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scotsgranny

Citi Double Cash Benefits -- Can we buy just evacuation coverage?

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It looks like our Citibank Double Cash mastercard covers quite a bit, such as trip cancellation/interruption, illness, medical, etc., but not emergency evacuation. Can anyone recommend a policy just to top it up with that coverage only?

FYI: This card has some changes effective 7/29 but our cruise is 7/5-7/15

Thanks!

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Ummm - be careful. I have the same card and nowhere in the information on their website do I see any coverage for medical expenses. Cancellation due to medical reasons, yes, but not medical insurance.

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On insuremytrip.com you can buy medical/evacuationcoverage without trip cancellation/interruption.

 

Fill out the quote form but only show $1 trip cost. You'll get a selection of policies with different medical/evac coverages and costs. The only trip cost coverage is the $1.

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On insuremytrip.com you can buy medical/evacuationcoverage without trip cancellation/interruption.

 

Fill out the quote form but only show $1 trip cost. You'll get a selection of policies with different medical/evac coverages and costs. The only trip cost coverage is the $1.

 

If you do this, double check that you'll have coverage for any pre-existing conditions, if needed.

 

You might want to check with www.TripInsuranceStore.com (they are another broker), but we always suggest calling rather then relying upon the various online policy summaries. The fine print can really matter...

 

GC

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Calling is good for assistande and advice. BUT your written policy is what will be used in settling a claim. Not phone calls, emails, texts or even U S Mail letters. Only the actual policy.

 

So be sure you find your answers in the policy itself. Ask for the policy source location when given an answer by anyone then find and understand the answer in that policy section. Policies are not standard across different companies or even policies within the same company.

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I would be skeptical of having medical insurance through a credit card until I saw the actual details, in writing. As to Trip Evacuation one can get a decent policy through medjetassist.com which is generally considered the Cadillac of trip evacuation policies.

 

Hank

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We maintain a medjet membership as part of our overall travel medical protection plan. However, medjet is not a traditional "insurance" plan that reimburses you for financial loss. Medjet provides a service - they will arrange for transport from a hospital anywhere in the world to a hospital of your choice in your home country. Important caveat - transport only from hospital to hospital - not from ship to hospital, not from port to hospital.

 

If you want coverage for ambulance service to a hospital or for "rescue at sea" (if you are in waters where there is a charge for rescue), you will need coverage other than from medjet.

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We maintain a medjet membership as part of our overall travel medical protection plan. However, medjet is not a traditional "insurance" plan that reimburses you for financial loss. Medjet provides a service - they will arrange for transport from a hospital anywhere in the world to a hospital of your choice in your home country. Important caveat - transport only from hospital to hospital - not from ship to hospital, not from port to hospital.

 

If you want coverage for ambulance service to a hospital or for "rescue at sea" (if you are in waters where there is a charge for rescue), you will need coverage other than from medjet.

 

And for MedJetAssist to step in, you'd need to be *admitted as an inpatient* - not just in the ER or admitted for "observation" (sometimes a tricky status).

And you need to get yourself to that hospital.

 

We have this coverage, but we are also exploring if there are comparable companies that could start helping "sooner" if needed. Each "rescue" company, no surprise, seems to have some pros and some cons...

 

GC

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GC, please keep us updated on your search. Thanks!

 

Will do, but it's not easy.

 

I found a few other possibilities (just with Google, for starters), with one link leading to another, etc.

 

Just as I thought I found something possibly better (I didn't get to the point of really comparing fully), I also started reading about how the "network of local providers" was too often unsatisfactory. It didn't seem to be a "one bad apple/location" situation, although I'll look a bit further.

 

Fortunately, we are no longer at the "backpacking" stage, in terms of falling into a ravine way off the beaten track or such.

However, there certainly are plenty of locations where one of us could just take a fall - or just "get sick" - where there isn't easy ambulance service to an actual hospital...

That's the concern right now.

It's not just the expense; it's finding a good provider in <wherever land> to get one to a hospital <wherever else>.

 

So the "agencies" may have the same problem "locally".

 

As an example, I'm thinking of Bermuda, where a ship physician and we decided at almost the exact same moment to call an ambulance.

Well.... that ambulance would have had trouble going any slower and still actually move. Cars were constantly passing us (and with the narrow roads there, that says something!). The situation was by then stable (thanks to ship medical staff, who did everything "just right", according to Bermuda ER and also home specialists), but I still wonder IF it hadn't been stable, would the driver have gone faster - with or without our urging??

 

We have no intention of "just staying home", not yet anyway! ;)

However, we do want to find the best sources (or network?) of "help" just in case.

 

GC

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