Eye on Travel Insurance

There are basically two types of overseas emergency-medical-evacuation policies. First is the type of coverage supplied by Divers Alert Network, or DAN (Durham, NC; 800/446-2671, www.diversalertnetwork.org).

DAN is primarily designed for scuba divers, but anyone can join. Their basic coverage is called "DAN Membership," and for a year's protection the cost is $35 for an individual or $55 for a family (including spouse or domestic partner and children under 24 in school and...

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I would like to share valuable information recently supplied by two travel insurance sources.

First up is a table of advice from InsureMyTrip (800/487-4722, www.insuremytrip) to which I have added some information and tips of my own [in italics — Editor].

Top Reasons Travel Insurance Claims are Delayed or Denied

CLAIM ISSUE TIP Reason for canceling a trip is not covered under policy. Review the policy with a licensed travel insurance expert prior to purchase.... CONTINUE READING »
travel insurance

Following is a testimonial that an ITN subscriber, Thomas Selgas of San Diego, California, wrote to his travel insurance broker, Dan Drennen, relating to an experience that he and his wife, Anne, had with their post-departure policy.

Thomas wrote, “I should tell you that the insurance that we had for our trip to Cyprus was great.

“Unfortunately, Anne fell and had a concussion. She was taken to the emergency room and was there for an hour. When they found out that we...

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In my column this month, I will first answer a subscriber’s specific questions regarding purchasing travel insurance, then I will provide some thoughts and recommendations on the general subject.

QUESTION: Dear Mr. Wirtanen, my husband and I are planning a trip to China (including Tibet) and Japan in October-November and, for the first time, we are wondering about the value of purchasing travel insurance.

In the archives of your “Eye On Travel Insurance”...

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Discussion of a complex area of travel insurance. Your travel insurance policy may tap into your “Medigap” coverage, plus how Wayne deals with that issue on overseas trips.
This article explains the differences between these types of policies and reveals the great advantage of a primary-payer policy.
This article is for travelers who want the preexisting-condition clause waived when buying a full-feature travel insurance.
This article describes what a traveler needs to know about the preexisting-condition clause when deciding whether or not to purchase a policy that covers only overseas medical expenses and emergency-medical evacuation.