't leave home without it (at least for international travel).
We took out our first "trip insurance" in 2010 before we embarked on a 10-day cruise from NY to Montreal. The reason was that my husband had previous medical issues, and even though I (thought I) was perfectly healthy, Medicare doesn't really cover us outside the US, and our Medicare Advantage plan only covered emergencies.

Husband had no issues on the trip, but the fourth day into it, I woke up in port in Nova Scotia and it was horribly obvious that I'd had a stroke during the night. Ship's medical crew had me off that ship and into an ambulance in no time. I spent 4 days in the hospital (which is no cost to Canadian Citizens, but $4,000+ per day for US Citizens) in Nova Scotia. Once stabilized, I was allowed to fly home. The aisle wheel chairs they use on the airplane are not fun, by the way.

The trip insurance covered my husband's hotel costs, ambulance, all hospital charges not covered by my Medicare Advantage plan , non-used portion of the cruise and already purchased tours, and would have medivac'd me to the US if I wanted to. It also covered changes in our flight tickets, and offered to have a nurse accompany me home on the flight.

It took three months of intense physical therapy at home to get back to mostly normal.

So yes, we always buy medical and evacuation insurance when traveling internationally.
SO glad that had a better outcome than it first seemed was going to be the ending.
How horrible!

We also ended up with a major claim the first time we used travel insurance, but fortunately, it wasn't as dramatic a situation as yours.

But we won't travel far without the coverage!

Now I'm looking into possible options instead of MedJetAssist, which we also hold, but an annual policy, so it covers business and casual trips throughout the USA during the year.

RM
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InMyDreams
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by InMyDreams » Fri Aug 10, 2018 10:11 am

I have travel insurance from an unexpected source - my disability insurance thru my employer has a medical evac rider. They don't cover medical expenses but my private health insurance will cover at its approved rates. It will also cover expenses for my companion to stay with me and return home.

When I went to South America, I decided I could afford the loss of the trip's expense (not covered under the travel insurance), so I declined the travel insurance that the tour company offered.

Fortunately, I did not need any, and had a great time. I find many of my co-workers are unaware of this rider.

Small Law Survivor
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by Small Law Survivor » Sat Aug 11, 2018 4:39 pm

Swimmer wrote:
Wed Aug 08, 2018 11:13 am
I was told by Costco Citi Visa that their coverage dropped from $3000 to $1500 effective July 31, 2018.
Just called Costco Citi Visa, and was told coverage is still $3,000 per person.

criticalmass
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by criticalmass » Mon Aug 13, 2018 3:02 pm

For a routine trip, I do not pay for coverage.

When I am doing sports like skiing that have an elevated risk of injury that requires more than a few days care, I buy medical insurance that includes evacuation to us as needed. Sometimes a Visa requires this insurance.

I've never paid more than $20-23 for a half month coverage, per person.

mbres60
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by mbres60 » Mon Aug 13, 2018 3:58 pm

There is a major difference between the travel insurance that includes evacuation and buying an evacuation policy. The trip insurance that includes evacuation YOU do NOT get to decide if you will be evacuated and to where. If you buy an evacuation policy such as Medjet Assist then if you don't like the hospital you are in you can call them for them to arrange evacuation for you. There is a bit more to it but basically those are some of the major differences.

LifeIsGood
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by LifeIsGood » Wed Aug 15, 2018 1:11 pm

I’m looking into getting insurance for a European trip that was charged entirely on my wife’s AmEx Platinum card. After reading the story quoted below I looked into what this card covers. I was shocked to find out that there is NO MEDICAL COVERAGE!! They cover accidents but specifically exclude stroke, heart attack, illness, surgery etc. I confirmed this with a phone rep. Here’s the plan documents - https://www.americanexpress.com/content ... _09-17.pdf
I can believe a card with a $550 annual fee gives you so little. And did I mention that she never got the 60,000 Membership Rewards points either?

