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Travel Insurance? Don't!


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#21 penfrydd

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Posted 04 December 2013 - 12:49 AM

The only time I purchase travel insurance it's actually flight accident insurance.  It's the only way I can tolerate flying (along with Lorazapam and a few drinks...)  I know it's not logical, but I am way more at ease once I have that insurance.  I guess if the plane goes down, I will have finally provided for my family, something other than love and guidance.



#22 VentureForth

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Posted 04 December 2013 - 06:18 AM

In those rare cases, I would assume that the airlines pay compensation to stave off or in response to class action lawsuits.

14,223 Amtrak Miles. Many more to go.
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Also Ridden: Carolinian, Crescent, Pacific Surfliner, Piedmont, Southwest Chief, Silver Meteor, Silver Star, Texas Eagle


#23 Everydaymatters

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Posted 04 December 2013 - 07:19 AM

 

I always read the terms and conditions before I decide if it's worth it. It's the same way I decide if I want to keep paying for comp/collision on my vehicle or if it's time to switch to liability-only. At some point, the premium is going to be at or near the value of the car if it's totaled, and that's the time to switch to liability-only.

 
You always read the insurance contract before purchasing? In my experience the short version can be twenty or more pages and they don't even provide that until after I've bought the insurance. Or at least I couldn't figure out how to find and read it. Then again I don't work for an insurance company so maybe I'm just ignorant of how this is supposed to work. If you'd be willing to post an insurance contract and explain how to evaluate the legally binding terms and conditions to the rest of us I'd be interested in learning how this works.

 

 

 

Travel insurance does cover truly legitimate claims.


Source?

Let's face it, the travel insurance market is full of loopholes that are obvious to them and opaque to us.

Here you are defending them but you can't even bother to do so under a registered account. Color me unimpressed.


I rarely buy insurance for trips involving Amtrak because...

1. I use points on Amtrak, and buying travel insurance for points will not reimburse you in money or points.

2. I've never been able to determine if Amtrak is considered a "common carrier" when buying flight insurance.

 


Amtrak would be considered a common carrier; and unless you are talking about crash insurance, your policy should apply to the whole trip.

 

 
Source?

 

I also have wondered about Amtrak being considered a common carrier.  When I was planning a cruise and return from Seattle via Amtrak, I called the insurance company and asked that question.  The lady hemmed and hawed and without conviction said yes, Amtrak is considered a common carrier.  I was uneasy about it, but fortunately, there was no reason to file a claim.


Routes Traveled: Desert Wind, Southwest Chief, Missouri Mule, Empire Builder, Capitol Ltd., Lincoln Service, Lake Shore Ltd., Missouri River Runner, City of New Orleans, Cardinal, Silver Meteor, Texas Eagle, Cascades, Broadway Ltd., Acela, Downeaster, Sunset Ltd., Coast Starlight, California Zephyr, Hiawatha, Capitol Corridor, Maple Leaf   74,291 Amtrak miles.  Via Rail Vancouver to Toronto 2775 Miles.

#24 Guest_Guest_*

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Posted 04 December 2013 - 08:14 AM

I also have wondered about Amtrak being considered a common carrier.  When I was planning a cruise and return from Seattle via Amtrak, I called the insurance company and asked that question.  The lady hemmed and hawed and without conviction said yes, Amtrak is considered a common carrier.  I was uneasy about it, but fortunately, there was no reason to file a claim.


Be careful of any restrictions. I believe you have to arrive the day before the cruise ship departure (no more, no less), or the insurance doesn't cover a missed connection.

#25 I always rode the Southern

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Posted 04 December 2013 - 08:47 AM

Booked a 7 day cruise in 2008 and because my mother was in a nursing home, decided to take the less than $30 trip insurance option, just in case.  Our last port was cozumel and returning to the ship I tripped, fell and fractured my shoulder x3.  The insurance paid for the medical costs and pain meds provided by ships Dr.(which my med insurance didn't cover) and all of my copays for treatment, which included several months of physical therapy, and massage therapy, which my insurance didn't cover at all.  Very happy I took that coverage.



#26 Devil's Advocate

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Posted 04 December 2013 - 10:42 AM

I'm all for more data points but please keep the following key points in mind.

