Paulchili Posted February 12, 2011 #26 Share Posted February 12, 2011 We have had annual medical insurance coverage for years. The policies are very inexpensive and have been very easy to collect on, so far only for small amounts. Of course they won't cover cancellation but it's great to have that blanket medical coverage.:) Who is your annual medical insurance provider? TIA Link to comment Share on other sites More sharing options...
Senior Citizen Posted February 15, 2011 #27 Share Posted February 15, 2011 I think I have found an annual trip insurance that just about fits the bill. It is a TravelGuard Business Traveler policy and costs $916 for 2 people. It includes $5,000 trip cancellation, $50,000 medical, $500,000 medical evacuation/repatriation and various amounts for trip delay, etc. It has a 90 day look-back which begins on the day you purchase the insurance. The amounts above are for the year so if you have multiple claims, each claim will be deducted from the yearly payable amount. I found it at tripinsurancestore.com. Link to comment Share on other sites More sharing options...
orchestrapal Posted February 15, 2011 #28 Share Posted February 15, 2011 Who is your annual medical insurance provider?TIA We have been using HTH Worldwide for about the past 10 years. Just be aware this is strictly for medical and medical evacuation and dental and not for trip cancellation. Link to comment Share on other sites More sharing options...
Paulchili Posted February 15, 2011 #29 Share Posted February 15, 2011 orchestrapal & Senior Citizen, Thank you both for the info - will look into it. Link to comment Share on other sites More sharing options...
Rare WesW Posted February 15, 2011 #30 Share Posted February 15, 2011 Paul, HTH global navigator sounds like a good insurance plan for you, since you live on a cruise ship half the year :) Link to comment Share on other sites More sharing options...
Paulchili Posted February 15, 2011 #31 Share Posted February 15, 2011 Thank you Wes - in the process of checking it out. PS - That may be true for this year but (unfortunately) not every year :). Link to comment Share on other sites More sharing options...
Senior Citizen Posted February 15, 2011 #32 Share Posted February 15, 2011 As we age (ahem...), DH and I think more and more about medical evacuation and repatriation (especially after we've read others stories about their use of such coverage). Our medical insurance and medicare supplemental insurance should cover us for actual medical costs (we asked and they said they do) so buying trip insurance boils down to covering evacuation/repatriation. And, since DH's mom is in her 90's, we need to have trip interruption/cancellation if we have to head home unexpectedly. Most annual trip insurances do not cover trip interruption/cancellation. It doesn't matter if you cruise or do land travel, you should always have trip insurance. I am just learning this now from reading of medical/personal emergency experiences others have faced. Link to comment Share on other sites More sharing options...
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