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I'm leaving for Spain in less than two weeks to walk the Via de la Plata/Camino Sanabres and I'd like to have travel insurance.
I suspect that their lack of service is associated with their "free" credit card coverage. I have also had a very bad experience with them using credit card associated travel insurance while some others on here swear by them. Allianz via AAA may be better, who knows.Thank-you, @Mansup. AAA in the United States uses Allianz for travel insurance. Years ago, Allianz was great and I was a spirited advocate of their service, even citing good experiences on this forum. My recent experiences suggest however, that Allianz is not what it used to be, and far worse than I expected. For example, when I was injured in Thailand last December, I called them, and their answer was when you get home, submit a claim using the web site. Almost "don't bother us." This was in great contrast to my using them in 2016 in Spain when they went out of their way to see what help I needed, even calling me to make sure I was all right after getting treatment. And in Thailand in 2012, it was a similar good experience. No longer.
So I'm looking for alternatives. So far, it seems that AXA and HTH Worldwide are leading after searching this forum and general internet searches.
I have my medicare advantage plan with United Healthcare, so when I went to Spain I checked with them. They have a good and easy to use website and the price was reasonable. I had no claim but since they are my local insurer I felt safe.I have used Allianz for my international travel trips (Thailand, France, Spain) for the past 12 years. In my recent trip to Thailand, I had a relatively small incident that required 5 stitches in my forehead. Total cost was low (about $400 US), and I provided all hospital receipts. Now Allianz is asking for not only my airline itinerary and receipt, but also proof that the credit card used for the tickets was paid. It is getting ridiculous, and appears to be a stalling technique - every time I submit one document, another is requested. Furthermore, their operation seems to be completely offshore now - I'm not able to talk with anyone for whom English is their native language.
I'm leaving for Spain in less than two weeks to walk the Via de la Plata/Camino Sanabres and I'd like to have travel insurance.
What is a good travel insurance that is not Allianz? HTH Worldwide? Seven Corners? Others?
Thank-you and Buen Camino!
--james--
I did use Seven Corners (the insuring company I used through them was John Hancock) a couple of years ago. When Covid restrictions caused me to cancel my trip, I was able to get refunds from the airline on my own, so I asked John Hancock if they would allow me to instead use my policy the following year’s trip. They agreed. And then other circumstances forced me to cancel last year. I had purchased “cancel for any reason “ insurance (trip, medical, evacuation) and was not able to get a refund for a short Iberia flight. Iberia was not cooperative in showing I had indeed canceled my reservation ( they vacillated between I took the flight and I didn’t show up), so I couldn’t get reimbursed for it. I asked for the cost of my travel insurance to be reimbursed instead ( to extend it for another year would have cost triple the cost of the policy) and they agreed.I have been using Seven Corners but never filed a claim. Ultimately you need to hear from people who have filed claims. Most of the positive reviews for travel insurance companies are from people who never filed a claim. I stopped using World Nomads after a frustrating claims process.
I'm sorry to hear this--for your sake. And regrettably I bought Allianz for my Camino this coming May. Years ago I had a good experience with Allianz. They must have changed. I noticed that Forbes has recommendations for this kind of coverage. I looked at several of their recommendations and they were much more expensive than Allianz. You might check out Forbes.I have used Allianz for my international travel trips (Thailand, France, Spain) for the past 12 years. In my recent trip to Thailand, I had a relatively small incident that required 5 stitches in my forehead. Total cost was low (about $400 US), and I provided all hospital receipts. Now Allianz is asking for not only my airline itinerary and receipt, but also proof that the credit card used for the tickets was paid. It is getting ridiculous, and appears to be a stalling technique - every time I submit one document, another is requested. Furthermore, their operation seems to be completely offshore now - I'm not able to talk with anyone for whom English is their native language.
I'm leaving for Spain in less than two weeks to walk the Via de la Plata/Camino Sanabres and I'd like to have travel insurance.
What is a good travel insurance that is not Allianz? HTH Worldwide? Seven Corners? Others?
Thank-you and Buen Camino!
--james--
Something to consider on the Evac insurance is where they will deliver you. Some take you only to the closest Hospital in you country. So for U.S. residents that could be Miami even if you live in Seattle, etc.I have used Allianz for my international travel trips (Thailand, France, Spain) for the past 12 years. In my recent trip to Thailand, I had a relatively small incident that required 5 stitches in my forehead. Total cost was low (about $400 US), and I provided all hospital receipts. Now Allianz is asking for not only my airline itinerary and receipt, but also proof that the credit card used for the tickets was paid. It is getting ridiculous, and appears to be a stalling technique - every time I submit one document, another is requested. Furthermore, their operation seems to be completely offshore now - I'm not able to talk with anyone for whom English is their native language.
