Help me find the right travel insurance

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Jun 13, 2018
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#1
My wife and I are going to Israel in August. We booked on United tonight and have 24 hours to cancel if we change our mind,

My wife has pre-existing conditions (asthma, diabetes, prone to cellulitis) and is mobility impaired. We have to take a wheel chair if she goes long distances.
Our health insurance is with Horizon Blue Cross/Blue Shield

I'm looking for a policy that will cover

1) Insurance on the Car Rental so I don't need a CDW
2) Reimbursement for non-refundable airfare and hotel if we have to cancel the trip if my wife gets ill
3) Medical flight back to the US if she has to go into the hospital. I would have to go back to work after the trip and if she falls ill I don't want her to be away from me in a hospital in Israel

I don't know the full cost of the trip yet because only the airfare was booked.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
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12,233
113
New York
www.promalvacations.com
#2
Hi, Manny- we aren’t allowed to recommend insurance here. We can tell you what to look for but can’t recommend policies.

Go to insuremytrip.com. You need to find a company that offers a waiver for pre-existing medical conditions. Or a policy that has Cancel for Any Reason coverage.

You usually have to buy the policy within 2 weeks of making your deposit. Right now you will only Insure the cost of your flights. You need to do this to meet the time frame for pre-existing medical conditions.

When you purchase the rest of your trip just call the insurance company and add that cost into the policy. It’s very easy.

Hope that helps.
 
Likes: jsn55
Jun 13, 2018
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#3
Neil, thanks for the reply. I understand that advocates can't make recommendations but I was hoping that other members can. insuremytrip.com came back with three options but I'm confused. The plan states there is a waiver available for pre-existing conditions but there is a 60 day look back period. Does that mean that any pre-existing condition that was being treated within the past 60 days is excluded?
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Travel Select
Pre-Existing Conditions Waiver
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
(1) This plan is purchased within 21 days of Initial Trip Payment;
(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 21 days of the date of payment or deposit for any subsequent Trip arrangements;
(3) All Insured’s are medically able to travel when this plan cost is paid;
(4) The Trip Cost does not exceed the maximum Trip Cost limit under Trip Cancellation as shown in the Schedule per person (only applicable to Trip Cancellation/Interruption/ Delay);
This coverage will be terminated and no benefits will be paid under this Pre-existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.
PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 60 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.
For more help, please contact us.
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It also says there is Medicial Evacuation coverage of $500,000 but how would I know if a medical flight will cost more than this?

