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Ultimately, I think you're right. You can't buy travel insurance after the need arises. Medicare does NOT cover recipients outside the US. There are some Advantage carriers that offer some coverage internationally. Usually you still have to pay the bills then submit the receipts to insurance for reimbursement.Hi, y’all. I’m sorry if this is not the correct section, but any help would be appreciated. Ultimately, I think we are SOL. First off, my mother-in-law seems to be doing well and has improved a lot since yesterday. We are in Los Cabos and my mother-in-law who is almost 80 was in excruciating pain last night into this morning. Because the in-house physician could not rule out a cardiac event (they stupidly don’t have an EKG machine), they sent her to the hospital via an ambulance. All told, I think the total is $7000 (hospital and ambulance). She is on Medicare, but I have no reason to expect she has any of the supplements someone mentioned earlier. For sure, neither my wife nor her sister mentioned it when they had to pay at the hospital. Two questions: is it too late to purchase medical insurance for this event for reimbursement? I am 99% certain that the answer is that it is too late, but I thought I would ask. Second, we have to go to Cancun for my wife’s cousins wedding in the winter time. Now that this is happened, for sure they will get medical insurance. Is there any recommendation or since it will be in Jan 2025, should I see if they can get whatever the international supplements are to my father-in-law and mother-in-law‘s insurance through Medicare? Also, my wife has an AMEX platinum, and if we were to purchase this upcoming trip using that card, would it not cover medical insurance for my in-laws if they do not live in the same house? TIA for everyone’s time and assistance.
Thank you, Jim. I appreciate the quick and thorough response.Ultimately, I think you're right. You can't buy travel insurance after the need arises. Medicare does NOT cover recipients outside the US. There are some Advantage carriers that offer some coverage internationally. Usually you still have to pay the bills then submit the receipts to insurance for reimbursement.
For the upcoming international trips, most carriers require buying (and paying for) travel insurance a short time - like 2 weeks- after paying a deposit on the travel, in order to insure pre-existing conditions.
As you have probably read above, many people shop travel insurance through www.squaremouth.com/ It allows you to compare policies side-by-side.
I can't answer your questions re: AMEX or any other card's insurance. Talk to their customer service people. The number is on the back of the card.
Best wishes for your Mother-in-Law's recovery and ability to keep traveling.
Jim
Nobody HAS to go anywhere. It may be expected, but it's optional. I have some knowledge in destination weddings. Iirc, the wedding in Mexico is largely ceremonial. The lucky couple will likely need to duplicate the official marriage in the US to be recognized. As stated above, Medicare recipients should apply, and pay for travel health insurance shortly after making the deposit on the trip. The buyer decides on the amount of coverage they need- and the premium is based on that number. As the trip gets more add-ons, and gets more expensive, they can add to the coverage, and still have pre-existing conditions covered.we have to go to Cancun for my wife’s cousins wedding in the winter time. Now that this is happened, for sure they will get medical insurance. Is there any recommendation or since it will be in Jan 2025, should I see if they can get whatever the international supplements are to my father-in-law and mother-in-law‘s insurance through Medicare?
I wondered about Airlines insurance. If you have a RT, it covers the entire time, and not just on travel days? And, if you have a one way, is it just for travel day?airlines’ trip insurance offer was cheap ($61pp)
I wondered about Airlines insurance. If you have a RT, it covers the entire time, and not just on travel days? And, if you have a one way, is it just for travel day?
Anyone hear of Travel Insured International?
Their rates are very good for NY. Really main concern is medical.
Bill beat me to it, but www.squaremouth.com lets you compare rates and coverages side-by-side Highly recommended. Also, make sure your medical coverage is 'Primary' or you'll have to submit claims to your 'regular' carrier, then wait for the travel insurance to cover what the primary doesn't.Anyone hear of Travel Insured International?
Their rates are very good for NY. Really main concern is medical.
Bill beat me to it, but www.squaremouth.com lets you compare rates and coverages side-by-side Highly recommended. Also, make sure your medical coverage is 'Primary' or you'll have to submit claims to your 'regular' carrier, then wait for the travel insurance to cover what the primary doesn't.
Check out insuremytrip.com to compare many policies/companies.Since a year ago, Allianz has made some changes in their travel protection policies.
A year ago, I bought on their website "Classic Plan with Trip+" with a duration of almost a year. I bought it for emergency medical and evacuation only, so I specified $0 value for cancellation and interruption, and they charged $55 a person. I thought this fell into the " too good to be true" category, so I asked them, explaining that we might make 4-8 trips throughout the year, and they assured me that this was the policy I needed. Fortunately, we had no claim.
This year, the Classic Plans are called "One Trip" and they're generally limited to 60 days. After that, they charge $5 per extra day, and the maximum is 6 months.
The Annual plans are now $475 for medical/evacuation only, but at that price they cover any number of people who live at the same address.
It's confusing. I'm going to have to re-shop.