Trip insurance

[Tkelly]

We are considering the Guzzi tour of Sicily in October,then a trip to Greece for a cruise.Has anyone bought such insurance ,has it been good,what would it cover and would you do it again?

[Huzo]

We are considering the Guzzi tour of Sicily in October,then a trip to Greece for a cruise.Has anyone bought such insurance ,has it been good,what would it cover and would you do it again?

Every single time for 6 Europes.
Tourinsure.
I rang up after the first year and Heidimarie asked me if I still had my Norge…!
Because all the details lined up, I just said “2 months please”, and sent the money through. The green documents landed at the London depot one week later…
Those Germans…Das is Goot…!

[Perazzimx14]

We are considering the Guzzi tour of Sicily in October,then a trip to Greece for a cruise.Has anyone bought such insurance ,has it been good,what would it cover and would you do it again?

Trip insurance as in insurance to cover the trip if you cannot make it or have to leave early or trip insurance as in health insurance if there is a accident or medical issue?

I am going to Canada in a few weeks and am debating on getting medical insurance.

[Tkelly]

Trip insurance as in insurance to cover the trip if you cannot make it or have to leave early or trip insurance as in health insurance if there is a accident or medical issue?

I am going to Canada in a few weeks and am debating on getting medical insurance.

All of the above.Medicare doesn’t cover us in EuropeI hear.

[moto]

There is yet another kind of insurance that evacuates you back to the States if you are not able to take a regular airplane because of your condition following an accident or I suppose a sickness. (My father had such a policy, he told me.) What, me worry?

Might be worth considering.

[Tkelly]

Yep,saw that .

[Kev m]

As a rule of thumb we tend to self-insure consumer purchases (no extended warranties etc).

But when we took the kids to Ireland (and were supposed to go to Italy too, including Lake Como) back in early 2020 something made me say "yeah, get the trip insurance".

And I'm happy to say we got a couple of thousand back to cover our evacuation flight from Ireland which was shutting down for - restrictions.

Maybe a fluke, but I'm thinking I might buy travel insurance again.

[Joliet Jim]

When I was younger I never worried about health insurance when traveling. Last year we were in Ireland for three weeks and Canada for another three. No med insurance just trip insurance on the Ireland trip. Canada was prior. Next time we'll be buying a package that covers trip interruption, med, and auto. That said there are still plenty of places in the US I still need to see.

[Tkelly]

As a rule of thumb we tend to self-insure consumer purchases (no extended warranties etc).

But when we took the kids to Ireland (and were supposed to go to Italy too, including Lake Como) back in early 2020 something made me say "yeah, get the trip insurance".

And I'm happy to say we got a couple of thousand back to cover our evacuation flight from Ireland which was shutting down for - restrictions.

Maybe a fluke, but I'm thinking I might buy travel insurance again.

who did you deal with?

[kingoffleece]

My sister is a professional cruise ship agent.  She has hundreds of stories that confirm the need for trip insurance as lots of unexpected things happen.
I also use MedJet.  They will arrange for travel back to to the USA if needed.  300 or so bucks a year vs maybe 100K if you really needed it.  As a bonus, it's valid for all your travels.  There ARE a few sticking points to be aware of with MedJet but if you needed it the potential to save literately 6 figures is covered.

[Kev m]

who did you deal with?

Sorry, I have no idea (not my department in the marital division of labor) - I THINK it was something through one of the big travel websites.

It was also the last time we booked flights through one of the big travel websites, because the airlines were not cooperative. If we had booked direct there was more they'd have been willing to do.

[Perazzimx14]

Just bought travel insurance to Canada. Didn't really care about trip cancellation/interruption, baggage reimbursement, car rental damage etc was more interested in the medical coverage/limits and evacuation parts of the policy.


$41.00 to cover 12 days of travel with the highlights below. Fingers crossed the insurer made $41.00 and I don't need to use the policy. 

Non - Medical Emergency Evacuation   $150,000
Accident and Sickness Medical Expense $100,000
Dental Sublimit   $ 750
Emergency Evacuation/Medically Necessary $ 1,000,000

   

[paulbricey]

Just make sure you choose 'motorcycle travel insurance' - normal travel insurance may well not cover accidents on/with motorbikes......sin ce the Guzzi tour already includes 3rd party insurance, not sure how to avoid double-dipping on that.

Either way, the tour looks fantastic & hits all the best places 

[Tkelly]

Just bought travel insurance to Canada. Didn't really care about trip cancellation/interruption, baggage reimbursement, car rental damage etc was more interested in the medical coverage/limits and evacuation parts of the policy.


$41.00 to cover 12 days of travel with the highlights below. Fingers crossed the insurer made $41.00 and I don't need to use the policy. 

Non - Medical Emergency Evacuation   $150,000
Accident and Sickness Medical Expense
Dental Sublimit   $ 750
Emergency Evacuation/Medically Necessary $ 1,000,000

Bargain!

[Tom]

I got mine through Emergency Assistance Plus.  Good program but it's through the American Legion. 

[Perazzimx14]

Exclusions and limitations:

Benefits are not payable for any loss due to, arising or resulting from:

1. suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling
Companion, Family Member or Business Partner booked to travel with You, while sane or
insane;
2. an act of declared or undeclared war;
3. participating in maneuvers or training exercises of an armed service, except while participating
in weekend or summer training for the reserve forces of the United States, including the
National Guard;
4. riding or driving in races, or speed or endurance competitions or events;
5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of
picks, ropes, or other special equipment);
6. participating as a member of a team in an organized sporting competition or participating as a
professional in a stunt, athletic or sporting event or competition;
7. participating in bodily contact sports, skydiving or parachuting except parasailing, hang
gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing,
spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are
not certified to dive and a dive master is not present during the dive;
8. piloting or learning to pilot or acting as a member of the crew of any aircraft;
9. being Intoxicated as defined herein, or under the influence of any controlled substance unless
as administered or prescribed by a Legally Qualified Physician;
10. the commission of or attempt to commit a felony or being engaged in an illegal occupation;
11. normal childbirth or pregnancy (except Complications of Pregnancy or as specifically provided
under Trip Cancellation/Trip Interruption) or voluntarily induced abortion;
12. dental treatment (except as coverage is otherwise specifically provided herein);
13. amounts which exceed the Maximum Benefit Amount for each coverage as shown in the
Confirmation of Benefits;
14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation
does not apply to the Emergency Medical Evacuation or return of remains coverage;
15. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar
law;
16. a loss or damage caused by detention, confiscation or destruction by customs;
17. Elective Treatment and Procedures;
18. Complications from Elective Treatment and Procedures otherwise not payable under this
Policy;
19. medical treatment during or arising from a Trip undertaken for the purpose or intent of
securing medical treatment;
20. a mental or nervous condition, unless hospitalized for that condition while the Policy is in
effect for You;
21. due to loss or damage (including death or injury) and any associated cost or expense resulting
directly from the discharge, explosion or use of any device, weapon or material employing or
involving chemical, biological, radiological or similar agents, whether in time of peace or war,
and regardless of who commits the act and regardless of any other sequence there

[Tkelly]

Thanks,what Company?

[Perazzimx14]

Thanks,what Company?

Travel Insured International

[Vagrant]

Was there an age restriction? Most stop at 75.

[Perazzimx14]

Was there an age restriction? Most stop at 75.

I won't be able to answer that question until 2049.