Travel Select
Emergency Medical Evacuation
EMERGENCY EVACUATION and REPATRIATION OF REMAINS
The Company will pay for Covered Emergency Evacuation Expenses incurred due to an Injury or Sickness that occurs to You while You are on a Trip. Benefits payable are subject to the Maximum Limit shown in the Schedule for all Emergency Evacuations due to all Injuries from the same accident or all Sicknesses from the same or related causes during an overnight Trip with a Destination of at least 100 miles from Your Primary Residence.
Covered Emergency Evacuation Expenses are the Reasonable and Customary Charges for necessary Transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All Transportation arrangements made for evacuating You must be by the most direct and economical route possible and required by the standard regulations of the conveyance transporting You.
Expenses for Transportation must be:
(a) ordered by the onsite attending Physician who must certify that the severity of Your Injury or Sickness warrants Your Emergency Evacuation and adequate medical treatment is not locally available; and
(b) authorized in advance by the Travel Insurance Administrator. In the event Your Injury or Sickness prevents prior authorization of the Emergency Evacuation, the Travel Insurance Administrator must be notified as soon as reasonably possible.
The Company will also pay a benefit for reasonable and customary expenses incurred for an escort’s transportation and accommodations subject to the Escort Maximum Limit shown in the Schedule if an onsite attending Physician recommends in writing that an escort accompany the Insured.
Special Limitation: In the event the Travel Insurance Administrator could not be contacted to arrange for Emergency Evacuation, benefits are limited to the amount the Company would have paid had the Company or its authorized representative been contacted.
Emergency Evacuation - means:
(a) Transportation from the place where You are Injured or sick to the nearest adequate licensed medical facility where appropriate medical treatment can be obtained; or
(b) Transportation from a local medical facility to the nearest adequate licensed medical facility to obtain appropriate medical treatment if the onsite attending Physician certifies that additional Medically Necessary treatment is needed but not locally available; and You are medically able to travel; or
(c) Transportation to the adequate licensed medical facility nearest Your home to obtain further medical treatment or to recover, after being treated at a local licensed medical facility, and the onsite attending Physician determines that You are medically able to be transported; or
(d) Transportation from an adequate licensed medical facility to an adequate licensed medical facility of Your choice for further Medically Necessary treatment if the onsite attending Physician certifies that You are medically able to travel.
Advanced authorization by the Travel Insurance Administrator is needed for (a), (b), (c) and (d) above.
ADDITIONAL BENEFITS
In addition to the above covered expenses, if the Company has previously evacuated You to a medical facility, the Company will reimburse You Your airfare costs, less refunds from Your Unused transportation tickets, from that facility to Your Return Destination or home, within one year from Your original Return Date. Airfare costs will be based on medical necessity or same class as the Insured’s original tickets.
If You are hospitalized for more than 7 days following a covered Emergency Evacuation, the Company will reimburse You, subject to the limitations set out herein, the expenses for:
1. Return of Children: Return of Your Children, who were accompanying You when the Injury or Sickness occurred, to Your residence in the United States, including the cost of an attendant, if necessary. Such expenses shall not exceed the cost of a one-way economy airfare
ticket, or same class as the original ticket, less the value of any applied credit from any Unused return travel tickets for each person.
2. Bedside Visit: To bring one person chosen by You to and from the medical facility where You are confined if You are alone. The payment will not exceed the cost of one round-Trip economy airfare ticket.
3. Bedside Traveling Companion: The Company will reimburse You for reasonable expenses incurred for Hotel and meals shown in the Schedule for the Traveling Companion to remain near You. For an insured Child, a bedside companion is available immediately upon Hospital admission. Receipts must be submitted. Coverage for this benefit ends on the day You are discharged from the hospital. For purposes of this benefit, Traveling Companion means the person is Insured under this plan and accompanies the Insured on the Trip.
If you or a Traveling Companion are Hospitalized due to an Accidental Injury or Sickness that first occurred during the course of Your Trip beyond the date Your coverage ends, coverage under this benefit will be extended until You or Your Traveling Companion are released from the Hospital or until the Maximum Benefit as listed in the Schedule is paid.

REPATRIATION OF REMAINS

The Company will pay Repatriation Covered Expenses up to the Maximum Limit shown in the Schedule of Benefits to return Your body to the City of burial if You die during the Trip.
Repatriation Covered Expenses. include, but are not limited to, the reasonable and customary expenses for:
(a) embalming;
(b) cremation;
(c) the most economical coffins or receptacles adequate for transportation of the remains; and
(d) transportation of the remains, by the most direct and economical conveyance and route possible, subject to the Transportation Maximum Limit shown in the Schedule.
The Travel Insurance Administrator must make all arrangements and authorize all expenses in advance.
Special Limitation: In the event the Company or the Company’s authorized representative could not be contacted to arrange for Repatriation Covered Expenses, benefits are limited to the amount the Company would have paid had the Company or its authorized representative been contacted.
For more help, please contact us.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
11,986
12,233
113
New York
www.promalvacations.com
#4
If your medical conditions have been stable and you purchase within 21days of making your deposit you should be fine BUT you must call the company you are considering and ask them your questions. We are not licensed insurance brokers and it’s actually illegal for us to tell you what is and isn’t covered. You must be well enough to travel on the day you buy the insurance for the waiver to be effective.

Call the insurance company they are the only ones who can give you the right answer.

I have never heard of Travel Select but if you are concerned, do a google search for “complaints about Travel Select” or what ever company you are considering.

We sell several different companies and Travel Select is not one.