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Travel insurance with baby
We're taking our first big vacation with the baby, spending
about $2200 on hotels driving around California. We could
lose a lot of money if baby gets sick and we can't go, and
since cancellations mostly require 30 days in advance (or
worse), we were thinking about travel insurance. Have you
been successfully reimbursed in a similar situation, and if
so, what company did you work with?
I don't know what hotels you booked, but my experience is
that most hotels let you cancel and won't charge you until
6pm on the day of arrival. No insurance needed.
Has anyone actually collected on trip cancellation insurance? If so, please recommend the
company. I've heard some horror stories. We have very frail parents, and I want to be
prepared in case I have to cancell a big trip for reasons of illness of travellers or family
I used Access America when my mother in law was dying of cancer
and successfully collected. As it turned out, I had to cancel
my trip not because of her illness (she had already died by
then) but because of a sinus infection that kept me from
flying. I had to get my doctor to fill out a form, but it was
quite straightforward and the check arrived within a month. I
wished I'd had it earlier, when my MOL went into the hospital
and I had to cancel another trip.
Both flights had Access America options on the webpage where I
bought the tickets -- I think it was $12 -- well worth it in my
I am a doctor and just wrote a letter last month for a patient
who had to cancel a cruise. They got full reimbursement, I
believe. The company was Old Republic Insurance Company
We will be taking a 7 night Alaska cruise to celebrate my mom's
60th birthday. Does anyone has recommendation on travel/cruise
We got a policy online through Travel Guard that was relatively
easy to do (www.travelguard.com) for a recent trip to Hawaii.
One of their policies was a good match for what we wanted. Each
company offers something slightly different, so figure out what
you want covered. Some cover only trip costs, others cover
medical and so on.
There was another company we found called Access America, but
they were significantly more expensive. There is also AAA, but
I think they are a reseller of the Access America policies and
were pretty pricy.
We went on our trip and so never filed a claim, so I can't vouch
for how they respond to claims.
Has anyone used supplementary insurance plans while travelling in SouthEast
Asia? I am looking into health insurance and also supplementary air evacuation
insurance. The latter would be for a sitution where someone is hospitalized
and can get appropriate care abroad but would want to be flown back to the
U.S. (so as to avoid a family member having to travel there).
Check out Travel Insurance Services
I started using them for travel to South Asia in the 1980's.
They were always responsive and efficient, so I continued to
use them, most recently in 2002. Because of how easy it was to
set up, I stopped camparison shopping after the first few
trips, so I'm not sure how they rank these days by value. More
importantly, I never had to file a claim, so I have no idea how
they are on that end.
We signed up at
when we travelled to Russia.
Fortunately we did not need/use it, but I called
their customer service for some questions, and they
were extremely helpful.
I can heartily recommend Anthony Freeman in Richmond as a
reliable and honest health (and other) insurance broker. He may
be able to help you with health insurance as he has for me. 510-
235-0353 X17 (at M.A. Hays and Associates). Also, there is a
plan for scuba divers, called Diver's Alert, which is an
insurance plan that will transport one to decompression chambers
as well as home by air if there are scuba and perhaps other
travel injuries. It is on the internet and I don't think that
you necessarily have to be a scuba diver. The proceeds help to
fund decompression chambers and training all over the world as
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