jainn wrote:
Thu Aug 09, 2018 6:30 pm
Good story regarding Amex Platinum Medical Evacuation benefit. This person purchased no extra coverage, only used what is included in the Amex Personal Platinum card.

https://viewfromthewing.boardingarea.co ... es-275000/

We looked into med/evac memberships with our family traveling for 3 months at a time before going back to a home base in the US....for now we are content with Amex Plat...have considered Global Rescue, as well as other 3rd party international medical insurance policies...for now we are OK with Amex Plat.
The American Express Platinum evacuation benefit was incredible. His flight home would have cost $275,000 otherwise.

He had a medically outfitted Gulfstream 100 come from Toronto with a Doctor, Paramedic, and Respiratory Technician. They had a hard time getting landing rights in Singapore so for a while it looked like they were going to take him by ambulance to Johor Bahru Malaysia to fly out. At the last minute they got the landing rights.

So they flew him home Singapore – Taipei – Sapporo – Anchorage – Calgary – Atlanta Peachtree Dekalb (PDK). The pilots changed a couple times but it was the same medical crew for the entire 25 hour flight + ambulance time.

My mom got to ride with him too although the Gulfstream G100 was at capacity so it was an uncomfortable journey. They sedated dad and gave him morphine for the trip home so he was zonked out the whole time.

Tanelorn
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by Tanelorn » Mon Sep 03, 2018 6:17 pm

Thanks for all the good info and shared experiences. I do worry many of the people who had something bad enough happen abroad to really want these types of services / coverage didn’t make it home alive to post about it here. Don’t take the replies here, “seems expensive, never needed it”, as entirely representative of the odds.

TravelerMSY
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by TravelerMSY » Mon Sep 03, 2018 7:21 pm

Has anyone found a reasonable solution that covers domestic travel? Anyone with a narrow-network ACA plan is going to find that a visit to a neighboring state might as well be Thailand as far as insurance benefits are concerned. There are handful of plans with nationwide benefits at much lower reimbursement rates, but mine isn’t one of them.

None of the major standalone annual travel medical policies I’ve looked at cover a us resident while in the us.

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dm200
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by dm200 » Mon Sep 03, 2018 7:24 pm

TravelerMSY wrote:
Mon Sep 03, 2018 7:21 pm
Has anyone found a reasonable solution that covers domestic travel? Anyone with a narrow-network ACA plan is going find that a visit to a neighboring state might as well be Thailand as far as insurance benefits are concerned. There are handful of plans with nationwide benefits at much lower reimbursement rates, but mine isn’t one of them.

None of the major standalone annual travel medical policies I’ve looked at cover a us resident while in the us.
It would seem to me that even a narrow network plan (ACA) would cover emergency care while traveling outside your home area. If you are in a neighboring state, and you want non-emergency care - you could safely travel back.

Kennedy
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by Kennedy » Mon Sep 03, 2018 10:13 pm

Members of our family are healthy and in good shape. With that said, I ALWAYS buy med evacuation insurance when we travel somewhere with third-world healthcare. The cost is worth the peace of mind. In fact, I generally pay extra for the ability to transfer to the hospital in the area of MY choice as opposed to the closest facility that can accommodate the injury/illness.

True story: A family member worked as a cruise ship doctor. On one particular cruise, there were two medical emergencies whereby the passengers were required to disembark the ship for further treatment. One passenger had med evac insurance and was whisked away off the ship by a med evac helicopter when the ship was close enough to shore. He was flown to a university hospital in Miami. Passenger two was less fortunate. This person did not have med evacuation insurance and was removed from the ship in a poorer Caribbean country where he was greeted at the dock by the local "ambulance." Guess which one lived and which one died. Anecdotal, but the juxtaposition in care and outcome left me with a strong opinion on the subject.

