Q – Much of what you cover on your “Traveltruth Media” sites makes sense and we feel travel educated when we spend some time reading the postings. But there is an exception. Travel insurance just confuses the hell out of me. I am 71 years old, both my wife and I are cancer survivors, and we both go a full 18 holes a few times a week. So, we are in pretty good shape. As we start doing even more touring around the world, in general, how would you advise us to approach travel insurance? And remember – please keep it simple.
A – Understood. Technically, it is against the law in most states for a non-licensed insurance agent to make insurance recommendations. Of course, we do it anyway.
Per your request to keep it simple: Take out a policy with one of the very best private insurance companies that offers at least $500,000 in medical evacuation coverage. The trick is to use one of the top-grade insurance firms that gives you extended coverage if you take out the policy within three weeks to a month of your deposit. The specific benefit you want is the waiver of pre-existing coverage. That means that if your previous condition acts up and you need to cancel, you would be covered even though the medical reason is based on a recurrence of a prior condition.
We go a step further with our clients. We urge them to consider the state of medicine in the countries they will be visiting. Would they be comfortable with the level of medical care, surgery, hospitals, etc. if there was a medical emergency during their travels? If the answer is “no,” we think our clients should seriously consider medical evacuation coverage from a company like Med-Jet.