I'm leaving for Spain in less than two weeks to walk the Via de la Plata/Camino Sanabres and I'd like to have travel insurance.
What is a good travel insurance that is not Allianz? HTH Worldwide? Seven Corners? Others?
Thank-you and Buen Camino!
--james--
Have you made a claim with this company?Travel Guard
Travel Insurance | Get a Quote and Buy | Travel Guard
Travel insurance plans from Travel Guard can cover trip cancellation, travel health insurance, and more. Compare our trip insurance plans or get a quote today!www.travelguard.com
They seem to only offer their policies to Latin American countries.I do not know if you can get it in the United States but I use Mapfre Insurance
The airline should have sorted your replacement flights - why didn't this happen?Allianz is the worst. Back in July our United Flights to Spain were cancelled at the gate. We were lucky enough to find replacement flights on Air France departing two days later. The additional flight cost was
$1,800.00 each.
That makes sense that you would have to find an alternative yourself.By the way I am a seasoned traveler averaging 30 flights a year. We looked at all possible alternatives.The first available flight that United could get us out on was 5 days later. Since our hike was booked with Mac's adventures starting on a specific date there was no way we could make that work.
Just checked--they cover Spain and Portugal as well, though their site isn't the clearest.They seem to only offer their policies to Latin American countries.
I guess that I wasn't clear that they seem to only sell to residents of Latin American countries, they may well offer world coverage. Or are you saying that they also sell their policies to Spanish and Portuguese residents?Just checked--they cover Spain and Portugal as well, though their site isn't the clearest.
MAPFRE RE in the world - MAPFRE RE Reinsurer
MAPFRE RE reinsurer has presence in 17 countries thorought the world and has business in more than 100 countries.www.mapfrere.com
Thanks for the information.They seem to only offer their policies to Latin American countries.
That's what I was suggesting. But when you look at their map, there are service locations indicated in east Asia, North America, and Europe as well as Latin America. Sadly, not in New Zealand or Australia.I guess that I wasn't clear that they seem to only sell to residents of Latin American countries, they may well offer world coverage. Or are you saying that they also sell their policies to Spanish and Portuguese residents?
I use GeoBlue also. They’re much more reasonably priced than most. I was bitten by a monkey in Tanzania, and they paid for my rabies vaccination quickly and in full.I currently buy the annual GeoBlue policy, the enhanced one that runs about $200 per year. They have an older age limit for coverage. Fortunately, I’ve never had to file a claim with them.
I previously had a United policy supplemental to my employer policy and after months of providing documentation about a simple slip & fall laceration, I gave up when they insisted on the clinics complete medical file, which did not exist as they do in the U.S.
Good to hear the actual experience of someone who has used GeoBlue. I have stuck with their annual policy for several years now and have never had to file a claim, but knowing that you have and that you were pleased gives peace of mind.I use GeoBlue also. They’re much more reasonably priced than most. I was bitten by a monkey in Tanzania, and they paid for my rabies vaccination quickly and in full.
Hi. We are using Macs in September. Is there any way you can tell me your experience? Thank you.By the way I am a seasoned traveler averaging 30 flights a year. We looked at all possible alternatives.The first available flight that United could get us out on was 5 days later. Since our hike was booked with Mac's adventures starting on a specific date there was no way we could make that work. By the way I would avoid Mac's Adventures at all costs and that's an another regrettable experience I will post at a later date.
That's one of the reasons that I chose the AXA plan last year.I like the fact that their medical insurance is "primary",
I've never made a travel insurance claim, but I spent US$ 53 per year for a policy that seemed pretty good in terms of coverage. It was from a company that insures churches and was designed for missionaries, but they had no objection to selling it to me (and they never sent me spam, neither proselytizing nor advertising). They do offer a shorter term than a year. It had a rule that I had to return to USA at least once in 180 days. They had a policy without that rule, but it cost over five hundred dollars.What is a good travel insurance that is not Allianz? HTH Worldwide? Seven Corners? Others?
I’m looking for an insurance package would cover me in the event I was hit by a bus or had some other extreme injury.
