Trip Insurance - International Trip w/ recent Kidney Donor
#1
Original Poster
Join Date: Aug 2001
Location: denver
Posts: 233
Trip Insurance - International Trip w/ recent Kidney Donor
I have been trying to obtain Trip Insurance for a trip I am leading to Guatemala.
One of the people on the trip, donated a kidney approximately 6 weeks ago.
Obviously I'd like to have good trip insurance. My guess is the main concern would be medical extraction back to the US etc...
I've been searching on squaremouth.com and weeded out a bunch that didn't cover Pre-Existing conditions. I've been emailing different companies and they all say they would not cover a Kidney donor. (They say it's an 'Exclusion'.. even though I can't find it in their policies.)
Any recommendations?
PS - I'm not worried about trip cancelation etc... I have purchased the flights etc using the United Card.
https://www.chase.com/online/Credit-...ection-new.htm
Travel Protection*
The MileagePlus Explorer Card provides you with comprehensive travel protection benefits that give you peace of mind while traveling near and far.
Baggage Delay Insurance
If you experience a baggage delay, you can be reimbursed for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Lost Luggage Reimbursement
If you or your immediate family members' checked or carry-on bags are damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses made with your MileagePlus Explorer Card, such as meals and lodging, up to $500 per ticket.
Trip Cancellation/Trip Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 for your pre-paid, non-refundable travel expenses made with your MileagePlus Explorer Card, including passenger fares, tours, and hotels.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with your MileagePlus Explorer Card, you're covered for accidental death or dismemberment during your trip, from the moment you leave home until you return.
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your MileagePlus Explorer Card. Coverage is primary and is provided for theft and collision damage for most cars in the U.S. and abroad.
One of the people on the trip, donated a kidney approximately 6 weeks ago.
Obviously I'd like to have good trip insurance. My guess is the main concern would be medical extraction back to the US etc...
I've been searching on squaremouth.com and weeded out a bunch that didn't cover Pre-Existing conditions. I've been emailing different companies and they all say they would not cover a Kidney donor. (They say it's an 'Exclusion'.. even though I can't find it in their policies.)
Any recommendations?
PS - I'm not worried about trip cancelation etc... I have purchased the flights etc using the United Card.
https://www.chase.com/online/Credit-...ection-new.htm
Travel Protection*
The MileagePlus Explorer Card provides you with comprehensive travel protection benefits that give you peace of mind while traveling near and far.
Baggage Delay Insurance
If you experience a baggage delay, you can be reimbursed for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Lost Luggage Reimbursement
If you or your immediate family members' checked or carry-on bags are damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses made with your MileagePlus Explorer Card, such as meals and lodging, up to $500 per ticket.
Trip Cancellation/Trip Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 for your pre-paid, non-refundable travel expenses made with your MileagePlus Explorer Card, including passenger fares, tours, and hotels.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with your MileagePlus Explorer Card, you're covered for accidental death or dismemberment during your trip, from the moment you leave home until you return.
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your MileagePlus Explorer Card. Coverage is primary and is provided for theft and collision damage for most cars in the U.S. and abroad.
Last edited by caseynshan; Jul 31, 2014 at 7:45 pm Reason: added space for clarity
#3
Senior Moderator
Join Date: Oct 2001
Location: San Francisco, CA
Programs: UA Plat/2MM [23-yr. 1K, now emeritus] clawing way back to WN-A List; MR LT Titanium; HY Whateverist.
Posts: 12,390
As trip and travel insurance are often discussed in the Travel Products forum, please follow the thread as it moves there. Ocn Vw 1K, Moderator, TravelBuzz.
#4
Original Poster
Join Date: Aug 2001
Location: denver
Posts: 233
It is triple the price of others, but maybe because it does cover some.
We will not pay for loss or expense caused by or
incurred resulting from a Pre-Existing Condition,
as defined in the plan, including death that results
therefrom. This Exclusion does not apply to benefits
under covered expenses for emergency medical
evacuation or repatriation of remains of the Medical
Protection coverage.
We will not pay for loss or expense caused by or
incurred resulting from a Pre-Existing Condition,
as defined in the plan, including death that results
therefrom. This Exclusion does not apply to benefits
under covered expenses for emergency medical
evacuation or repatriation of remains of the Medical
Protection coverage.
#5
A FlyerTalk Posting Legend
Join Date: Sep 2009
Location: Minneapolis: DL DM charter 2.3MM
Programs: A3*Gold, SPG Plat, HyattDiamond, MarriottPP, LHW exAccess, ICI, Raffles Amb, NW PE MM, TWA Gold MM
Posts: 100,327
It sounds like the OP has booked everyone's ticket with his/her own United Card. If so, OP should read the T&C carefully as it might cover family members but not necessarily a more general group unless each ticket was paid with the United Card.
Unless OP has special knowledge, perhaps he/she shouldn't advise the kidney donor regarding travel medical insurance. He should insist that the person be covered, but finding or suggesting policies would seem to require specialized knowledge.
In fact, is it generally medically advisable for a recent kidney donor to undertake inessential travel to a third world country? Will the group go to isolated or rural areas where good competent medical care might not be available or where an emergency medical evacuation is likely to be delayed?
Unless OP has special knowledge, perhaps he/she shouldn't advise the kidney donor regarding travel medical insurance. He should insist that the person be covered, but finding or suggesting policies would seem to require specialized knowledge.
In fact, is it generally medically advisable for a recent kidney donor to undertake inessential travel to a third world country? Will the group go to isolated or rural areas where good competent medical care might not be available or where an emergency medical evacuation is likely to be delayed?
#6
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,262
This is tremendous advice. Each group member ought to be required to provide OP with proof of coverage, but OP should leave it to each group member to obtain the coverage which the individual believes he needs.
If something goes wrong, the financial consequences of a medical evacuation flight or lengthy hospitalization will fall on the individual, not OP.
If something goes wrong, the financial consequences of a medical evacuation flight or lengthy hospitalization will fall on the individual, not OP.
#7
Join Date: Feb 2001
Location: Rio Rancho, NM - USA
Programs: DL, UA, WN, Amtrak, Hyatt, Accor
Posts: 1,793
Check MedJet Assist, which is just for evacuation. I have an annual policy which covers my husband and me. It's more or less the gold standard for evacuation insurance and is considered a membership rather than "insurance." After a previous experience with insufficient evacuation coverage, I am sold on MedJet Assist.