• The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 30 years!

    Join Tens of Thousands of other Owners just like you here to get any and all Timeshare questions answered 24 hours a day!
  • TUG started 30 years ago in October 1993 as a group of regular Timeshare owners just like you!

    Read about our 30th anniversary: Happy 30th Birthday TUG!
  • TUG has a YouTube Channel to produce weekly short informative videos on popular Timeshare topics!

    Free memberships for every 50 subscribers!

    Visit TUG on Youtube!
  • TUG has now saved timeshare owners more than $21,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $21 Million dollars
  • Sign up to get the TUG Newsletter for free!

    60,000+ subscribing owners! A weekly recap of the best Timeshare resort reviews and the most popular topics discussed by owners!
  • Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    All T-shirt options here!
  • A few of the most common links here on the forums for newbies and guests!

[ 2013 ] Travel Insurance

riverdees05

TUG Member
Joined
Jun 6, 2005
Messages
4,025
Reaction score
35
Points
434
Location
Middle TN
We are over 65 live in Nashville, TN and are on Medicare. We have a week long trip this summer to Canada and looking for recommendations on travel insurance for our trip. Mainly concerned about medical, but depending on price might cover some of the other parts like flights, etc.
 

Passepartout

TUG Review Crew: Veteran
TUG Member
Joined
Feb 10, 2007
Messages
28,462
Reaction score
17,213
Points
1,299
Location
Twin Falls, Eye-Duh-Hoe
Read the stickies and compare features/price.
 

chickenfoot

TUG Member
Joined
Apr 4, 2010
Messages
51
Reaction score
0
Points
216
Location
Newport Beach, CA
go to this website: www.squaremouth.com

I would suggest a plan that pays "primary" for medical expenses and includes medical evacuation if you are hospitalized for any reason.

Travelex has good policy terms.
 

Timeshare Von

TUG Review Crew: Expert
TUG Member
Joined
Mar 13, 2006
Messages
7,031
Reaction score
1,637
Points
599
Location
Milwaukee, WI
Resorts Owned
Wyndham (77k points at Myrtle Beach/Westwinds)
InsureMyTrip.com is a great resource for investigating travel insurance and buying a policy. Be very careful to read the fine print, however, as many require purchasing at the time that you make your first payment on your trip (airline tix, activities, hotel, etc). This is especially important regarding the preexisting conditions clauses. You may find that the policy(ies) available to you will be of little value given how close to your travel date you are considering buying a policy.
 

jeptharussell

newbie
Joined
Mar 23, 2013
Messages
4
Reaction score
0
Points
0
We are over 65 live in Nashville, TN and are on Medicare. We have a week long trip this summer to Canada and looking for recommendations on travel insurance for our trip. Mainly concerned about medical, but depending on price might cover some of the other parts like flights, etc.
These days, One of the main sources of everything what you wanted to know is in the internet. I think the best thing you do is search in internet or do a referrals so that you really know what you wanted to know about your long trip in Canada.
 

chunkygal

TUG Review Crew
TUG Member
Joined
Jul 3, 2011
Messages
446
Reaction score
55
Points
238
Location
North Georgia Mtns
Resorts Owned
DVC BWV 215 pts

MVC Kauai, Wioahai

Enrolled in DC
I have used insure my trip many times and there are bare bones to Cadillac options.
 

bellesgirl

TUG Review Crew: Veteran
TUG Member
Joined
Jun 6, 2005
Messages
1,034
Reaction score
6
Points
398
Location
Farmington Hills, MI
My husband is on Medicare and I have always bought travel insurance when we travel outside the US. We have a trip to England in August and I was all set to buy a policy from Allianz. They seem to be the only one who has affordable primary medical. As I was reading through the details of the policy it said:

"Important, This is primary coverage.

If you're eligible for benefits or compensation through a government-funded program other than Medicaid, you don't qualify for this coverage."