The evacuation expenses I am more concerned about would be from Spain/Portugal to the US, in the case of something really catastrophic. $2 million seems excessive, but my policy has $500,000, I believe. Along the same lines, I have also made sure that my medical travel insurance would cover repatriation of my remains if necessary. Kind of morbid, and not something that I think about or worry about on the camino, but it could happen.do I really need 2 million dollars coverage for evacuation, when a helicopter ride to the hospital is likely a couple thousand?”
Along the same lines, I have also made sure that my medical travel insurance would cover repatriation of my remains if necessary. Kind of morbid, and not something that I think about or worry about on the camino, but it could happen.
Have you checked to see if your credit card already does a travel insurance as one of their benefits? Mine does, so I no longer buy a separate trip insurance policy.I have used Allianz for my international travel trips (Thailand, France, Spain) for the past 12 years. In my recent trip to Thailand, I had a relatively small incident that required 5 stitches in my forehead. Total cost was low (about $400 US), and I provided all hospital receipts. Now Allianz is asking for not only my airline itinerary and receipt, but also proof that the credit card used for the tickets was paid. It is getting ridiculous, and appears to be a stalling technique - every time I submit one document, another is requested. Furthermore, their operation seems to be completely offshore now - I'm not able to talk with anyone for whom English is their native language.
I'm leaving for Spain in less than two weeks to walk the Via de la Plata/Camino Sanabres and I'd like to have travel insurance.
What is a good travel insurance that is not Allianz? HTH Worldwide? Seven Corners? Others?
Thank-you and Buen Camino!
--james--
I remember seeing Mapfre ads and (I think) offices in Spain. I don't remember seeing any in the US. Perhaps there is a regulatory reason.They seem to only offer their policies to Latin American countries.
I have a life insurance policy that will more than cover the cost for cremation and some lucky family member to fly over and retrieve me. I hope they go for a walk while they are at it.
Thanks!
Make sure to read what the policy covers, especially for medical expensesHave you checked to see if your credit card already does a travel insurance as one of their benefits? Mine does, so I no longer buy a separate trip insurance policy.
Check also that their coverage extends to your entire trip duration. I get 15 days with my cc. In the past, I’ve called them directly to a) get a phone number to be called in case of said emergency and b), to purchase coverage for the balance of the days I’d be away.Have you checked to see if your credit card already does a travel insurance as one of their benefits? Mine does, so I no longer buy a separate trip insurance policy.
In my view medical will always be the most important and should drive any decision! Not saying other factors are not important. It’s a real minefield that I was oblivious too for many year!I'd like to hear more on this subject to cover several upcoming trips - the USA in June, Spain in Sept/Oct, and US again in Nov. Thinking about annual coverage.
I'd like to find coverage for actual travel (flight interrupts, etc), car rental insurance, and medical (esp. evacuation). I almost got looped into Allianz this morning- glad I read this thread first.
I just purchased my ticket to Portugal and have aged out of the airline insurance. I’ve used Allianz in the past and have made claims twice. And once when I called from Spain with a problem, they called several times to check on me, while I was on the Camino, even though I didn’t make a claim. But the last time, during the Pandemic when I canceled for a documented medical problem, it took hours of my time and a lot of duplicate documentation to get just $1,000 back. Now i want coverage only for about $2,000 or less and because I’m 76, it’s more expensive and some others won’t cover me. Any ideas?Thank-you, @Mansup. AAA in the United States uses Allianz for travel insurance. Years ago, Allianz was great and I was a spirited advocate of their service, even citing good experiences on this forum. My recent experiences suggest however, that Allianz is not what it used to be, and far worse than I expected. For example, when I was injured in Thailand last December, I called them, and their answer was when you get home, submit a claim using the web site. Almost "don't bother us." This was in great contrast to my using them in 2016 in Spain when they went out of their way to see what help I needed, even calling me to make sure I was all right after getting treatment. And in Thailand in 2012, it was a similar good experience. No longer.
So I'm looking for alternatives. So far, it seems that AXA and HTH Worldwide are leading after searching this forum and general internet searches.
You just want coverage for your airline fare nothing else?I just purchased my ticket to Portugal and have aged out of the airline insurance. I’ve used Allianz in the past and have made claims twice. And once when I called from Spain with a problem, they called several times to check on me, while I was on the Camino, even though I didn’t make a claim. But the last time, during the Pandemic when I canceled for a documented medical problem, it took hours of my time and a lot of duplicate documentation to get just $1,000 back. Now i want coverage only for about $2,000 or less and because I’m 76, it’s more expensive and some others won’t cover me. Any ideas?