Tanelorn
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by Tanelorn » Mon Sep 03, 2018 10:18 pm

dm200 wrote:
Mon Sep 03, 2018 7:24 pm
It would seem to me that even a narrow network plan (ACA) would cover emergency care while traveling outside your home area. If you are in a neighboring state, and you want non-emergency care - you could safely travel back.
ACA plans are poorly suited to people who travel regularly or have multiple residences (unless you want to buy a separate policy for every state / region you sometimes live in). Yes, emergency care is covered, but as with the caveats here, expensive medical transportation to a hospital of your choice, if required, may well be on you. Care for what seemed like, but did not turn out to be, an emergency may also not be covered at all. Also, in most states, ACA insurance will only cover out of network emergency care up to what they would have paid in-network for similar services, leaving you at the mercy of balance billing costs for the excess.

TravelerMSY - if you don’t need preexisting condition coverage, short term non-ACA plans are making a comeback and should be nationwide networks.

https://www.wsj.com/articles/cheaper-he ... 1533121200
https://www.wsj.com/articles/short-term ... 1533162922

ResearchMed
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by ResearchMed » Mon Sep 03, 2018 10:25 pm

Tanelorn wrote:
Mon Sep 03, 2018 10:18 pm
dm200 wrote:
Mon Sep 03, 2018 7:24 pm
It would seem to me that even a narrow network plan (ACA) would cover emergency care while traveling outside your home area. If you are in a neighboring state, and you want non-emergency care - you could safely travel back.
ACA plans are poorly suited to people who travel regularly or have multiple residences (unless you want to buy a separate policy for every state / region you sometimes live in). Yes, emergency care is covered, but as with the caveats here, expensive medical transportation to a hospital of your choice, if required, may well be on you. Also, in most states, ACA insurance will only cover out of network emergency care up to what they would have paid in-network for similar services, leaving you at the mercy of balance billing costs for the excess.
I'm not aware that our travel insurance policies were restricted to outside the USA care, but we never looked into that.

However, if a concern is needing to get from an "away" hospital to the hospital of choice, possibly one's "home" hospital, then MedJetAssist on an annual plan might be useful.

That kicks in if one is admitted as an inpatient (not ER, not Observation) at least 150 miles from home. At that point, one can call MedJetAssist and have them medevac you to the hospital of your choice.
If they can send you business class (or such) with an RN accompanying you, they'll do that. But if it requires a full air ambulance, then they''ll do that.

No need for any beancounters to chime in, or for any local medical staff to be put in the awkward position of stating they aren't capable of properly caring for you.

RM
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dm200
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by dm200 » Tue Sep 04, 2018 12:13 pm

Kennedy wrote:
Mon Sep 03, 2018 10:13 pm
Members of our family are healthy and in good shape. With that said, I ALWAYS buy med evacuation insurance when we travel somewhere with third-world healthcare. The cost is worth the peace of mind. In fact, I generally pay extra for the ability to transfer to the hospital in the area of MY choice as opposed to the closest facility that can accommodate the injury/illness.

True story: A family member worked as a cruise ship doctor. On one particular cruise, there were two medical emergencies whereby the passengers were required to disembark the ship for further treatment. One passenger had med evac insurance and was whisked away off the ship by a med evac helicopter when the ship was close enough to shore. He was flown to a university hospital in Miami. Passenger two was less fortunate. This person did not have med evacuation insurance and was removed from the ship in a poorer Caribbean country where he was greeted at the dock by the local "ambulance." Guess which one lived and which one died. Anecdotal, but the juxtaposition in care and outcome left me with a strong opinion on the subject.
As I once posted (not sure which thread) - years ago we took a cruise to Bermuda - and the ship was relatively small - maybe about 500 passengers. You cannot rent a car in Bermuda - so folks pour off the cruise ships and many rent scooters/motorcycles. It if left hand drive and the roads are narrow. One passenger was so injured in a cycle/scooter crash that he had to be evacuated (by air I think) back to the US. There were also two young women traveling together and would sit near us at dinner each evening. The first night in Bermuda - the table was empty. The next night, they were both at dinner - but one was on crutches, one arm in a sling - and obviously had been in a cycle/scooter crash as well. I was so glad we had the evac insurance - and glad we did not need it. [We did not get scooters/cycles though]. Even though I am sure places like Bermuda have excellent medical facilities - nonetheless it can be expensive to get home if you are seriously ill. So, I believe folks should carry it - even if you are not in or near "third world countries".

