Travel insurance for a year, or, my current headache
I've had it all - a blod clot, an ear infection in Costa Rica where I lost 25% of my hearing for three months, weird allergies such as an allergy to soap... the list goes on. When looking for a travel insurance policy for my trip I've come across some roadblocks.
What am I looking for?I'm looking for a policy that not only covers travel accidents, trip cancellations, etc., but also a policy that allows me to visit a doctor in case any of my weird illnesses decide to come back and haunt me.
Scouring the internet, I've found a myriad of companies:
IMGlobal, Travel Guard, Divers Alert Network, STA Travel, 7 Corners, Clements, Flight Centre, Medjet... and the standout seems to be World Nomads. For a year long (or longer) trip, World Nomads offers an easily accessible policy that can be renewed online with supportive staff. It's expensive, but it's highly recommended by travel bloggers.
He recommends looking for a policy with minimum emergency medical assistance of $100,000. Additionally, emergency evacuation insurance should be seperate from emergency medical assistance and should be cover at least $300,000.
Nomadic Matt brings up a good point in his article: travel insurance is not medical insurance. If you're someone who visits the doctor often, you're going to need a Global Health Plan.
World Nomad's current competition: AXADuring the past two years in Madrid, I've had private health insurance thorough AXA. I've had access to a seemingly endless list of specialists and have even been hospitalized. My policy was around 45 euros a month and I paid minimal money for doctor visits, and low to average prices for tests and medication. I've also had the phone number of my agent and even texted him while in the hospital to make sure what was covered. I've been reimbursed for psychologist visits in just two weeks, after sending in one paper - that would be a record in the States.
Next week I will meet with him to talk about a possible plan with AXA for our trip. The travel insurance itself offered through AXA is half the cost, and a global health plan is also available in which doctor's visits are reimbursed 80%. AXA clients have access to thousands of doctors all over the world.
World Nomads - US citizen coverage vs. Spanish citizen coverageOk, I get it. World Nomads is great. But have you seen their coverage for Europeans?!? Let's compare.
Standard Plan for Europeans Price 781 euros Overseas Medical and Dental Expenses: 3,500,000 euros Hospitalization or treatment by a doctor or specialist: 100% covered Medicine: 100% covered Counselling after mugging or assaut: 200 euros Adventure sports or activities: Standard sports included Emergency Medical Transport: 350,000 euros Pre-trip cancellation: 3,500 euros and more
Explorer Plan for Europeans Price 874 euros Overseas Medical and Dental Expenses: UNLIMITED Hospitalization or treatment by a doctor or specialist: 100% covered Medicine: 100% covered Counselling after mugging or assaut: 200 euros Adventure sports or activities: Standard and higher risk sports included Emergency Medical Transport: 350,000 euros Pre-trip cancellation: 7,000 euros and more
Standard Plan for Americans Emergency Accident and Sickness Medical Expense: $100,000 Hospital advancement: $500 Adventure sports and activities: Standard activities Emergency Evacuation and Repatriation: $300,000 Trip cancellation: $2,500 and more
Explorer Plan for Americans Emergency Accident and Sickness Medical Expense: $100,000 Hospital advancement: $500 Adventure sports and activities: Standard and Explorer activities
Emergency Evacuation and Repatriation: $500,000 Trip cancellation: $10,000 and more
Current thoughtsAt the moment, my calculated coverage with World Nomads is $1,050 for 365 days of coverage. Next Tuesday I'll meet with my agent to discuss the AXA policy. Travel insurance is an essential - for anyone, but especially for me - and I'm determined to find the right policy for my adventures.