Airfare and also I’m volunteering for Habitat for Humanity in Porto and it’s about $1500. So in case I can’t go it would be good to have that covered.You just want coverage for your airline fare nothing else?
No medical coverage? Sorry I am confused! That said I am from Uk so can’t offer any advice.Airfare and also I’m volunteering for Habitat for Humanity in Porto and it’s about $1500. So in case I can’t go it would be good to have that covered.
Sorry for any confusion. Most policies include medical, so I was mainly looking for a policy that covers medical and my costs paid before I leave like airfare and any other prepaid costs.No medical coverage? Sorry I am confused! That said I am from Uk so can’t offer any advice.
Sorry, my fault. This sounds very specific to USA folks/market so I won’t get involved!!Sorry for any confusion. Most policies include medical, so I was mainly looking for a policy that covers medical and my costs paid before I leave like airfare and any other prepaid costs.
Hi Irenie - I was in a similar situation regarding a travel insurance claim like you and I ended up frustrated and angry on how I was being treated. So now, I don't buy insurance without speaking to someone first and if I need to file a claim, then I want to be able to speak with the same person I bought the policy. I recommend you do the same as well. You are a the customer and you should be treated like so. In the past, when I purchased travel insurance online and had to file a claim, I had to explain my issue each time I contacted the insurance carrier and no one seemed to care. Now I have a relationship with an insurance agent and she values me and is informed of my trips and insurance coverage. If you need an insurance agent, then please let me know and I will share my agent's contact info. She is awesome!I just purchased my ticket to Portugal and have aged out of the airline insurance. I’ve used Allianz in the past and have made claims twice. And once when I called from Spain with a problem, they called several times to check on me, while I was on the Camino, even though I didn’t make a claim. But the last time, during the Pandemic when I canceled for a documented medical problem, it took hours of my time and a lot of duplicate documentation to get just $1,000 back. Now i want coverage only for about $2,000 or less and because I’m 76, it’s more expensive and some others won’t cover me. Any ideas?
That's absolutely ridiculous! Why does it matter how you paid, or where the money came from. The bill was marked PAID!To close the loop on my problem with Allianz travel insurance from my trip to Chiang Mai, Thailand last winter: I received yet another inquiry asking for proof of payment for my medical bills. I was in Spain walking the Via de la Plata (with travel insurance from AXA), so there was a delay. I called Allianz when I returned home. I told them for the third or fourth time that the bills are clearly marked as PAID in red and I had paid in cash. They then asked me how I got the cash, did I have ATM receipts or other proof of how I got the cash? I kind of lost it then. I told them that it was clear that they did not want to pay the claim, so they should just cancel it and I will never use Allianz again - I will NEVER use Allianz again.
I gave up on them when one of their staff phoned the hospital where I was a patient and claimed to be my wife so that she could check up on me by talking to my doctor.To close the loop on my problem with Allianz travel insurance from my trip to Chiang Mai, Thailand last winter: I received yet another inquiry asking for proof of payment for my medical bills. I was in Spain walking the Via de la Plata (with travel insurance from AXA), so there was a delay. I called Allianz when I returned home. I told them for the third or fourth time that the bills are clearly marked as PAID in red and I had paid in cash. They then asked me how I got the cash, did I have ATM receipts or other proof of how I got the cash? I kind of lost it then. I told them that it was clear that they did not want to pay the claim, so they should just cancel it and I will never use Allianz again - I will NEVER use Allianz again.
Mine does too as long as I pay for my ticket with their card.Have you checked to see if your credit card already does a travel insurance as one of their benefits? Mine does, so I no longer buy a separate trip insurance policy.
This is why you really need to carefully read the terms and conditions of the policy. I know that every time I have purchased travel insurance I have been given about a week to review the entire policy and receive a refund if I change my mind.Pilgrims3, your warning was spot on! During my recent Camino Portuguese, my flight from Philadelphia to Madrid was delayed 22 hours (!) due to mechanical issues with the plane. This resulted in my arrival in Porto one day late. I made room reservations via Booking.com for two nights. I purchased travel insurance from Seven Corners. I filed a claim to reimburse me for the missed night in the hotel and for a taxi I had reserved. Total requested claim $138.52. I finally received their response. My claim was denied! Trip Delay due to a cancelled flight requires a "complete cessation of services for 48 hours or more". And Trip Delay benefit was denied since a "prepaid missed hotel stay and prepaid taxi expenses are not covered under Trip Delay benefit
Travel insurance has not been worthless for me, and I will continue to purchase it.The money I save on worthless travel insurance pays for the extra nights hotel expense and I get to do a little extra sight seeing You may have success with the medical side of it but that gets a little tricky to. I would assume most people have some type of medical coverage anyway.
