Trip Interruption using CC Insurance

I am trying to understand your issue. Cannot fit into an airline seat? We recently (April) had a situation where my DW needed evacuation from Japan and had to keep one of her legs elevated. The solution was a lay flat Business Class seat and our medical/med evac insurance company quickly agreeed to pay for her business class because otherwise she might have been hospitalized in Japan and cost that same insurance company a lot more money. But all the insurance companies will move heaven and earth to do evacs on commercial aircraft. It is only when this is not possible (for medical reasons) will they look at other options. But insurance companies can be frustrating with how they interpret issues. For example, ours had no problem shelling out more than $10,000 for a last minute Business Class evacuation. But they balked at paying the $272 taxi fare to get the patient from ship to airport (a taxi was sufficient since she could keep her leg elevated). If we had asked for an ambulance the insurer would have had no problem paying more then $1000 for that method of transportation. Go figure.

 

Hank

Hi Hank, first, thanks for all your advice/experiences with insurance coverage over the years. You are very patient and tell it like you found it. I had a similar experience with Tvl Insured a couple years ago on a land trip in the US.

Husband became ill and rather than return home by bus and possibly contaminate other pax, doctor requested we get a rental car for the trip home. They paid for the rental but not the taxi to and from the medical clinic, or the airport to get the rental car. Maybe they never pay for a taxi.....

I am trying to understand your issue. Cannot fit into an airline seat? We recently (April) had a situation where my DW needed evacuation from Japan and had to keep one of her legs elevated. The solution was a lay flat Business Class seat and our medical/med evac insurance company quickly agreeed to pay for her business class because otherwise she might have been hospitalized in Japan and cost that same insurance company a lot more money. But all the insurance companies will move heaven and earth to do evacs on commercial aircraft. It is only when this is not possible (for medical reasons) will they look at other options. But insurance companies can be frustrating with how they interpret issues. For example, ours had no problem shelling out more than $10,000 for a last minute Business Class evacuation. But they balked at paying the $272 taxi fare to get the patient from ship to airport (a taxi was sufficient since she could keep her leg elevated). If we had asked for an ambulance the insurer would have had no problem paying more then $1000 for that method of transportation. Go figure.

 

Hank

Hank,

Thank you for your helpful reply. That is very helpful information. You are a wealth of knowledge!

Diana

For those of you who travel on multiple trips per year, you might want to check out the Allianz annual plan.  The coverage, especially for medical evacuation, is generous.  They also include getting you home after treatment in a foreign country under the medical evacuation benefits.

On 10/18/2018 at 6:12 AM, pcur said:

For those of you who travel on multiple trips per year, you might want to check out the Allianz annual plan.  The coverage, especially for medical evacuation, is generous.  They also include getting you home after treatment in a foreign country under the medical evacuation benefits.

I do not like their  Basic and Prime plans.  Why?  Because the medical coverage is completely inadequate!  The basic gives you $20,000 or medical and the Prime gives $25,000.  Neither are sufficient in the current medical environment where you could run up more then that in 1 or 2 days of a real medical emergency.   We have long recommended that folks look for a plan with a minimum of $100,000 or medical (more is better).

Hank