travel insurance question

[missyfussy]

I got it for the first time ever for my trip to J in a few weeks...I think it did make me officially cross over to a responsible adult/old lady because never thought about getting it before.

I had read some horror story on Trip Advisor or somewhere about a US citizen who was taken ill and in a hospital in Kingston but needed medical care in Miami and couldn't get out of J...or some such business. And then locally somebody from my town died in China and they couldn't get the remains home because they didn't have the money...All this stuff made me think I should just get it. I think it was around $30 for 7 days. So I got basic insurance with some medical and I think a bit of life but my main thing was the medical evac. We are in our 40s but my husband had a weird heart thing awhile back and he is fine and dandy but you start to think more about this stuff as you get older.

I got it through sevencorners.com. That wasn't the original site I went to, though. The original site was a place where you could compare several different kinds of insurance. I got the link on Trip Advisor in the string about the ill man in Kingston. If you want, I'll see if I can find it again.

[Lola]

Its a personal decision.

If anyone's employer provides employee benefits (Life, AD&D etc) through SunLife Insurance, you may have it as a freebie from SunLife already, check your policy/HR dept etc.

Otherwise search online. sites like squarequote let you compare coverage types from a variety of companies

Its the Emergency Medical Care and Medical Evacuation portion that can be critical, because its verrry expensive if a person has to be airlifted with medical personnel etc. Basic care is reasonable in JA, but if you need specialized care or drugs to stabilize the heart etc., that can require approval for several thou$and dollar$ on your credit card as soon as you arrive at the facility.

[Yardie]

Its a personal decision.

If anyone's employer provides employee benefits (Life, AD&D etc) through SunLife Insurance, you may have it as a freebie from SunLife already, check your policy/HR dept etc.

Otherwise search online. sites like squarequote let you compare coverage types from a variety of companies

Its the Emergency Medical Care and Medical Evacuation portion that can be critical, because its verrry expensive if a person has to be airlifted with medical personnel etc. Basic care is reasonable in JA, but if you need specialized care or drugs to stabilize the heart etc., that can require approval for several thou$and dollar$ on your credit card as soon as you arrive at the facility.

Just a heads up. Most companies (e.g. Travel Guard) will not cover pre-existing conditions unless the insurance is purchased within 15 days of your initial deposit so if you purchase the air first, purchase the insurance immediately using the amount paid and you can amend the total once the hotel is paid in full and pay the difference in premium at that time.