1. If you never had to actually use your insurance then it's not really a relevant data point.

2. If you DID have to use your insurance then PLEASE include the seller, insurer, and underwriter.

Thanks!

Edited by Devil's Advocate, 04 December 2013 - 10:59 AM.

If I had a tumor I'd name it Marla.


#27 I always rode the Southern

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Posted 04 December 2013 - 11:50 AM

I'm all for more data points but please keep the following key points in mind.

1. If you never had to actually use your insurance then it's not really a relevant data point.

2. If you DID have to use your insurance then PLEASE include the seller, insurer, and underwriter.

Thanks!

I would have included the insurer, but can't remember the name.  It was offered when I booked the cruise with Costa, as part of the package.

 

edit to add I can tell you they gave me no problems at all.  I sent in receipts and they paid no questions asked.  


Edited by I always rode the Southern, 04 December 2013 - 11:53 AM.


#28 VentureForth

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Posted 04 December 2013 - 12:53 PM

 

I'm all for more data points but please keep the following key points in mind.

1. If you never had to actually use your insurance then it's not really a relevant data point.

2. If you DID have to use your insurance then PLEASE include the seller, insurer, and underwriter.

Thanks!

 
That's not necessarily true. It would serve to determine what percentage of purchases are actually needed. Insurance is purchased to mitigate risk. If 100 policies are purchased and only one is redeemed, the risk is low. However, if the number of purchases is 25 and 10 are redeemed, the risk seems to be much greater. If you put all the people that bought a policy and didn't use it in the same bucket as those who didn't, then you have to conversely include all those who didn't buy the policy that would have benefited to get a good feel for the risk.

A data point is never irrelevant. It's simply more data.

Edited by VentureForth, 04 December 2013 - 12:54 PM.

14,223 Amtrak Miles. Many more to go.
Completed Routes: Capitol Limited, Palmetto
Also Ridden: Carolinian, Crescent, Pacific Surfliner, Piedmont, Southwest Chief, Silver Meteor, Silver Star, Texas Eagle


#29 Devil's Advocate

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Posted 04 December 2013 - 01:30 PM

I'm all for more data points but please keep the following key points in mind.

1. If you never had to actually use your insurance then it's not really a relevant data point.

2. If you DID have to use your insurance then PLEASE include the seller, insurer, and underwriter.

Thanks!

 
That's not necessarily true. It would serve to determine what percentage of purchases are actually needed. Insurance is purchased to mitigate risk. If 100 policies are purchased and only one is redeemed, the risk is low. However, if the number of purchases is 25 and 10 are redeemed, the risk seems to be much greater. If you put all the people that bought a policy and didn't use it in the same bucket as those who didn't, then you have to conversely include all those who didn't buy the policy that would have benefited to get a good feel for the risk.

A data point is never irrelevant. It's simply more data.


Data is never irrelevant?

That's almost like a hoarder saying trash is never irrelevant.

As someone who is forced to manage terabytes of digital trash as part of their job I would beg to differ.

Edited by Devil's Advocate, 04 December 2013 - 01:30 PM.

If I had a tumor I'd name it Marla.


#30 tonys96

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Posted 04 December 2013 - 07:05 PM

My trip this January will cost $3000, travel insurance $34.  Why not? 

Be sure to look at the face amount of the coverage. I do not think it is $3000.


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#31 lionelhoguy

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Posted 04 December 2013 - 10:06 PM

Good call, we have coverage for about half.  I should have read the policy before.  I guess I just assumed that it would cover the whole cost.


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#32 Guest_Nathanael_*

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Posted 04 December 2013 - 11:04 PM

Booked a 7 day cruise in 2008 and because my mother was in a nursing home, decided to take the less than $30 trip insurance option, just in case.  Our last port was cozumel and returning to the ship I tripped, fell and fractured my shoulder x3.  The insurance paid for the medical costs and pain meds provided by ships Dr.(which my med insurance didn't cover) and all of my copays for treatment, which included several months of physical therapy, and massage therapy, which my insurance didn't cover at all.  Very happy I took that coverage.

When you're travelling *out of the US*, you are quite likely to need travel insurance to cover *medical costs*, because most American medical insurance (which is consistently awful) won't cover out-of-US medical costs *at all*.

