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sbnuggie

Anyone had to use Insurance

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Howdy,

 

I did the requeset search but found bits and pieces here and there. Purchasing Travel insurance is a wise move and I'm researching the policies at Insure my trip dot com as been suggested in thread after thread.

 

What I'm looking for is recomendation for a specific company based on someone, unfortunately, having to use them. Insurance overall is a wierd product, you pay for something that you never really see and when you do need it you are glad you have it BUT will your Insurance company be there when you need it?

 

So, I'm looking for recomendations of companies based on personal experience. I can read about their A.M Best ratings and Financial stability until I'm blue in the face but:

 

1) How easy was it to contact the company during your emergency.

 

2) How helpful were they.

 

3) How quick did they either pay and/or reimburse you for your claim.

 

4) Lesson's learned from dealing with Travel Insurance companies.

 

Thanks for any information.

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i know your looking for certain info, but I just wanted to tell my dads friend/coworker story... he went on the annual company cruise. didn't get insurance because he didn't pay for the trip so he figured why get ins. sounds like a reasonable decision. well, one heart attack later on a fishing excursion, and the emergency rescue that soon took place, followed by emergency air lift to miami (closest equipped hospital to handle critical care surgery he needed) 1 major bypass and a near fifty yes $50,000 bill later i can tell you everyone he knows now allways gets travel ins!!!!!!

by the way... I have used berkman spelling? actually it might have been berkley (pretty sure on this one). werent too expensive... better than what the cruiseline offered... as well as the online booking agency we used. cant tell you how their cust. service was, as thankfully their service was not needed!

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I always use Travelgard and have had 1 claim.

 

The claim wasn't much. My wedding band was lost/misplaced and/or stolen on my trip.

Called the insurance company. They requested that I first file a claim with Carnival, then when I receive the "Official" we searched and couldn't find it letter, that I send a copy of that letter to Travelgard along with my claim. (Also had to provide copy of purchase receipt)

2 weeks later, I had a check for $500. ($500 is the max amount of coverage for jewelery)

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We always use

Travel Guard Insurance Company

(715) 345-1041

www.travelguard.com

My uncle had this insurance when he suffered a ruptured intestine while scuba diving. He had to be air lifted on a private medical plane. Because he had been diving and then had to fly; he had to receive treatment for "the bends". Everything was covered, without a hassle.

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I filed a claim through Travelsafe. They were very nice to deal with, easy to reach by phone, and the claim was paid about a month later. Luckily it was only $76 for the pre-cruise hotel we weren't able to check into when our flights got delayed until the next morning.

 

I told them what happened, faxed them evidence of the changed flights and a copy of my credit card statement with the charge from the hotel and that was it.

 

Thankfully it was a small claim but I will always have the insurance now. The airline first told us they were booked up and we would miss our ship. They did finally find us a flight for the next morning but we thought for quite a while we were going to have to fly to Cozumel to catch up. I was very glad I had the insurance - last minute flights to Cozumel plus meals and hotel would not have been cheap.

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We've used insurance a few times but for really small things. Nothing medical like some of the others are talking about here.

 

Most recently, we used Travel Insured and filed a claim. I left my granddaughters Disney DVD collection in a hotel room after the cruise. They were super easy to file a claim with....I scanned the form in and emailed it and had a check for 20 DVD's in about 5 days. It was covered under "lost" personal property. Needless to say, they paid us more than we paid them in premium. Unfortunately, I can't replace some of the DVD's that are no longer in circulation. :(

 

We've filed with CSA before a couple of times. One time when Carnival cancelled our cruise on the day of the cruise. They paid our travel expenses and dog boarding. It wasn't much because we drove to port. Another time, they paid for a hotel room after a missed airline connection forced us to stay overnight in Atlanta.

 

Both companies were very fast on settling the claims. :)

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We had to file a claim when we had Travelex Travel lite.

We had not trouble with them at all.

We had a plane break down on one of the legs of our flight. It was a very small airport, in the middle of S.D. They could not get us on another flight until the next morning, which would have made us too late to get on the ship.

I called them from the airport and asked what our options were. They were very helpful. We did not want to collect for the whole cruise. They told us if there was any possible way to get us to the ship on time that they would pay for the expenses. So, we rented a car, and drove almost 300 miles to a bigger airport and were able to get to the port early the next morning.

