Medical insurance for international travel or cruises

[Anonymous]

Anonymous wrote:Any suggestions on where to buy the travel insurance?

I believe most of the online companies are resellers. We’ve gone straight to insurance company:

https://www.nationwide.com/personal/insurance/travel/

[Anonymous]

Anonymous wrote:Use squaremouth or insuremytrip . Com. These are triavel ins aggregators. Just plug in what you want and you’ll get several quotes. I don’t buy trap cancellation insurance, don’t care about trip interruption I check the boxes for “primary” medical coverage and make sure it also includes medical evacuation ( almost always does). Really easy and inexpensive- but we’ve never made a claim.

This is what we do also.
FYI, some insurance goes up a little in price if purchased more than 14 days after initial booking.

Also, even with primary medical and evacuation only, you may still have to float costs and claim for reimbursement following their protocols… which is an extra headache in an emergency.

Medical and evacuation (with trip interruption that I don’t care about, but was included) was very cheap.

Found on squaremouth.

With multiple trips, you might consider annual, but I didn’t turn up anything that was cheap and primary, so I went with individual trips. Current destinations are low risk, so I didn’t get the$ 1,000,000 evac coverage.

[Anonymous]

Anonymous wrote:Do you get this? I don't care about insuring the cost of the trip. I just want healthcare and medical evac if needed.

Husband thinks we don't need it as the cruise is Caribbean and the other trip is to UK and France. He wants to just roll the dice.

WDYT?

DH was medevaced from the Caribbean. We also had to pay many thousands out of pocket for a local hospital before being medevaced. They didn’t take US health insurance. I will always get health and medevac insurance going forward.

[Anonymous]

Thank you for the recommendations. I don't want to worry about floating upfront costs. Is there an insurance option for that?

[Anonymous]

Anonymous wrote:Thank you for the recommendations. I don't want to worry about floating upfront costs. Is there an insurance option for that?

Not usually no, because many international hospitals do not take insurance and you have to pay cash to leave.