Medical insurance for travel
Jul. 28th, 2018 12:58 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
mtbcI previously complained about the bundling of pet insurance: for our cat I would like some high-deductible insurance for expensive veterinary issues such as emergency treatment or chronic conditions but I do not want to pay for other inclusions such as a reward for if our cat is lost or stolen. I feel similarly about travel insurance: while I want coverage for catastrophic medical incidents when I visit the US I do not care about having my insurance pay out for lost baggage or delayed flights or suchlike: those risks I can bear myself. I suppose that travel to France and Germany might become an issue too if my European Health Insurance Card becomes useless next year.
I have used Expatriate Healthcare who at least allow enough policy unbundling that I am paying for medical coverage only. Still, the coverage is perhaps rather more than I need: it does not take account of that I have no preexisting medical conditions and am not traveling to anywhere very exciting. Therefore I wonder if there are other providers whom I should consider; I do not mind a high deductible. Shopping around for medical-only travel insurance is a pain. A further bundling complication is travel insurance is sometimes thrown in cheaply with other services that perhaps I should consider: credit cards or whatever.
Also I am curious about more general insurance providers who are unusually willing to offer policies à la carte. Generally I have been happy with NFU Mutual for most of our insurance, not that I have ever tested them with a claim, but for some matters they do seem typical in offering only a few fixed bundles that do not correspond to what I want covered.
I have used Expatriate Healthcare who at least allow enough policy unbundling that I am paying for medical coverage only. Still, the coverage is perhaps rather more than I need: it does not take account of that I have no preexisting medical conditions and am not traveling to anywhere very exciting. Therefore I wonder if there are other providers whom I should consider; I do not mind a high deductible. Shopping around for medical-only travel insurance is a pain. A further bundling complication is travel insurance is sometimes thrown in cheaply with other services that perhaps I should consider: credit cards or whatever.
Also I am curious about more general insurance providers who are unusually willing to offer policies à la carte. Generally I have been happy with NFU Mutual for most of our insurance, not that I have ever tested them with a claim, but for some matters they do seem typical in offering only a few fixed bundles that do not correspond to what I want covered.
