Travel Insurance

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Travel Insurance

Postby lisagoesindia » Sat Feb 01, 2014 9:45 am

Hi!

The details of my trip (Essential India) claims; "Travel insurance is compulsory in order to participate on any of our trips....please bear in mind that all clients must have medical coverage and that we require a minimum coverage of USD 200,000 for repatriation and emergency rescue..."

USD 200 000 sounds like a hell lot of money, does GA relly require evidence of that level of coverage?? :?

I have a standard Swedish property insurance that includes 45 days travel insurance anywhere in the world. I have never heard of anyone having to upgrade this kind of insurance for any trip shorter than 45 days. However I have not been ably to find a specification to bring/show of the total coverage level of the insurance.

Anyone who could give me guidance on this subject?
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Re: Travel Insurance

Postby Janice08 » Sat Feb 01, 2014 12:33 pm

US$200,000 is actually quite low for offered coverage. Give your company a call and to check as to how much it covers. It probably covers a higher amount if its standard coverage but you need this in writing, and you need to know about exclusions, conditions and when and how to contact them. Most policies that I've seen are in the range of $2,000,000 to $5,000,000. If you were in a serious accident and couldn't be transported home, the costs could spiral. And it doesn't need to be an accident either. You could easily pick up a bug that puts you in hospital no matter how careful you are. It probably won't happen, but then again, if it does you want to be prepared.
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Re: Travel Insurance

Postby ballu » Sun Feb 02, 2014 2:36 pm

Wow, I though the figure was closer to $1 million...I agree with the above, $200,000 isn't much. It wouldn't cost any more to get you home if you're suddenly and seriously injured on a 45 day trip vs. a 5 day trip.
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Re: Travel Insurance

Postby lisagoesindia » Mon Feb 03, 2014 5:45 am

Thank you,

So, I called my insurance company who will send me some paperwork. However the document will not state any figures on max coverage and they could not give me this on the phone either , as it's all about "necessary and reasonable costs" for this and that...

I also read the fine prints (terms) and there are some items such as dental care that state max coverage but not medical care in general...I hope this piece of paper will be recognized by GA :roll:
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Re: Travel Insurance

Postby IncaTrail50 » Wed Feb 05, 2014 12:37 am

lisagoesindia wrote: I have never heard of anyone having to upgrade this kind of insurance for any trip shorter than 45 days.

G Adventures trips aren't like ordinary trips! I would submit this insurance to G so they can assess. On every G trip I've been on your CEO asks for those insurance details the night before you start your trip. They call and verify your insurance and you don't want to find out you don't have enough coverage as you are about to board the bus!
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Re: Travel Insurance

Postby desiree2 » Fri Feb 07, 2014 1:53 am

Hi
I'm from Australia and it costs peanuts to get excellent insurance cover to Asia. Is it worth worrying about a couple of hundred bucks (tops) to get 45 days insurance? Most people would spend more than that on coffee :)
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Re: Travel Insurance

Postby sheeshoo » Sat Apr 12, 2014 2:37 pm

There are several companies online where you can purchase a travel insurance policy just for the length of your trip. I've used http://www.medexassist.com/ for my last 2 G Adventures trips - they're very reasonably priced and let you adjust coverage amounts.
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