What travel insurance really means
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What travel insurance really means
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Re: What travel insurance really means
#2This is horrifying. Glad you made it out okay.
Insurance companies always felt like a Govt sanctioned scam. These companies are the real scammers that thrive by finding grey areas and loop holes to shirk their responsibility. Making this mandatory is just the government whoring its citizens out to these companies.
I cant imagine how I'd have dealt with a $20000 hole in my pocket. Come to think of it, I should seriously work on saving up for a "personal insurance fund" that I can draw from in cases of emergencies like this and not trust the insurance companies at all. Your story was a wake up call.
Re: What travel insurance really means
#3I always wonder when I buy insurance, if I need it will they actually pay out.
You should be able to get insurance for your insurance. So when you need insurance and it doesn't pay out. Then that insurance company can go after the first one without having to resort to twitter or medium to shame them.
Re: What travel insurance really means
#4This is horrifying. Glad you made it out okay. Insurance companies always felt like a Govt sanctioned scam. These companies are the real scammers that thrive by finding grey areas and loop holes to shirk their responsibility. Making this mandatory is just the government whoring its citizens out to these companies. I cant imagine how I'd have dealt with a $20000 hole in my pocket. Come to think of it, I should serious…
I think it depends on where you live and what kind of insurance it is.
In Canada I've had zero problem making claims against health, dental, car, and home insurance. But pet insurance dragged their feet every step of the way on a very obviously valid claim. Definitely have no evidence but my first Avenue of thought is that pet insurance is probably less regulated.
Re: What travel insurance really means
#5This is horrifying. Glad you made it out okay. Insurance companies always felt like a Govt sanctioned scam. These companies are the real scammers that thrive by finding grey areas and loop holes to shirk their responsibility. Making this mandatory is just the government whoring its citizens out to these companies. I cant imagine how I'd have dealt with a $20000 hole in my pocket. Come to think of it, I should serious…
I think it depends on where you live and what kind of insurance it is. In Canada I've had zero problem making claims against health, dental, car, and home insurance. But pet insurance dragged their feet every step of the way on a very obviously valid claim. Definitely have no evidence but my first Avenue of thought is that pet insurance is probably less regulated.
>Canada
See this CBC Marketplace piece on travel health insurance.
Basically, from what I recall, those medical forms are impossible to fill out correctly and they are used to deny claims.
Re: What travel insurance really means
#6This is why I'm an expat in the philippines.
Re: What travel insurance really means
#7wow, that's brutal. I've been looking at something similar through this outfit - https://www.globalrescue.com/ and now I'm not so sure if it's worth it or not.
Re: What travel insurance really means
#8I always wonder when I buy insurance, if I need it will they actually pay out. You should be able to get insurance for your insurance. So when you need insurance and it doesn't pay out. Then that insurance company can go after the first one without having to resort to twitter or medium to shame them.
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Re: What travel insurance really means
#9Looks like they wanted him to use NHS, unless he was dying. Luckily, I live in America, where no travel insurrer will ever tell you to return to as costs will increase by 40x.
Re: What travel insurance really means
#10Since moving to the UK I've found that insurers here have SO much more legalese in their contracts. It's really hard to figure out what they actually cover ("two-fifths of fuck all").
My top "Gold" level travel insurance doesn't even cover my phone getting stolen while overseas.