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Best Travel insurance

momeason

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Hi,
We have 5 timeshare weeks booked this year already and 4 potential XYZs. I also have an 83 yr old mother in questionable health.I think it may be time to get some travel insurance for the year. Could someone tell me which companies are the best for a general policy to cover all my reservations at once.
 

bobpark56

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HTH Worldwide

I don't know that it's best, but HTH Worldwide seems to fit my needs for major emergencies and medical evacuations. I think I paid $179 for a one-year policy. You might give it a look.
 

easyrider

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I had the same concern with an eighty one year old person. After looking around I ended up buying the insurance through Alaska Airlines when I purchased her ticket for the flight. The cost was $38.00 for the entire trip and it is an "Access America Travel Insurance Policy".
 

momeason

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My elderly mother is not traveling with us. It is possible we may need to cancel trips due to her possible health crises or death.
 

DeniseM

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Did you see article and links at the top of the forum?
 

Passepartout

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There is a sticky at the top of the travel sub-forum that allows you to compare policies. We usually buy TravelGuard trip-by-trip. The annual product sold through RCI (I think) doesn't provide the medical coverage, evacuation and repatriation coverage we want. We also have a 93 y.o. parent in a care center that someday will require our attendance. We are just not going to sit home waiting for the phone to ring. We be traveling.

Jim
 

easyrider

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I just looked and the benefit is capped $643.00 for cancellation due to a situation at home, such as hospital emergencies or death.

The policy we bought is to protect the person on a trip to Mexico and is an Indiviual Policy through Access America.
 

WinniWoman

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I use CSA - read the fine print on any policies you are considering. I had the same issue with my mom last year and I chose CSA.
 

bobpark56

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Zero Help

Did you see article and links at the top of the forum?

That link deals only with per-trip insurance. It totally ignores the needs of people who travel often. It also ignores the needs of people whose travel includes stays in timeshares (owned, rented or exchanged) on trips where they might also be staying in a hotel, B&B, or friend's house.

I wonder if someone knowledgeable could provide a corresponding summary that addresses annual travel insurance?

It would be helpful if both summaries would distinguish between (a) insuring the cost of one's trip(s), and (b) insuring against other, potentially more disastrous, losses or emergencies that could occur. My interest lies in the latter, so I find your reference to the sticky to be of little help.
 

Passepartout

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Here are reviews of and links to about 9 annual travel insurance options: http://www.travelinsurancereview.net/annual-travel-insurance/
As I stated above, with the exclusions for pre-existing conditions and no mention (that I found) of coverage if you need to attend to a non-traveling family member, we buy trip insurance by the trip as needed. Iow, if it's a short (1 week) trip that we may only have an exchange fee in, 'Dad' is doing well, and we are driving, we 'self insure'. Otoh, if it's a long non-refundable cruise that would cost a bundle to return from a far corner of the globe or 'Dad' is not doing so well, we insure it to the hilt.

Hope this helps.

Jim
 

easyrider

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After reviewing the Access America policy bought through Alaska Airlines it looks like the trip interruption is capped at the cost of the airline fare.

When I received a quote for the entire group the cost varies on the better plans with at least 50k in emergency medical from $50 - $120 per person for a 7 day trip.

On my Worldmark trips we have a yearly policy that covers every one that travels under my reservation for Worldmark owners.

What should we be looking at specifically ? Wouldn't the major cost be emergency medical expenses ? I did call Access America before we bought this policy and was told that pre-existing conditions are covered as long as the insured hasn't been treated for 60 days before the policy was bought. My scenario is the person traveling has a bad hip, stints in her heart and is wheel chair bound.
 

PStreet1

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We have evaculation insurance (with a $100,000 limit) for $35.00 a year (for an individual). We have friends who had a medical emergency in Bali who had this insurance. They reported that they could not possibly have asked for more service. He was hospitalized a week or two before he could travel. The insurance people called every day to discuss his condition and when he could be evacuated. When he was well enough, they flew him and his wife back to the U.S. AND THE PREMINUM FOR A COUPLE (and any unmarried children under 18 or students under 24) IS $55.00!

It's through the Diver Alert Network (http://www.diversalertnetwork.org/)

If you decide to check it out, go to the site and click on membership--not insurance. The evacuation insurance is a membership benefit, so all you do is join as an individual or as a couple or family. The insurance tab leads to insurance for diving only, and it isn't the evacuation insurance.

The insurance is valid anytime you are at least 50 miles from home.

Anyway, since we have friends who were forced to use it, we know they come through when needed, so we now join every year--and the magazine that comes with membership has spectacular pictures as a side benefit.

They also sell travel insurance separately from diving insurance and separately from the evacuation insurance.
 

donnaval

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Wow Pat - what a great tip! We are definitely considering DAN.
 

Sandy VDH

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We have had DAN insurance for year, but thankfully have never had to use it. I will have to go back and reread it, but I thought the coverage was for Diving Vacations and not just vacations. I could be wrong.

We always dive if possible when wo go on vacation. Many insurance policies will NOT cover you if you have been doing what they deem dangerous activities, Sky diving, bungee jumping, scuba diving. As such we always carry DAN to cover our diving activities.
 
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