Looking for Input

[Croooser]

We are looking for comments on the travel insurance approach that we are considering.

 

Several years ago we lost $2000 when we were unable to go on a cruise that we had purchased and we were not insured. So now we want to be insured against last minute cancellation as well as medical and evac while travelling.

 

Up until now we have been purchasing individual policies for each trip we take from Insuremytrip.

 

But now we have a new approach in mind.

 

1. Pay for the trip(s) using our Chase Sapphire Preferred Card which provides $5000/pp trip cancellation/interruption coverage as a standard benefit of the card.

2. Our individual health insurance plan (not medicare) from United Healthcare provides coverage for travel out of the country for any emergency treatment. It covers travel to the nearest medical facility but no medical evac. It does have a $5000/pp/yr annual deductible. Don't ask how much we pay for that. Suffice to say that it's out of sight.

3. Purchase a GeoBlue Trekker Essential Plan which will be good for all out of the country travel for one year and provides $50,000 secondary medical and $250,000 evac. It also has only a $50 deductible.

 

Total out of pocket would be $179/yr for 2 persons for the GeoBlue policy and all international trips taken would be covered. That's much less than we would pay if we bought individual med/evac policies for each trip.

 

Understanding that we have reviewed coverage amounts and exclusions and they seem to fit our comfort level, am I missing anything?

[Keith1010]

The key is to review all of the details to be sure you have not overlooked anything. It sounds like you did this but I would just double check it.

 

Keith