When I got home I sent in the papers showing that the flight was cancelled, plus the receipts for gas and the car rental. I had a check back from them in a little over a week later. They also would have paid for our hotel room, but I was able to cancel.

Since then, we always use travelex travel lite.

claudia

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You may have already found my previous responses on this issue as we did have personal experience with using our travel insurance company last December when my husband had a heart attack on the Liberty, on our way to Grand Cayman. I could do a commercial! We used insuremytrip dot com, and went with TravelSafe. The ship infirmary pretty much saved his life (they were fabulous). He had to be taken by air ambulance (over $20,000) from GC to Miami, where he underwent surgery (stent). We had ship infirmary bill (including $3000 clot buster shot), Cayman Islands hospital bill, Miami hospital and doctors, and trip interruption for myself and our two college kiddies, which covered their transportation to Miami, our hotel, meals, transportation in Miami and back home, etc. Also got reimbursed for half the cruise that we missed. Total expenses over $110,000. The cost of insurance for the four of us $164 ($41 each). TravelSafe was great to deal with, paid very quickly, etc. The best investment we ever made.

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We always purchase Travel Ins, and unfortunately we have used it.

May 2007, 2 days before a Cruise, my husband fell and broke his hip. we had Travel Protection of course since it was an accident there were numerous forms to be filled out. It took awhile but we did get our money back.

It is definitely worth taking ins, you never know what can happen.

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Thanks all for your input, especially those who mentioned their experience with a specific company and their opinion about claim service.

 

One curiosity question though:

 

I can understand minor (not to minimize the impact on the person) claims like lost jewelry or rental cars to make it to an airport and then being reimbursed later. But what about the major incidents involving stories like Klmorg and Calker where major medical expenses are incurred.

 

Do the companies pay the providers directly? How does it work, I can't see a $3000 shot being charged on the old Sail and Sign Card :eek: and although I have excellent credit I don't think the ol' Visa can handle an air medivac charge like I've seen and I certainly can't see a doctor in Mexico saying they would accept payment for services rendered a few weeks down the road by an American Insurance Company. So, how are the major incidents handled/paid for?

 

Thanks Again

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Thanks all for your input, especially those who mentioned their experience with a specific company and their opinion about claim service.

 

One curiosity question though:

 

I can understand minor (not to minimize the impact on the person) claims like lost jewelry or rental cars to make it to an airport and then being reimbursed later. But what about the major incidents involving stories like Klmorg and Calker where major medical expenses are incurred.

 

Do the companies pay the providers directly? How does it work, I can't see a $3000 shot being charged on the old Sail and Sign Card :eek: and although I have excellent credit I don't think the ol' Visa can handle an air medivac charge like I've seen and I certainly can't see a doctor in Mexico saying they would accept payment for services rendered a few weeks down the road by an American Insurance Company. So, how are the major incidents handled/paid for?

 

Thanks Again

 

Hi sbnuggie,

 

Each trip insurance company is different, but in general you have to pay up front for the medical services and get reimbursed later.

 

There are some plans that will guarantee payment to a medical facility if you're being refused admission, though there are well-known companies who won't guarantee payment. In my experience these payment guarantees are made on a case-by-case basis.

 

Finally, if something bad happens to you (ie - you're hit by a cement truck) and you contact the trip insurance company's emergency assistance company, you don't arrange or pay for an emergency evacuation. The emergency assistance company takes care of that & pays for it.

 

I hope this helps.

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we've had to use it 3 times...used travel guard..used Aig....the important thing to remember to get familiar with their rules...one required my wife to see a doc and get written recommendation stating she needed to return home ASAP for medical care and she could not continue the escorted trip we were on..she needed to do this BEFORE we flew home...another time, she was sick the morning of a cruise and she needed to see a doc that morning to get a release letter...both companies were very helpful.

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I use Insure my trip dot com. Had to cancel the morning of the cruise. Got every penny back within 30 days. They do supply you with an emergeny contact number.....

I never cruise without it anymore.....

By the way. They are a clearing house type of thing for the insurance. I live in FLA and many companies do not handle a resident of FLA and other states. I just call their 800 number and set it up. Last cruise was flight to and from Tampa to FLL, the cruise and all travel in between. It was a 9 night cruise and cost $46. That was trip insurance, delay, $50k med and $250k emg evac. Along with many other things.