I would never bother trying to be reimbursed for a small amount as for me it's not worth the potential hassle.Total requested claim $138.52. I finally received their response. My claim was denied!
I'm sure they were more than happy to reimburse you quickly for a simple vaccination.I use GeoBlue also. They’re much more reasonably priced than most. I was bitten by a monkey in Tanzania, and they paid for my rabies vaccination quickly and in full.
I do the same, and it reduces the cost of the insurance considerably!I decline reimbursement coverage for airfare and lodging as they are mostly a pittance compared to potential medical issues
This conversation gives a lot of good information, but @BigT’s comment is one worth repeating and stressing, especially for US forum members. Many of us have no medical coverage outside the country, so it is a very important issue. For years, I have had nothing but medical insurance for overseas travel, and though I’ve never used it, I am confident that GeoBlu (a Blue Cross,Blue Shield company) coverage is sufficient for most of the horrible things that might happen. I get an annual policy (I am in my 70s) and for $575 it covers me and my husband, who is in his 80s. The coverage is the best I could find for both medical expenses and evacuation/repatriation. Since we take several overseas trips a year, it is a real bargain, especially when compared to what two or three separate policies for short periods would cost.GeoBlue is health insurance, not travel insurance.
There is a big difference.
From what I've seen not really simple, cheap or readily available for humans. Immunizations are two shots spaced out. If bitten, two preventative vaccines if immunized otherwise four. Again spacing is important. The vaccine has to be refrigerated. A friend needed immunization for a trip to Africa about six years ago and she remembers the two shots being about $600 each (America).I'm sure they were more than happy to reimburse you quickly for a simple vaccination.
My sister-in-law has had special immunizations for travel to Africa on two occasions and Myanmar. I don't recall her mentioning such exorbitant costs.From what I've seen not really simple, cheap or readily available for humans. Immunizations are two shots spaced out. If bitten, two preventative vaccines if immunized otherwise four. Again spacing is important. The vaccine has to be refrigerated. A friend needed immunization for a trip to Africa about six years ago and she remembers the two shots being about $600 each (America).
I am from the UK but I would say that overseas medical insurance is imperative irrespective of where you live. From a UK perspective if you are free of medical issues you will get more choice and annual policies can deliver great value. Even the ones where you include USA, Canada and (sometimes) Mexico which are high cost destinations from a treatment standpoint.This conversation gives a lot of good information, but @BigT’s comment is one worth repeating and stressing, especially for US forum members. Many of us have no medical coverage outside the country, so it is a very important issue. For years, I have had nothing but medical insurance for overseas travel, and though I’ve never used it, I am confident that GeoBlu (a Blue Cross,Blue Shield company) coverage is sufficient for most of the horrible things that might happen. I get an annual policy (I am in my 70s) and for $575 it covers me and my husband, who is in his 80s. The coverage is the best I could find for both medical expenses and evacuation/repatriation. Since we take several overseas trips a year, it is a real bargain, especially when compared to what two or three separate policies for short periods would cost.
Travel insurance, on the other hand, protects you from things like trip delays, cancellations, etc, lost luggage, etc. Since I carry my backpack, and have very few sunk expenses on camino accommodations, I just don’t think the travel part is worth it for me. Airfares are nonrefundable but changeable, and that’s the biggest expense. Whether it’s worth it for you or not is of course up to you, but I would suggest not sacrificing the medical side of things for what seems like good travel cost coverage.
In 2020, my husband was supposed to go on an expensive organized tour to Egypt with a friend while I was walking. That of course never happened. We had gotten “trip insurance” for the trip, and even though there were all sorts of administrative deductions, and little bits and pieces that reduced the eventual recovery, we were glad to recover a big chunk. I think most pilgrims don’t need this kind of coverage, but if you do pay attention to how much you will actually get back if you cancel the trip. I did not read the fine print carefully and was surprised by some of the limitations.
It is an absolute must for the purchaser to read and understand every single word in the actual policy
Obviously there is every chance of not needing it, of course most policies aren’t used. But it could be a big bill, you may need to be flown home. It’s a trade off of course. Can you just look at medical cost and not look the other stuff, although I would guess that’s the bulk got the charge.Can I do without travel insurance altogether? I am 79 soon, and travel insurance for the Camino is getting really, really expensive. A neighbour of mine here in Perth, Australia, says he never bothers with insurance. If you are sick and hospitalised, it's bad news anywhere in the world. Surely in Spain you would be sent to the local hospital till you were well enough to travel home. I realise this is taking a big risk, but I am tired of paying through the nose, year after year, and then facing small print exclusions that prevent me from claiming.
