Tag Archive: travel insurance contact


Travel medical insurance – how to get better deals. Usually and in general travel emergency insurance is more expensive when purchased in North America before going on a trip – let’s say to Europe. I suspect that this is caused by high third party liability provisions, when something goes wrong (in other words legal action). For my international travels I purchased all my insurances online. They are large insurers, but come with a price. When in Europe and an insurance case arises while out of country I experienced the biggest frustration not so much with the insurance coverage, but with the inability to contact the emergency phone numbers for such cases. And this has nothing to do with the mobile phone technology used to get through to wherever these insurances have their headquarters (usually somewhere in USA, Canada or out in virtual space). When an emergency arises and you are somewhere in Europe or in North Africa, or (God forbid in Timbouktou) and must rely on a mobile phone, no such luck to get through to an insurance who – in the worst case – gave you an international “call collect” number. Examples: Travel Guard. I had bought expensive coverage. When in Berlin on one occasion I needed to contact their emergency number. Of course at a time when they (in that case in Canada) are reachable during their office hours. It should be noted at this point, that when anywhere in Europe and renting a temporary vacation home the only phone one has is a mobile (cell) phone, even if you rent for several months. That is expensive in terms of air time. The person at that Travel Guard insurance who is on call took his sweet time to respond. In fact this particular incident I never got anybody to answer my call, only some music playing. That cost me 20. Forget it ! Subsequently cancelled this  insurance, requesting a full refund. Then bought an insurance in Germany for the remaining several months stay, same or better coverage, for 130 (instead of the initial C$2,000).  For several trips within Europe and North Africa I then bought a travel emergency medical insurance with a trip package (examples: one month Tunisia, one month Morocco), insurance per one month trip only around 100. Another example: Pacific Blue Cross, head quartered Vancouver, BC. Gives you a collect number to call (within 72 hours of an emergency). Some online travel insurances provide an “international toll free number”. Do not expect to be operational in any country where the mobile phone provider has overriding airtime authority. Check out this one, sold in North America and offering world-wide toll free numbers [ http://infomarket.avoxi.com/International-Toll-Free-Numbers.html? ]. This is a ‘cloud communications’ provider. Of course, enough customers may fall for this, order this package, subscribe to it, then arrive overseas and discover the pitfalls. Remember, CEO and founder David Wise is in South Carolina, possibly never visited any country to test his system for functionality. When in Europe a visitor must abide to the federal or local rules of mobile providers of the country visited. International toll free numbers work in North America and Mexico. Worst contact phone number that any business or your Bank can give you prior to travel are “call collect” numbers. By the time I am through an automated answering system (in Canada) my mobile phone service times out.

My advice: Buy travel medical emergency insurance from within the country you visit. Or else, do not buy any, pay a doctor or clinic, usually way cheaper than anywhere in North America. I never had any problems with any European travel insurance provider. You can usually trust them.

 

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As travel as a pastime, entertainment and necessity has become one the biggest ticket items sold and bought on the Internet, particular by a large seniors’ population, who incidentally require more than anybody else PEACE OF MIND (Oh my God, maybe I suffer a stroke while enjoying myself in a foreign country !), Insurance companies are advertising and selling at all cost and pressurising travelers to buy travel insurance. Sell at all cost, make as an agent your (who knows) 40% commission, but under no circumstances provide the most needed coverage to some poor sod who happens to have travelled out of country. Is travel insurance then useless ? unwanted ? not needed ? not necessary ? I would say so. Today when everything is bought and sold online, how do insurances make money ? They make money on the people who never use it. [ quoted from http://viewfromthewing.boardingarea.com/2013/05/24/the-travel-insurance-scam-read-this-post-before-you-book-your-next-trip/ ].
Point in case: Travel to Europe. Spend several months. Before leaving, buy some travel insurance package, including cancellation insurance, emergency medical insurance, delayed or lost baggage. The insurance company will provide an emergency phone number for the traveller. As you know, in Europe almost no one uses any landline phone, everybody is on a mobile phone (or as we call it: cell phone). Meaning expensive air time and roaming charges. When calling from Europe to North America, where these insurance agents physically reside, nothing but problems with their CALL COLLECT or TOLL FREE phone number (that would only work in North America). Call Collect works in misterious ways. A traveler has a medical emergency and needs to phone the insurance within 72 hours of that incident. If that person ends up in a hospital, a payment out front must be made (give me your credit card!). If that poor traveler is unconscious, he or she will most probably lie in some corner in the hospital, never waking up. Meanwhile the period of 72 hours to call the Travel Insurance overseas, has passed, and the policy is invalid. My recent case: I just spend three months in the South of France, using my cell phone with a French SIM card, that when used costs me a fortune, even if I would ever reach some call collect number. It would be an anwering machine, and waiting times at least ten minutes, costing from Europe like €20 at least. No matter, what kind of contact number the insurance gives you, there are still air time and roaming charges. Call Collect always costs the caller. [ http://www.howtocallabroad.com/qa/toll-free.html ] While international “Toll Free” numbers may work for the insurance company who sells them (usually residing North America), but not for the international traveler who tries to use them. All those (emergency call) numbers offered by North American insurance companies are foremost controlled by the country where a traveler currently resides.
Before leaving I had bought at Pacific Blue Cross $878 travel insurance for three months to cover emergency medical, and cancellation. When I needed them, using their Medi Assist call collect number, no contact, no way to reach them, my service provider hung up. Meanwhile I could have used a small amount (like not more than €50 to pay for a Doctor or Pharmacy). For the Pacific Blue Cross I tested their phone numbers after my return, typical wait times were way over ten minutes. The travel insurance industry has figured out that according to statistics – comparing insurances sold and emergencies covered – it has become extremely profitable to sell travel medical emergency insurance.
As mentioned before, insurances make money on the people who never use it. BTW – delayed or lost baggage is covered by the airlines.