staustin
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by staustin » Tue Sep 04, 2018 12:34 pm

This thread is yet another example of the incredible value and insight routinely found on the bogleheads site..~

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dm200
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by dm200 » Tue Sep 04, 2018 12:38 pm

staustin wrote:
Tue Sep 04, 2018 12:34 pm
This thread is yet another example of the incredible value and insight routinely found on the bogleheads site..~
+1

HIinvestor
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by HIinvestor » Tue Sep 04, 2018 5:27 pm

Just spoke with MedJetAssist today. They quoted me $660 for one person between 75 and 84 years old and spouse age 74 or under. If you have an AARP membership, it is down to $615 instead. This is just for straight medical evacuation (doesn't include needing to evacuate due to disaster or other events. That's reasonable enough that we will probably buy it if we decide we are going overseas. You can also choose the date you want coverage to begin, within 60 days of when you have your MD sign the form declaring you fit to travel and you fill out the paperwork and have them approve you outright or with whatever exclusions they want to impose.

I was surprised to learn they're an Alabama company. They use air ambulances around the world and also will get business class seats if needed for the patient and a medical provider to transport the patient from hospital back to desired hospital.

That's much more reasonable than I had read elsewhere and seems a good price for a year of coverage. We are hoping to do some international trips -- one this year and more in coming years and I'd like to know that if for some reason one or both of us need to be medically evacuated we won't be bankrupt because of this. Our medical insurance would cover reasonable medical charges but NOT medical evacuation. I like that with MedJetAssist, the patient can choose to be transferred to the hospital of the patient's preference (rather than the insurance company deciding).

If you're over 74, you need to fill out paperwork every year and be accepted every year for coverage.

ResearchMed
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by ResearchMed » Tue Sep 04, 2018 5:42 pm

HIinvestor wrote:
Tue Sep 04, 2018 5:27 pm
Just spoke with MedJetAssist today. They quoted me $660 for one person between 75 and 84 years old and spouse age 74 or under. If you have an AARP membership, it is down to $615 instead. This is just for straight medical evacuation (doesn't include needing to evacuate due to disaster or other events. That's reasonable enough that we will probably buy it if we decide we are going overseas. You can also choose the date you want coverage to begin, within 60 days of when you have your MD sign the form declaring you fit to travel and you fill out the paperwork and have them approve you outright or with whatever exclusions they want to impose.

I was surprised to learn they're an Alabama company. They use air ambulances around the world and also will get business class seats if needed for the patient and a medical provider to transport the patient from hospital back to desired hospital.

That's much more reasonable than I had read elsewhere and seems a good price for a year of coverage. We are hoping to do some international trips -- one this year and more in coming years and I'd like to know that if for some reason one or both of us need to be medically evacuated we won't be bankrupt because of this. Our medical insurance would cover reasonable medical charges but NOT medical evacuation. I like that with MedJetAssist, the patient can choose to be transferred to the hospital of the patient's preference (rather than the insurance company deciding).

If you're over 74, you need to fill out paperwork every year and be accepted every year for coverage.
So you passed their vetting for those 75+?
We'll be facing that soon, and wonder how strict they are with what I'll call the "normal aging conditions", such as controlled blood pressure, or cholesterol meds, or such.
Did you have any of those "regular conditions associated with aging" and they didn't have a problem with that, by any chance?
(We haven't found anyone yet who has purchased this when age 75+, so we don't have any sense of how "strict" they are.)

Don't forget that they require one to already be admitted as an inpatient (not ER, not Observation) before their coverage/services kick in.

