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Health insurance/medical care
July 21, 2011
19:29
Katie
Orlando, FL

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When you're traveling abroad, how do you insure yourself? How do you ensure you'll be at the very least kind of taken care of if you get hurt? Do you not worry about this at all and hope for the best? This is one aspect I've never really heard other travelers speak about. I'm sure it differs in every country, but is there traveler's insurance or something?

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July 21, 2011
23:00
Benny
worldwide book tour (Ireland until May 22)

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See here for what I do for insurance: http://www.fluentin3months.com/resources/travel-and-business/

It's the same one used by many of my fellow technomads. It's a good price and works everywhere. I do this no matter where I go – but it's more expensive for time in the states (& Japan and some other countries). But it's otherwise very simple and pretty universal.

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August 6, 2011
21:53
Mjsielerjr

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Benny, I've heard of a couple people having problems with Worldnomads.


"And so it was… Right up until we were in the middle of Colombia and they refused to extend our policy. GREAT! Prior to that time we had claimed nothing and done nothing to deserve a rejection. Their excuse? They had a new underwriter and could no longer offer the same insurance policy. They could however, bid us a new one at 5.3 times the price of the old one. They were so generous as to give us 25% discount on top of this which now meant only 390% increase in travel insurance costs. In money terms that meant an initial 700 odd euro policy jumped to 3,700 and something euros and was then discounted by 25%. Oh bless them! And what happened to that clause that said we could renew indefinitely?" - http://www.tour.tk/cycle-touring-insurance-tips.htm   

 

WorldNomad's gets a pretty bad review on this website too. 

 

What's been your experience with WorldNomads? 

August 7, 2011
03:32
Benny
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EVERY insurance policy will have bad reviews. This is unavoidable unless you go for a super expensive one that will pay out for even poorly proven claims just for the sake of PR. I know people who have claimed from Worldnomads no problem, but you will always be able to find a link of someone who ran into issues.

When something works as it should you never hear about it, so you'll rarely find the 99% of positive stories from such policies. Alternatives are the same, but more complicated to set up and the same price or more expensive.

Although how someone paid €3700 is beyond me. I only ever pay a few hundred for mine. I was in Colombia last year and didn't have to pay any ridiculous fees.

Luckily I haven't had to claim anything so far, but applying the insurance has been very easy for the entire time I've been on them since I cancelled my way more expensive Irish-based insurance.

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August 7, 2011
08:01
Mjsielerjr

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Good point, you're totally right about the reviews. I'll give WorldNomads a second chance.

 

Thanks for replying so quickly too!  

August 24, 2011
18:00
Élan
Minnesota, USA

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If you will still have good health insurance in your home country while you're traveling, make sure to call them.  I had been doing lots of research on insurance for travelers only to find out that my US insurance company would cover 60% of my medical expensive while abroad.  I am lucky enough to still have good insurance through my father's employer, so it was a relief to find out that they'd still cover (60% of) me overseas. 

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January 5, 2012
07:50
pear
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Insurance coverage is provided by an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies.Health insurance is insurance against the risk of incurring medical expenses among individuals.

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October 29, 2013
05:49
christyler157
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Most important thing is that we all must have the basic understanding of travel insurance and health issues. In all, that kind of insurance policies covered hundreds of medical conditions. The health insurance card play an important role while we are on vacations or during traveling, if any health issue occurs then one can be provided with immediate help using the card issued by card assist. Passengers traveling along can easily find vital information regarding the health condition like , blood conditions, diabetes, allergic reactions, alzheimer’s, dementia, asthma, epilepsy etc.

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