Travel Insurance
Apr 21, 2013, 11:54 pm
#1
Original Poster
Join Date: Mar 2013
Posts: 19
Travel Insurance
Which travel insurance do you usually purchase or would you recommend?
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
Apr 22, 2013, 6:56 am
#2
FlyerTalk Evangelist
Join Date: Dec 2000
Location: south of WAS DC
Posts: 10,131
Which travel insurance do you usually purchase or would you recommend?
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
this subject has been beaten to death. find a recent thread with references
Apr 22, 2013, 7:00 am
#3
Join Date: May 2010
Programs: Delta Kryptonium
Posts: 1,144
I always use insuremytrip.com - it is an online brokerage that represents about 25 companies and allows you to easily compare rates & benefits (which you have to look at carefully). They also have great customer service, if you need it, to help you pick a plan. I use them on a per trip basis mostly for TATL & TPAC trips & cruises.
Apr 22, 2013, 7:21 am
#4
In Memoriam
Join Date: Feb 2000
Location: Easton, CT, USA
Programs: ua prem exec, Former hilton diamond
Posts: 31,801
Nobody can answer your question but you.
If you travel once a year, chances are the annual plans are not the best option. If you travel every other week, they may be.
Insurance is a personal thing, you need to first figure out what coverages you need, and then find something that covers those things. If you buy a program that covers things you don't need, then you are wasting money. If you buy a program that does not cover things you need, you are also wasting money.
If you travel once a year, chances are the annual plans are not the best option. If you travel every other week, they may be.
Insurance is a personal thing, you need to first figure out what coverages you need, and then find something that covers those things. If you buy a program that covers things you don't need, then you are wasting money. If you buy a program that does not cover things you need, you are also wasting money.
Apr 22, 2013, 8:29 am
#5
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,262
+1 - This is mission critical. Traveling somewhere with lousy medical care and need air evacation costing $120K? Don't expect it for $9.95 covering a night at a Motel 6 in IRROPS. Just like all insurance, determine exactly what you need, what you can afford to risk (deductible) and what you're willing to pay.
Apr 22, 2013, 8:30 am
#6
FlyerTalk Evangelist
Join Date: Nov 2009
Location: Earth. Residency:HKG formerly:YYZ
Programs: CX, DL, Nexus/GE, APEC
Posts: 10,702
Which travel insurance do you usually purchase or would you recommend?
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
My parents has an annual plan, all you can travel with Manulife, quite competitive with US only insurers. BUT They are also customer with them for a majority of their retirement product so YMMV.
Apr 22, 2013, 10:01 am
#8
Join Date: Feb 2003
Location: Reston, Virginia, USA
Posts: 653
I use DAN (Divers' Alert Network). They started by providing medical insurance for scuba divers. Now they do general trip insurance as well. Since we are geezers, medical problems can crop up to ruin a trip. DAN pays claims quickly and promptly. No fine print" "... policy in effect only on Tuesday and if you are carrying a green umbrella." None of that crap.
Apr 22, 2013, 10:21 am
#10
FlyerTalk Evangelist
Join Date: Nov 2009
Location: Earth. Residency:HKG formerly:YYZ
Programs: CX, DL, Nexus/GE, APEC
Posts: 10,702
Their policy was grandfathered to include earthquakes and volcanic eruptions, which many new policies will exempt after the Icelandic volcano and Chilean earthquake.
They were on a South America - Antarctica cruise which disembarked at SCL the day after the famous earthquake and they were stranded for 5 days with the cheapest available hotel room at the Crown Plaza going for $400/night. Manulife paid in full for extra days room, meals and incidentals before they were able to get a flight out. Others on their trip had a daily reimbursement cap of $250-300.
Apr 22, 2013, 10:59 am
#11
Join Date: Apr 2013
Programs: Ensemble, Virtuoso, FSPP & RC STARS TA
Posts: 4
Which travel insurance do you usually purchase or would you recommend?
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
I was doing a bit of research and found that you can purchase insurance per trip or multi-trip per year. It seems that going with the multitrip ends up cheaper. Any other thoughts on that?
I have seen a few people mentionning the Amex Travel Insurance. Would that be enough? I live in Vancouver, Canada if that helps in being specific.
Thanks again
Apr 22, 2013, 12:44 pm
#12
Join Date: Mar 2013
Posts: 125
I use DAN (Divers' Alert Network). They started by providing medical insurance for scuba divers. Now they do general trip insurance as well. Since we are geezers, medical problems can crop up to ruin a trip. DAN pays claims quickly and promptly. No fine print" "... policy in effect only on Tuesday and if you are carrying a green umbrella." None of that crap.
Apr 30, 2013, 9:50 am
#14
Join Date: Apr 2013
Posts: 1
It would be helpful for you to check also at one of the biggest Canadian distributor of Travel Insurance as Securiglobe.com. They have have more than 15 Insurers and more than 30 different plans to help you to fit your needs. Multitrip is often a great option if you are traveling quite often.