We've had their annual policies for several years now, and it would also cover us for regular domestic trips throughout the USA for business or family/friends, as long as it's at least 150 miles from home.
(If you are in Hawaii, does that particular coverage change? There's not much "in between" home and, well... the next continents...!)

There is no need for medical vetting (or a physician's sign-off) for those under 75.

I wish that for age 75+ coverage they'd allow earlier decision making. The way it is, their decision would already be within final payment/full penalty for most cruises.
(And if we wait until the last minute, within 60 days, it's invariably impossible to get the accommodations we want. We usually need to reserve 1-2 years in advance. That's not a problem, until the "penalty date" starts. Then it's tricky... would we release our reservation, or risk a big penalty...?
We'll have to deal with this soon.

That's part of the reason we are looking into a few of the similar services.
It's also due to "what if part of the problem is *getting* to the hospital in the first place..."

Thanks!

RM
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HIinvestor
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by HIinvestor » Tue Sep 04, 2018 6:27 pm

Over the phone, the nice folks I talked with didn't seem to think that they disqualify or even have exclusions for many policies of folks who are 75 or older. We haven't applied, since we don't have a trip purchased yet and probably won't buy one unless the prices fall (right now they're quite high from HI to where we want to go). If they have a nice sale, we will go but otherwise, our next trip isn't until Nov/Dec and it's not out of country. Somehow, it doesn't concern me much to be hospitalized in the big cities that likely have better medical care than my home state. My insurance will cover care as well,as long as it's in network.

H is the one who is over 75, and he's quite healthy, never been hospitalized, all his health issues are stable and well-controlled (no changes of Rx in years). It should be OK. I on the other hand have more medical conditions but am well under 75.

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StevieG72
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by StevieG72 » Tue Sep 04, 2018 6:42 pm

Watch a few episodes of Bad Trips Abroad on Netflix and you will be getting evacuation insurance. A few of the episodes recap folks with injuries in third world countries where the medical standards are frightening.

Really depends on where you travel, but I always purchase medical evacuation insurance.
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WhyNotUs
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by WhyNotUs » Tue Sep 04, 2018 6:47 pm

I use DAN, as we are divers, and Chase Sapphire Reserve coverage

note: we have never filed a claim on either but know a couple people who benefitted greatly from DAN insurance after dive issues.
I own the next hot stock- VTSAX

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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by CedarWaxWing » Tue Sep 04, 2018 7:36 pm

Ged wrote:
Tue Jul 31, 2018 7:43 pm
mbres60 wrote:
Tue Jul 31, 2018 7:33 pm
You only asked about medical evacuation but you both are of Medicare age. Medicare does NOT cover outside the US although I understand there may be some limited coverage under some plans.
I always purchase medical coverage for cruise travel. However it is worth noting that medigap plans often cover emergency health care outside the US.
https://www.medicare.gov/supplement-oth ... ravel.html

Medigap DOES cover some emergency costs over seas apparently.

"Your Medigap policy may offer additional coverage for health care services or supplies that you get outside the U.S."

"Standard Medigap Plans C, D, F, G, M, and N provide foreign travel emergency health care coverage when you travel outside the U.S."

"Plans E, H, I, and J are no longer for sale, but if you bought one before June 1, 2010 you may keep it. All of these plans also provide foreign travel emergency health care coverage when you travel outside the U.S."

HIinvestor
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Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Post by HIinvestor » Tue Sep 04, 2018 7:47 pm

If you are more “off the beaten path,” you may wish to look at some of the other insurers in the article posted earlier in this thread like nomads, ripcord and others to be able to get from wherever you end up to a hospital that has a road and an airport where medjetassist air ambulances and land and take off.

We don’t do adventure travel, we stick mostly to big cities (tho some national parks too).

Maybe having cancel for any reason insurance might h useful if you aren’t sure you’ll qualify for med evacuation coverage.

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