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Thanks all for your input, especially those who mentioned their experience with a specific company and their opinion about claim service.

 

One curiosity question though:

 

I can understand minor (not to minimize the impact on the person) claims like lost jewelry or rental cars to make it to an airport and then being reimbursed later. But what about the major incidents involving stories like Klmorg and Calker where major medical expenses are incurred.

 

Do the companies pay the providers directly? How does it work, I can't see a $3000 shot being charged on the old Sail and Sign Card :eek: and although I have excellent credit I don't think the ol' Visa can handle an air medivac charge like I've seen and I certainly can't see a doctor in Mexico saying they would accept payment for services rendered a few weeks down the road by an American Insurance Company. So, how are the major incidents handled/paid for?

 

Thanks Again

 

That is something you speak to your insurance carrier about.

 

You can get "Primary" medical coverage, where the travel insurance carrier is Primary and they get billed direct . (For ship board stuff, it will go on S&S and then you get reimbursed. MAJOR stuff (air ambulance)they are paid directly) OR

you can get "Secondary" coverage (less expensive) where you, your home medical insurance provider, and the travel insurance provider wrangle over who'd going to pay what and when.

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i used it during hurricane ike. my car was in Galveston, but we had to get off the ship in New Orleans & catch a plane back to Ark. Insurnace pd for our flight.

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Unfortunately, I can't replace some of the DVD's that are no longer in circulation. :(

 

Have you tried half.com? I've never not found what I was looking for on there, no matter how old it is!

 

I've used travel insurance once, CSA. My camera was stolen on a cruise. I was chatting with one of the photographers who suggested I go ahead and report it lost and get a letter to that fact while I was on board since the travel insurance companies usually require it (this was on a Princess ship). Got the letter, filed the claim, included the receipt for the camera (I just happened to still have it as it was only 5 months old), and had my check within 2 weeks.

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Thanks all for your input, especially those who mentioned their experience with a specific company and their opinion about claim service.

 

One curiosity question though:

 

I can understand minor (not to minimize the impact on the person) claims like lost jewelry or rental cars to make it to an airport and then being reimbursed later. But what about the major incidents involving stories like Klmorg and Calker where major medical expenses are incurred.

 

Do the companies pay the providers directly? How does it work, I can't see a $3000 shot being charged on the old Sail and Sign Card :eek: and although I have excellent credit I don't think the ol' Visa can handle an air medivac charge like I've seen and I certainly can't see a doctor in Mexico saying they would accept payment for services rendered a few weeks down the road by an American Insurance Company. So, how are the major incidents handled/paid for?

 

Thanks Again

 

Here's how it worked for us:

We had to pay ship S&S bill, including infirmary charges, and Cayman Islands Hospital up front ($9000 combined; thank God I brought along a credit card with high limit "in case of emergency"). We did not have to pay the air ambulance and other medical charges in Miami up front. The travel insurance co. also ordered that a nurse travel home with us along with oxygen, just in case; I think that cost almost $5000. Anyway, we had to pay hotel, GC airlines ($600 kids flights), meals, etc. up front, but were quickly reimbursed for those once I turned in all the paperwork & receipts. The medical part had to go thru our regular health insurance carrier first, then travel ins picked up the diff. Luckily both insrurance companies were very quick to pay, and so easy to work with. They helped make a terrifying situation much more bearable.

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Here's how it worked for us:

We had to pay ship S&S bill, including infirmary charges, and Cayman Islands Hospital up front ($9000 combined; thank God I brought along a credit card with high limit "in case of emergency"). We did not have to pay the air ambulance and other medical charges in Miami up front. The travel insurance co. also ordered that a nurse travel home with us along with oxygen, just in case; I think that cost almost $5000. Anyway, we had to pay hotel, GC airlines ($600 kids flights), meals, etc. up front, but were quickly reimbursed for those once I turned in all the paperwork & receipts. The medical part had to go thru our regular health insurance carrier first, then travel ins picked up the diff. Luckily both insrurance companies were very quick to pay, and so easy to work with. They helped make a terrifying situation much more bearable.

