I had a get in touch with from a client in Salt Lake City, UT. She was prepared to sign up for an escorted Europe tour. Her concern was to have ample insurance coverage coverage, each health-related and baggage, whilst traveling via Europe.
She wanted to know if the Europe Travel Health-related Insurance coverage provided by the Europe tour operator offered ample insurance coverage. Nicely I stated the answer to this query depends on several items, and every particular person requirements to meticulously pick insurance coverage for their precise requirements.
I asked the following three queries:
1.) Are you at the moment on Medicare or does your existing health-related insurance coverage policies apply overseas? I have skilled in the previous that most of my customers report that their health-related insurance coverage, PPO or HMO do not give coverage overseas, but it is constantly prudent to verify with your existing health-related insurance coverage provider to see if you could be covered overseas. If they do cover for overseas travel, then also double verify if they cover evacuation, as that ordinarily is not covered. Most supplemental celebration insurance coverage providers place limits on evacuation to a maximum of $5000 for a return international air ticket back house. In several circumstances final minute international air tickets can price significantly additional. In my previous practical experience, the policy offered by most tour operators offered ample health-related insurance coverage when somebody is hospitalized and requirements to be evacuated (flown back house to the states.) Primarily based on my client’s scenario they have been on Medicare so that was a single purpose to seek supplemental Europe health-related travel insurance coverage, due to the fact Medicare does not extend added benefits internationally.
two.) How typically do you travel internationally? If you travel internationally typically, (or even just three instances per year) it could be less costly to go with an annual policy as an alternative of the a single provided by the tour operator. In several circumstances these policies cover you for all travel for a complete a single year period. Due to the fact I am a travel agent, I personally have a single of these policies and they are wonderful! Now primarily based on my client’s trip, they are organizing to celebrate their 35th wedding anniversary and this will be their only international trip this year, so once more the Europe travel health-related insurance coverage provided by the Europe tour operator offered what they necessary for this a single trip they have been taking.
three.) Do you have any pre-current situations? Numerous 3rd celebration travel health-related insurance coverage providers limit the quantity of any pre-current situation coverage unless you paid considerably additional to upgrade the coverage, and some did not even cover pre-current coverage. With several tour operators you are in a position to cover pre-current situations when you obtain the insurance coverage at time of deposit. At the moment, my client stated she did have diabetes but she has it below manage. Once more I reminded her that due to the fact her situation could be thought of a pre-current situation with the remote possibility it could get worse, acquiring the insurance coverage from the Europe tour operator at the similar time she pays her deposit would cover this pre-current situation.
Primarily based on the above answers to my 3 queries I hugely suggested to my customers to take the Europe travel health-related insurance coverage that is provided by the tour operator, as an alternative of going with supplemental insurance coverage from someplace else, this way they not only get a customized tour, but they are also finding a customized insurance coverage policy! I have been asking these similar queries for several years, and 9 instances out of 10 my customers and I agree to opt for the insurance coverage offered by the Europe tour operator.