Stand alone health insurance
I was wondering if any of you have purchased medical insurance only when traveling abroad and what companies would you suggest if you have. Expiereiences...good or bad?? Thanks so much. Hoping to be in Z in February!!!
Stand alone health insurance
by Robbob 
, Bonney Lake, Washington, Sunday, August 08, 2021, 12:18 (1921 days ago) @ gardengal1
We have an Allianz policy for international travel. They have three different coverage levels.
https://www.allianztravelinsurance.com/
Combined with coverage with our credit card, I THINK (HOPE!) we have good coverage.
Fortunately, I have never had to use it! 
Stand alone health insurance
We have had Allianz before and, like you, haven't had to use it!! I wonder what the cost of emergency evacuation
would approximately cost these days. Do they still evacuate to the nearest US hospital? Have you talked with anyone who has unfortunately had to use this service? I know of an example three years ago but I am sure $ have changed since then.
Stand alone health insurance
by frostbite , Hamilton MT, Sunday, August 08, 2021, 14:23 (1921 days ago) @ gardengal1
Medevac is expensive. That's why we buy insurance. We use Travelguard: 1-800-826-4919
Stand alone health insurance
by Robbob , Bonney Lake, Washington, Sunday, August 08, 2021, 20:04 (1921 days ago) @ gardengal1
edited by Robbob, Sunday, August 08, 2021, 20:12
I imagine the cost of medical evacuation is dependent on several factors: illness, medical support needed, distance, etc., so I do not know what an average cost would be. Nor do I know of anyone who has required it. Thankfully! And hopefully I never learn the cost!!!
I just checked my policy, it states, "We will identify the closest appropriate hospital or other appropriate facility, make arrangements to transport you there, and pay for that transport."
Stand alone health insurance
by Timmac , Steilacoom, WA, Sunday, August 08, 2021, 20:45 (1921 days ago) @ Robbob
The closest hospital they feel is appropriate may well be in Mexico. There are products I’ve seen that talk about your “home” hospital.
Stand alone health insurance
by KO 
, Port Orchard, WA, Tuesday, August 10, 2021, 12:49 (1919 days ago) @ gardengal1
Did have to use it once when my then husband developed appendicitis and was emergency air lifted to the hospital in Mexico City. They wanted to bring him back to the states but the doctor said he wouldn't have made it. Allianz paid the air evac directly, we never even saw the bill. The hospital did not have an agreement with Allianz for direct payment. So we put it on the credit cards, just over 10,000 and another 5,000 in doctors. Allianz paid us their maximum payment promptly, which was 10,000 on our policy. His home medical insurance, Tricare for Life, did pay the balance but took almost a year of paper work with them and Medicare.
Now I always use Allianz, they were helpful through the whole process Hopefully I don't need them. I recommend them on the basis of my experience.
--
KO
Stand alone health insurance
by jaui , Zihuatanejo, Monday, August 09, 2021, 01:33 (1921 days ago) @ Robbob
edited by jaui, Monday, August 09, 2021, 11:22
EXCERPT from post by Robbob--->
Fortunately, I have never had to use it!