 

Your story makes me want to use TravelSafe in the future, just for how quickly they handled such a large claim! (Can they talk to my insurance company so we can finally get our roof fixed from Ike? :rolleyes:)

 

I remember your story on the boards. So glad it turned out to be a happy ending. :)

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Your story makes me want to use TravelSafe in the future, just for how quickly they handled such a large claim! (Can they talk to my insurance company so we can finally get our roof fixed from Ike? :rolleyes:)

 

I remember your story on the boards. So glad it turned out to be a happy ending. :)

 

Thank you aggieastrosfan! I'm sorry to hear about Ike and your roof. I know insurance can be a pain to deal with. We felt so fortunate in so many ways with our ordeal. Very happy ending indeed, and we're ready to pick up where we left off...booked the Legend, taking the kids again, and first port is GC, which will pick up exactly where we left off -- hopefully without the ambulance waiting for us to arrive from tendering and rushing hubby to Cayman Islands hospital! Surprising the kids with it for X-mas. Best of luck to you...

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That is something you speak to your insurance carrier about.

 

You can get "Primary" medical coverage, where the travel insurance carrier is Primary and they get billed direct . (For ship board stuff, it will go on S&S and then you get reimbursed. MAJOR stuff (air ambulance) they are paid directly) OR

you can get "Secondary" coverage (less expensive) where you, your home medical insurance provider, and the travel insurance provider wrangle over who'd going to pay what and when.

 

Hi klfrodo,

 

Which "Primary" medical coverage travel insurance carrier will bill direct? Please provide the name of the company that offers direct billing.

 

The reason I'm asking is because the only difference between Primary or Secondary medical coverage is the order in which claims are paid.

 

Primary Medical Coverage means your medical bills are paid from the first dollar. No "coordination of benefit" claim forms need to be filed.

 

This works best if the medical claim's less than the coverage amount. That's because even though you had insurance pay for part of the claim, when the Primary benefits are exhausted, your other insurance won't consider any deductibles or co-pays to be satisfied.

 

For example, here's what happens if you have a $70,000 medical claim with a travel insurance plan that has $50,000 Primary coverage:

 

1) You submit the $70,000 medical claim to the travel insurance. It pays $50,000 (its maximum)

2) You submit the remaining $20,000 to your medical insurance plan. Let's say it has a $5,000 deductible with a 20% copay.

3) Of the remaining $20,000 your medical insurance plan will pay $12,000 and you will be liable for $8,000.

 

Secondary Medical Coverage means your medical bills are paid after any other coverage you have pays their share. This means that Secondary coverage will pay any deductibles, out-of-pocket expenses or co-pays up to its coverage limit.

 

Here's a little detail that's good to know: You probably will have to pay your medical bills yourself while on your trip. That's because travel insurance plans are "indemnification" plans (you will be reimbursed - indemnified) after your trip by the insurance company. Travel insurance is not a "pay on behalf of" plan. You don't just give the medical facility a card. In some cases, a few companies can guarantee payment to the medical facility, but it's on a case-by-case basis.

 

Here's another little detail that's good to know: Secondary coverage assumes you have other coverage that's Primary. If you don't have other coverage Secondary becomes Primary.

 

I hope this makes sense.

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We always use

 

Travel Guard Insurance Company

(715) 345-1041

www.travelguard.com

 

My uncle had this insurance when he suffered a ruptured intestine while scuba diving. He had to be air lifted on a private medical plane. Because he had been diving and then had to fly; he had to receive treatment for "the bends". Everything was covered, without a hassle.

 

 

Yes- we use Travelguard because scuba diving is NOT an exclusion!! Thankfully we have not had to use it but I'm very happy to hear your story in case we did!! Thanks!!!

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Do you print out documents about insurance? We purchased our cruise through a TA who added the insurance through a 3rd party (looks like 'Access America'). Should I find and print out information about the insurance to take with us? Do you?

 

Also we do not have good credit nor do we have the funds to handle emergencies like you are all talking about -- 30000! yikes!... any experience or thoughts on what would happen should my husband or I suffer a medical emergency and not have the money to pay up front?

 

 

TIA,

Sherry

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I'm most interested in if you print your insurance information prior to leaving. :confused:

 

Yes. The instructions with the insurance I obtained stated to print and bring the insurance documents with me. I also called and the insurance rep stated the same thing on the phone. The docs state/explain the coverage and what to do if the need to use it arises.

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