Sunday, July 06, 2014

What is the Best Emergency Travel Medical Insurance?

Downtown Toronto - photo taken by my Toronto friend "Pat" yesterday


Folks, a quick question.  Non world traveler that I am I have no clue what is the best emergency travel medical insurance. Of course I have no plans on getting sick during my two week sojourn in Canada next month but one never knows.  Remember last year at this time?  I had THREE medical emergency room visits with bouts of kidney stones.  So here is my question:

What is the best travel emergency medical insurance?

I'm going to call AARP and AAA tomorrow.  I found something on the Internet called "Safe Travel" but I know nothing about it plus their website has next month's dates all screwed up which makes me suspicious of this website.  If they can't get the dates right on their website what's their insurance like?  Plus, buying anything at random on the Internet is like playing Russian Roulette, it's a BIG CHANCE.  And the review sites don't help much either because these companies are on to them and have their minions send in false reviews.

So I need some unbiased help from my weary world traveler blog readers.  

The question again is:

WHAT IS THE BEST TRAVEL EMERGENCY MEDICAL INSURANCE?

Thanks folks!








17 comments:

  1. If you are going to Canada, they have socialized medical programs. I had an ER visit in Montreal years ago and they basically just send you a bill for services... the big cost for me was the ambulance ride... but no hospital expenses... but double check on their medical insurance for Americans. Also I think there are a couple of companies out there when you buy travel insurance, medical may be part of the programs... just read fine print...
    Kelly

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    1. Thank you Kelly! I have Medicare but Medicare doesn't cover Canada. I told Pat if I fall and break my leg he would have to scurry me over the border to Buffalo for medical care! I don't plan on getting sick but you never know. Last year (at this time too) I had those kidney stone attacks that came out of nowhere so I am very aware that an emergency medical condition can happen anytime. A few years back when I was visiting my brother and his wife in Greenville, South Carolina with my Mother, she had to visit the emergency room in Johnson City, Tennessee. All bills were paid by Medicare but that was because we were in the states when her emergency medical condition happened.

      And thanks for the advice to read the fine print. That's what I'm concerned about.

      Ron

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  2. http://traveltips.usatoday.com/health-insurance-travel-canada-18318.html here is a good link also....

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    1. Thanks Kelly. I read the article. It was very helpful.
      Ron

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  3. Ron,

    Always a complication! There are some Medigap coverages for foreign travel, but you'd have to check with medicare to see what you need. Good luck with this.

    Lar

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    1. That's right Lar, always a complication! I'm checking. Interesting, the last time I visited Canada…..no passport and not a thought of medical insurance. Times change. Life is definitely more complicated.

      Ron

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  4. AARP and AAA are at least reputable. But Kelly is the expert!

    Peace <3
    Jay

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    1. Thanks Jay. I'm checking with AARP and AAA this week when they're open for business. I don't know anything about the other companies thus I'm reluctant to use them. They make it easy to take your money but how quick are they to pay up should I have a medical emergency? That's the question.
      Ron

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  5. Hello Ron,
    FYI, your Social Security Number and address should be edited out or you might want to take your picture down because the aforementioned sensitive information is present. Toronto is a great city, by the way. I hope you have fun!

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    1. Duncan,
      Excellent advice! I've removed the picture of my passport. No need to have that image on my blog.
      Ron

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  6. Hey Ron:

    I know our systems work differently when we are at home. But I thought that travel insurance would be similar when we travel out of country. I can buy a single visit insurance for about $30. But I purchased a year for just over $100 if I remember correctly. My insurance just wants me to call them prior to having a procedure done. I guess there would be certain circumstances where that might not happen - but I believe I would be insured. Maybe I can find something out at this end.

    Pat

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    1. Pat,
      I have more research to do on finding insurance. Seems to be unnecessarily complicated. Probably isn't. I should have an answer this week.

      Ron

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  7. I've traveled all my life to Canada and this has never been considered. I guess I've trusted the fine system of Canadian medicine to take care of me on the slim chance of a problem.

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    1. Dr. Spo,
      I have my answer. I'm covered both through my Medicare and AARP supplemental insurance. Phew! Now I don't have to worry about a medical emergency while I'm visiting Canada. You guys are living dangerously not having emergency medical insurance during your foreign travels.
      Ron
      Ron

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    2. after 50 years I guess I'm due. If I get sick on this vacation coming up I am going to blame you!!! hohoho

      Delete
    3. Dr. Spo,
      You probably have emergency medical coverage in Canada. You just don't know it. I checked and I had it. If not, we can always rush you over the border to Buffalo. It's only a two hour ride. Pat knows how to do tourniquets.
      Ron

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  8. I enjoyed scanning this post. The whole weblog is very nice. I've bought my new automobile and now looking travel insurance. Your blog helped myself lot. I like the deluxe package. Can a person please guide me additional?

    ReplyDelete