 

Actually, if your medical insurance is an HMO with a severely restricted network of providers (very common -- crappy, crappy US insurance), you may need travel insurance within the US for the same reason -- if you are travelling to an area where your medical insurance won't pay for anything.

 

I mentioned this already -- you need medical cover.  But travel insurance *is largely for medical costs*.  If you expect your medical costs to be covered by your standard medical insurance, then there's little or no point in travel insurance, and there's no point in it for other types of costs - get refundable tickets and reservations instead.



#33 Bob Dylan

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Posted 04 December 2013 - 11:11 PM

True the Medical Insurance and Refundable or Changeable Reservations Comments! Whether for Transportation or Hotels, It's  ithe Only Way to Travel!!! ;)


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#34 me_little_me

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Posted 05 December 2013 - 05:59 PM

In many cases, the insurance is overpriced because much is refundable or changeable.

 

My big issue with the insurance and with those defending the "pre-existing conditions" issue is that this is often used by insurance companies to evade paying. Many state that if you saw a doctor about it withing the last six months (or more for some companies), then it is pre-existing. So if I see my doctor for an issue, even if it turns out to be a non-problem or if it is a checkup (with good results) and then suddenly have an unexpected but "related" problem, they refuse to pay.

 

Many CCs cover the same things with similar conditions at no charge including, effective recently, my Chase Amtrak card.



#35 mjaynes288

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Posted 06 December 2013 - 02:38 AM

If you are worried about the preexisting conditions exclusions shop around. There are policies that will waive it if you insure your trip in the full amount within 14 or 21 days of booking or first payment. If the cost of the trip goes up you have to add value to the policy. I have bought travel insurance incase of out of country medical treatment and/or evacuation. A policy is totally useless if it does not cover preexisting conditions.

 

I use Squaremouth to find travel insurance. I read the plain English summary. Then I read the entire contract. There are always interesting things in there. Know what you are buying.



#36 Guest_Guest_*

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Posted 06 December 2013 - 07:20 AM

So if I see my doctor for an issue, even if it turns out to be a non-problem or if it is a checkup (with good results) and then suddenly have an unexpected but "related" problem, they refuse to pay.


I don't believe that is true. The doctor would have had to noted in his/hers records that they found a serious medical problem during the "good" checkup.

Again, as in the one true case I know of, the person had terminal cancer, later died of that cancer, and the family was subsequently denied a claim for the non-refundable travel costs of the trip they never took. The insurance company was not being sneaky or unreasonable. The terminal cancer was indeed a pre-existing condition at the time of booking the trip.
 

Many CCs cover the same things with similar conditions at no charge including, effective recently, my Chase Amtrak card.


Now there is a good example of exclusions.

#37 cargo13

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Posted 15 July 2017 - 04:01 PM

Our travel insurance provider CSA changed names to GENERALI    and they have additional services for travelers--identity theft protection for 6 months after departure of your trip & a Teladoc service for connecting to a physician over their app.  We used both on a train trip through Canada.  

 

www.generalitravelinsurance.com

 

 

Someone spoofed our credit card.  And I got a skin infection on my hand.  GENERALI    solved both problems with their coverages.  I would buy again but these could be edge cases.



#38 neroden

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Posted 15 July 2017 - 08:58 PM

FWIW "common carrier" is a very old legal definition which means they'll take anyone. The alternative is only taking members of a particular club, employes of a particular company, etc.
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#39 Skyline

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Posted 15 July 2017 - 11:19 PM

I've never seen the point of travel insurance.  (Health insurance for foreign travel is another matter.)  ALWAYS get refundable tickets.

Agree on foreign health insurance. I recently spent 10 days in Canada (including 4+ days on The Canadian), and though I have good health insurance in the US (Medicare plus supplement), it is basically useless in Canada. I was able to purchase a 10-day policy good in Canada for about $55, and it seemed to cover everything with no deductible and a high ceiling. Thankfully I didn't need to use it, but one major health incident that I'd have to pay for out-of-pocket could have wiped out my retirement.



#40 Skyline

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Posted 15 July 2017 - 11:20 PM

FWIW "common carrier" is a very old legal definition which means they'll take anyone. The alternative is only taking members of a particular club, employes of a particular company, etc.

Not only will they take anyone, they have to.






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