I hear you! I started buying medical insurance about ten years ago when my domestic insurance policy started to exclude out of country medical costs.Can I do without travel insurance altogether? I am 79 soon, and travel insurance for the Camino is getting really, really expensive. A neighbour of mine here in Perth, Australia, says he never bothers with insurance. If you are sick and hospitalised, it's bad news anywhere in the world. Surely in Spain you would be sent to the local hospital till you were well enough to travel home. I realise this is taking a big risk, but I am tired of paying through the nose, year after year, and then facing small print exclusions that prevent me from claiming.
Another closure on travel insurance. I was in Chiang Mai, Thailand this past winter with travel insurance from AXA, and had to visit the hospital/ophthalmologist because of an infected corneal abrasion. After returning home, I went through the process to file a claim with AXA. The process was fairly easy to follow, and within 10 days, I had payment.To close the loop on my problem with Allianz travel insurance from my trip to Chiang Mai, Thailand last winter: I received yet another inquiry asking for proof of payment for my medical bills. I was in Spain walking the Via de la Plata (with travel insurance from AXA), so there was a delay. I called Allianz when I returned home. I told them for the third or fourth time that the bills are clearly marked as PAID in red and I had paid in cash. They then asked me how I got the cash, did I have ATM receipts or other proof of how I got the cash? I kind of lost it then. I told them that it was clear that they did not want to pay the claim, so they should just cancel it and I will never use Allianz again - I will NEVER use Allianz again.
I broke my arm/shoulder last May, and living in the US, between ortho visits, X-rays and physical therapy the total cost out of pocket if I'd not been well insured totaled $19,500, and I didn't even require surgery.Health care costs in Spain, even when paid privately, are but a fraction of the price in the US, so for an injury like a broken arm it would not be catastrophic to pay out of pocket.
I'm so glad that you had a good experience with AXA. Ten days is really quick to get reimbursed!Another closure on travel insurance. I was in Chiang Mai, Thailand this past winter with travel insurance from AXA, and had to visit the hospital/ophthalmologist because of an infected corneal abrasion. After returning home, I went through the process to file a claim with AXA. The process was fairly easy to follow, and within 10 days, I had payment.
I'm returning to Spain in May to complete the Via de la Plata / Camino Sanabres that I had to stop last year at Granja de Moreula because of severe tendonitis. Starting in Zamora. Needless to say, I have travel insurance from AXA.
You definitely have to have insurance in the U.S.I broke my arm/shoulder last May, and living in the US, between ortho visits, X-rays and physical therapy the total cost out of pocket if I'd not been well insured totaled $19,500, and I didn't even require surgery.
I would advise contacting an insurance agent that specializes in travel insurance. It will save you time in having to read the "fine" print and you will get a quote for a plan that meets your needs. I have found out it's easier to share what I want with an agent than trying to compare plans I find online. Safe TravelsCan I do without travel insurance altogether? I am 79 soon, and travel insurance for the Camino is getting really, really expensive. A neighbour of mine here in Perth, Australia, says he never bothers with insurance. If you are sick and hospitalised, it's bad news anywhere in the world. Surely in Spain you would be sent to the local hospital till you were well enough to travel home. I realise this is taking a big risk, but I am tired of paying through the nose, year after year, and then facing small print exclusions that prevent me from claiming.
I like the SquareMouth site because they have a lot of filter that you can use to get exactly the coverage that you need.I would advise contacting an insurance agent that specializes in travel insurance. It will save you time in having to read the "fine" print and you will get a quote for a plan that meets your needs. I have found out it's easier to share what I want with an agent than trying to compare plans I find online. Safe Travels
$$$$’s. Mucho. And you’re talking US$ ‘s.I broke my arm/shoulder last May, and living in the US, between ortho visits, X-rays and physical therapy the total cost out of pocket if I'd not been well insured totaled $19,500, and I didn't even require surgery.
Yes, I wouldn't have wanted to pay that full amount out of my own pocket. The amount I owed I think was under $1000.$$$$’s. Mucho. And you’re talking US$ ‘s.
That would be AU$30,000. !! I visit US regularly and wouldn’t visit USA without insurance . (Or anywhere in the world ).
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