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Spiky
Joined: 29 Apr 2003
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 Posted: Wed Mar 26, 2008 10:20 pm Post subject: travel insurance for USA |
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Hey--
I'm working in Korea and am going to be travelling to the US with my small children. Has anyone ever bought travel insurance for a trip back to the US (I'm American). I'm going for a couple of months. A large deductible insurance is fine, but just in case something major were to happen, I'd hate to be there with no coverage.
Can anyone recommend any places to get it or have any experience with this? Thanks! |
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OiGirl
Joined: 23 Jan 2003
Location: Hoke-y-gun
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| Posted: Thu Mar 27, 2008 3:07 am Post subject: |
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I'm wondering the exact same thing.
I've been searching on www.squaremouth.com/travel-insurance/index.pl
Medex looks like it might be a good deal for me. Does anyone have experience with this company?
(Edit- fixed link!)
Last edited by OiGirl on Fri Mar 28, 2008 2:21 am; edited 1 time in total |
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Spiky
Joined: 29 Apr 2003
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| Posted: Thu Mar 27, 2008 9:02 pm Post subject: |
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| greatthanks--I'll check it out! |
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Spiky
Joined: 29 Apr 2003
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| Posted: Thu Mar 27, 2008 9:18 pm Post subject: |
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Hey thanks,
I checked out the website, you're right --MedEx looks good, it's much cheaper than the others, if it says it's secondary coverage, does that mean you'd have to have another policy as well? I read through the conditions but I'm not really sure about all the lingo and I think it's giving me a headache. grrr... |
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OiGirl
Joined: 23 Jan 2003
Location: Hoke-y-gun
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| Posted: Fri Mar 28, 2008 2:47 am Post subject: |
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| Spiky wrote: |
| if it says it's secondary coverage, does that mean you'd have to have another policy as well? |
| http://www.worldtravelcenter.com/eng/helpdesk/travelinsurance_primer.cfm wrote: |
Secondary Coverage: Secondary coverage plans require plan holders to have primary coverage, and the secondary coverage only covers those expenses not already covered by the primary coverage plan. |
Guess I have to keep looking, as I don't have any primary coverage... |
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OiGirl
Joined: 23 Jan 2003
Location: Hoke-y-gun
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OiGirl
Joined: 23 Jan 2003
Location: Hoke-y-gun
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| Posted: Fri Mar 28, 2008 3:08 am Post subject: |
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SquareMouth also says:
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What is the difference between primary and secondary coverage? Why does it matter?
Travel insurance policies offer either primary or secondary medical coverage. In the event of a medical claim or problem, primary coverage generally ignores your other insurance and pays the claim, if it�s for a covered service. Secondary coverage usually requires that you first go to your primary plan and request payment. With �secondary� coverage, you may be required to pay a deductible and may be asked to exhaust coverage from your other existing polices before filing a claim. In the event you do not have additional insurance coverage in existence, most secondary insurance becomes primary unless otherwise specified. |
| OiGirl wrote: |
| Spiky wrote: |
| if it says it's secondary coverage, does that mean you'd have to have another policy as well? |
| http://www.worldtravelcenter.com/eng/helpdesk/travelinsurance_primer.cfm wrote: |
Secondary Coverage: Secondary coverage plans require plan holders to have primary coverage, and the secondary coverage only covers those expenses not already covered by the primary coverage plan. |
Guess I have to keep looking, as I don't have any primary coverage... |
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