Médical Travel Insurance

[ssdssi]

I am looking for recommendations for medical travel insurance that can be used in both SBH and France. We are “seniors” and think that having this will be a good idea for our travel this year. Thank you so much.

 

[JEK]

Medjet is favored by most here. One wrinkle with SBH is they only airlift from a validated hospital with jet capabilities. One would need to get admitted in St. Martin or other places, to utilize the return home feature.

 

[PeterLynn]

We signed up with Medjet last year and noticed the wrinkle. Still unresolved is I saw Sint Maarten on the list, but not St Martin. Will the SBH hospital refer you to the dutch side or does one need to travel to Guadeloupe, which Medjet does support?

 

[cassidain]

Is OP only concerned with medical evacuation or also emergency medical care ?

 

[JEK]

We signed up with Medjet last year and noticed the wrinkle. Still unresolved is I saw Sint Maarten on the list, but not St Martin. Will the SBH hospital refer you to the dutch side or does one need to travel to Guadeloupe, which Medjet does support?

I don't believe that the "wrinkle" has ever been experienced by a Forum member. That is a very good thing!

 

[andynap]

Medjet is favored by most here. One wrinkle with SBH is they only airlift from a validated hospital with jet capabilities. One would need to get admitted in St. Martin or other places, to utilize the return home feature.

Another “wrinkle” is they won’t accept anyone 85 or older.

 

[amyb]

Good

Another “wrinkle” is they won’t accept anyone 85 or older.

Good point Andy…some of us age out and no longer will qualify for Medjet.

 

[ssdssi]

Is OP only concerned with medical evacuation or also emergency medical care ?

Emergency medical care also.

 

[LouiseL]

We were worried about the Medjet 85 limit this year as my husband was turning 86 during our renweal year. I was not finding any other alternatives but then they sent us our renewal for the year in October and it covered him. The cost went up but he’s covered.

 

[cec1]

Another “wrinkle” is they won’t accept anyone 85 or older.

Traveling to & being part of the SBH community at 85 & older is a thought that holds hope & anticipation for me!

 

[Hawke]

Me too.

 

[LouiseL]

Our first trip was 1986. Second trip was our honeymoon in 87’. Traveled elsewhere from 1992-2007. Back every year since 2008. Last 3 years twice a year. Just back from our February SB trip and heading to Japan next month. Age is just a number. Our newest motto, as long as we’re vertical, we will keep moving. Best to all.

 

[Hawke]

Our first trip was 1986. Second trip was our honeymoon in 87’. Traveled elsewhere from 1992-2007. Back every year since 2008. Last 3 years twice a year. Just back from our February SB trip and heading to Japan next month. Age is just a number. Our newest motto, as long as we’re vertical, we will keep moving. Best to all.

My motto is if I can do something today; I will be able to do it tomorrow.

 

[amyb]

My motto is if I can do something today; I will be able to do it tomorrow.

Hawke, I say from your mouth to God's ears.

 

[KevinS]

Words from Clint Eastwood to Toby Keith on aging:

Dont let the old man in.

 

[phil62]

My mantra, "green side up".

Phil

 

[Hawke]

My mantra, "green side up".

Phil

Phil; that was the joke every time my crew was installing sod.

 

[Leon]

Emergency medical care also.

Most decent travel insurance policies from reputable companies cover emergency medical and dental care. You need to know the cash prices for the probable treatments in SBH or your other destinations, to choose the limit(s) when you are buying the policies. Usually, you pay the doctor/hospital if you need the treatment and then send the receipts with the claims to the insurance carrier. Also, the good idea is (which Covid taught us) to make sure you have good travel delay coverage to cover potential serious illness on the island. It's not prohibitively expensive but not many carriers offer the amount that I consider adequate, something like 7K (if I am not mistaken)

 

[wafiw]

Most decent travel insurance policies from reputable companies cover emergency medical and dental care. You need to know the cash prices for the probable treatments in SBH or your other destinations, to choose the limit(s) when you are buying the policies. Usually, you pay the doctor/hospital if you need the treatment and then send the receipts with the claims to the insurance carrier link. Also, the good idea is (which Covid taught us) to make sure you have good travel delay coverage to cover potential serious illness on the island. It's not prohibitively expensive but not many carriers offer the amount that I consider adequate, something like 7K (if I am not mistaken)

I have looked up reviews on most of the recommended companies that have amazing reviews on how easy it is to take out a policy. However looking at the people who have had to claim, most of the reviews are awful. The premiums are a crazy price too.. one of us has a few conditions to enter but is very fit to travel and I am shocked at the prices and battles people have to get a payout,, it kind of ruins booking a holiday abroad now

 

[chiz]

we are "seniors''....we have found that age is a factor in determining your premium (older means higher costs...just like regular insurance premiums)....and that buying an annual policy (versus single trip) is typically cheaper....and that some Medicare supplemental policies will supposedly provide some medical coverage (never had to go down this path). Unfortunately we have had to file a few claims (trip cancellation, trip delay, lost luggage) but I guess that we are one of the lucky ones in that all of claims were paid without any issues (crossing my fingers for any future claims that we may incur)