Doesn't this mean it would not cover my husband since he is on Medicare -that is the whole point of getting primary coverage? Now what?

Update - it looks like Travel Safe Classic is an option - they are primary and do not have that exclusion. Has anyone dealt with them?
 
Last edited:

isisdave

TUG Member
Joined
Jun 6, 2005
Messages
2,762
Reaction score
1,284
Points
548
Location
Evansville IN
Resorts Owned
Marriott Waiohai
You should call them. If you're out of the country, you don't qualify for any Medicare benefits, so their coverage should apply. But the words sound suspicious. But if you're out of the country, Medicaid doesn't either, so what's up with all that?
 

bellesgirl

TUG Review Crew: Veteran
TUG Member
Joined
Jun 6, 2005
Messages
1,034
Reaction score
6
Points
398
Location
Farmington Hills, MI
You should call them. If you're out of the country, you don't qualify for any Medicare benefits, so their coverage should apply. But the words sound suspicious. But if you're out of the country, Medicaid doesn't either, so what's up with all that?

I think his Medigap policy has a Lifetime limit of $50K for foreign medical emergencies. So it is kind of a gray area, whether he has Medicare benefits. I think it is best to stay away from Allianz, because I don't really trust what some phone agent tells me. Interesting, since Allianz is what I have purchased on the last several trips.:eek:
 

bellesgirl

TUG Review Crew: Veteran
TUG Member
Joined
Jun 6, 2005
Messages
1,034
Reaction score
6
Points
398
Location
Farmington Hills, MI
I made some phone calls and this is what I found out. Allianz medical would cover my husband because Medicare will not cover him outside the US. And, although he has a Medigap policy through BCBS, that does not matter because BCBS is not the govt. But then I found InsureAssist Premiere through Nationwide. It is better coverage, higher rated, also primary medical, and basically the same price as Allianz. I also called them to make sure I was not missing any fine print disclaimers. That is the policy I got. Done!
 
Joined
Sep 24, 2011
Messages
2,985
Reaction score
1,159
Points
348
Location
Deltona Florida
I sell Medicare Advantage plans in Florida, and the information is correct. Medicare (Federal) and Medicaid (State) do not work outside the US, while some - not all - plans may cover outside the USA. So, to avoid confusion, it's best to get either of the plans mentioned above.

TS
 

Amy

TUG Member
Joined
Jun 7, 2005
Messages
999
Reaction score
0
Points
226
Location
Pacific NW
I made some phone calls and this is what I found out. Allianz medical would cover my husband because Medicare will not cover him outside the US. And, although he has a Medigap policy through BCBS, that does not matter because BCBS is not the govt. But then I found InsureAssist Premiere through Nationwide. It is better coverage, higher rated, also primary medical, and basically the same price as Allianz. I also called them to make sure I was not missing any fine print disclaimers. That is the policy I got. Done!

Thank you for sharing this info. I'm going to take a look at that Nationwide plan to see if the details fit my needs. I am shopping for medical insurance coverage for my mom, as I'd like to take her on a trip to Canada. I shopped via insuremytrip and found the same fine print for the Allianz policy, which gave me pause. I'm having trouble finding a primary medical coverage that works as the fine print of other options all suggest they only cover illnesses that "first manifest" during the trip (or language to that effect); but our concern is to cover emergency medical care for my mom's chronic liver problems.
 

radmoo

TUG Member
Joined
Oct 7, 2007
Messages
915
Reaction score
1
Points
228
Location
Melrose, MA
Does anyone have info re roamright insurance? We will be at Royal Haciendas for 2 weeks and main concern would be medical evacuation. I have just opted out from employer sponsored CIGNA in favor of CHAMP VA as hubby is disabled Vet. He is now solely covered by VA and Medicare. The CHAMP VA rep did say that expenses incurred outside US would have to be paid out of pocket but are reimburse able. Would it be same re VA?
 
Top