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Old 10-12-06, 09:22 AM   #1
azitiz
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Travel Guard or other travel health insurance?

Hello - I'm looking into travel health insurance.
This is for a long (8 months) out of USA adventure.
My wife and I have no insurance here in the US, so that doesn't help.
We'll be travelling mostly in Central/South America.
We are worried about serious issues that would bring us into
a hospital (broken bones, surgery, etc), not other "minor" travel stuff
(the runs, aches, pains, infections, flus) that can be taken care of for
pretty cheap in many of the countries outside the US.

Travel Guard is one company that people seem to like. Anyone here
have any experience with them or any others?

Thanks!
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Old 10-12-06, 09:32 AM   #2
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I get my insurance through CAA (Canadian Automobile Association) who also provide me with tons of travel info. You might check with AAA (American Automobile Association).
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Old 10-12-06, 09:45 AM   #3
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I used TravelGuard, but only for a week and had no reason to file a claim.

I have a feeling that TG will be prohibitively expensive for 8 months -- assuming they're willing to cover a trip that long. You may be better off getting regular health insurance anyway and verifying that they will cover you while you are traveling.

Health insurance may be expensive, but a trip to an American hospital can slam you for $20,000 easy. So it's kinda cheap, when you think about it that way....
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Old 10-12-06, 03:11 PM   #4
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Don't forget to look at evacuation coverage as well. If you have a serious medical condition develop (trauma, disease, etc) you'll likely want to be transported home via air ambulance (heinously expensive). Many companies provide this. The key difference being how they decide you get this coverage.

I'm covered by my employer but for more dicey travels augment with Med-Jet Assist. For some select South American countries I'd consider a K&R policy, but that's a whole different nut.
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Old 10-12-06, 03:39 PM   #5
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Don't forget to look at evacuation coverage as well. If you have a serious medical condition develop (trauma, disease, etc) you'll likely want to be transported home via air ambulance (heinously expensive). Many companies provide this. The key difference being how they decide you get this coverage.

That's something the CAA coverage provides. I was quite impressed with the policy, and it wasn't very expensive. For my three months in Australia, I think it was somewhere around $150.00 (it's possible it may have gone up a little since then) and I've purchased coverage for the US several times, for about 3 weeks at a time, for somewhere around $50.00 each time. Really nothing when faced with the expense of medical assistance in places like the US!!
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Old 10-13-06, 09:41 AM   #6
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I think i've heard that AAA does offer travel health insurance and that it's good but more expensive compared to Travel Guard. I'll look into it though - I'm already a member with their roadside assist. which has saved my butt many times over the years! Though we're selling our car to go on this trip so I guess I won't need that

Is there insurance on bikes for traveling that one can get without renter/home insurance (since we are giving up our apartment while we're away and so can't get any insurance of that type)??

-alexander
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Old 10-13-06, 11:12 AM   #7
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Be sure to examine the details of any insurance plan that you consider. You need to know what is and is not covered, what are the deductibles, are you covered anywhere or only at specific doctors/hospitals, are claims paid directly to the doctor/hospital or reimbursed after you have already paid? Do they provide referrals to English speaking doctors, medical evacuation, as previously stated (VERY expensive!)?

The devil's in the details, as they say. Better to know before you need to use it.
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Old 10-13-06, 11:18 AM   #8
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Also make sure whoever you go with covers touring as a primary activity. Many insurers only cover it if it is a small part of the overall trip. We were insured through the British Mountaineering Council, no good for you though living in the US though. Sorry I am not more help there.
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Old 10-24-06, 11:29 PM   #9
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Shop around. I've traveled to South America alot, and I do know that in general, everywhere else you get standard health care just like the citizens, and it's a lot cheaper to by basic prescription drugs, without the prescriptions. I think there's a couple of shops in london you can get travel insurance (health) online. It's kind of wierd. Here in the states, it's so expensive to have health insurance, but anywhere else, basic medical care is available to anyone.

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