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Travel Insurance: CSP vs. Travel Guard

Discussion in 'General Discussion | Travel' started by Efilon87, Jan 8, 2013.  |  Print Topic

  1. Efilon87

    Efilon87 Silver Member

    Debating whether or not I need to buy additional travel insurance for my parents cruise. My dad is an authorized user on my CSP account, and the entire trip (air + hotel + cruise + transfers) will be paid with that authorized card; qualifying them for those travel insurance benefits.

    Now, do you recommend that I get additional travel insurance through one of those sites like TravelGuard or is the CSP Travel Insurance sufficient? I have always had additional insurance when I have traveled, but I never paid for it, since it was provided by the school I was traveling with. I have always had it when traveling, but never needed to file a claim.

    Trip Details:
    200k United Miles used for *A Business Award
    3 Nights at AVA Hotel and Suites in Athens
    7 Night cruise on Princess Cruise Line
    3 Nights at Waldorf Astoria in Rome (Hilton Award)

    Thanks for your help/advice!!
     
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  2. gleff
    • Original Member

    gleff Co-founder

    Not a fan of travel insurance generally, or put a different way I 'self insure'

    But if you're going to take out an additional policy, travelguard is probably the best company to do it with, they have a reputation for actually paying out claims. ;)
     
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  3. DTWBOB

    DTWBOB Silver Member

    Have you looked at insuremytrip.com?

    DTWBOB
     
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  4. philatravelgirl

    philatravelgirl Silver Member

    I use TravelSafe when I need travel insurance for big trips (3 wks+ out of country) and some cruises. cruise cancellation policies are pretty strict. That said, in the past when a cruise had mechanical issues causing a cancellation en route it was not covered by insurance.
    When I use miles or points for air/hotel when cruising I exclude those costs and I insure cruise costs only. With miles/points you can cancel trip, and pay fee to redeposit.
    I would look at reasons you want/need the insurance and go from there -
     
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  5. Efilon87

    Efilon87 Silver Member

    If im not mistaken, the CSP Travel insurance covers pretty much everything except for medical, right? Because if thats the case, then I just need to get a medical policy, which is much less expensive than a full policy.
     
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  6. HaveMilesWillTravel
    • Original Member

    HaveMilesWillTravel Gold Member

    Speaking of travel insurance... looking at emergency medical evac insurance for my wife who's going to travel to a African country with very limited medical care. TravelGuard wants $222 for a one-year policy, which I am willing to pay, but I don't know how it compares feature-wise and price-wise. Anyone with experience?
     
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  7. Ed Chandler
    • Original Member

    Ed Chandler Silver Member

    I'm interested to hear opinions as well.

    My wife and I are going to hike the Camino to Santiago in March, and while I have no doubts about my ability to hump a pack and march 15 miles a day ... my wife has been somewhat less vigilant in her preparation.

    Because my concerns are health-related, I'll point out that one difference between the CSP travel benefits and a travel insurance policy is that the CSP appears to cover things like trip cancellations and delays, lost luggage, and other "logistics" problems, but doesn't do anything other than "help coordinate" medical problems (short of accidental death and dismemberment, of course).
     
  8. HaveMilesWillTravel
    • Original Member

    HaveMilesWillTravel Gold Member

    I always imagined some call center agent googling a doctor's address for you. Does anyone have concrete experiences with that benefit?
     
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  9. Ed Chandler
    • Original Member

    Ed Chandler Silver Member

    Of course not. They never made it home. ;-)
     
  10. jbcarioca
    • Original Member

    jbcarioca Gold Member

    I have used IHI Bupa for many years. They are based in Denmark and are one of the largest travel insurers. They provide emergency referrals and advice, provide medical evacuation to home country if needed. Their services, I am happy to say, I have never needed.

    However, another customer of my broker had a serious fall in Nepal, and Bupa handled everything including a helicopter to an airplane to get him to a suitable facility. He chose to have a closer facility than to his home country and IHI arranged and paid for it all. That has made me happy to continue. Their prices vary by age and have some options also, including trip cancellation, although I know nothing about that product.

    Most of the travel insurance options I looked at including the major US ones, were quite restrictive and had lots of exclusions. I do not know how they are now because I never have considered changing from IHI.
     
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  11. HaveMilesWillTravel
    • Original Member

    HaveMilesWillTravel Gold Member

    Thanks. I am mainly interested in protections against catastrophic problems. Trip cancellation for most of our trips would not be financially disastrous.

    I'll take a look at IHI.

    Edit: ran a quick quote on their site, and it seems cheaper to get an annual cover than just a single trip (for one month).
     
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  12. jbcarioca
    • Original Member

    jbcarioca Gold Member

    I'm certain there are many good options, I just do not personally know about them.
     
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  13. cmj542
    • Original Member

    cmj542 Silver Member

    I've always used World Nomads. It's relatively inexpensive, and although I've never had to file a claim, a good friend did and said their customer service was great. I've seen it recommended by a couple of travel blogs. Bootsnall, a travel site, has a pretty good comparison chart for travel insurance.
    http://www.bootsnall.com/travel-insurance/travel-medical-insurance.html
     
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  14. Ed Chandler
    • Original Member

    Ed Chandler Silver Member

    This is the direction I've been leaning.
     
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  15. jbcarioca
    • Original Member

    jbcarioca Gold Member

    Bootsnall shows why I have liked IHI. The absence of limits is a big deal for me. I suspect if I ever need it I'll be in a very odd place, and including a traveling companion in the evacuation is a big deal to me too.

    I now hope none of us ever need the insurance we buy!!
     
  16. cmj542
    • Original Member

    cmj542 Silver Member

  17. Deal2020

    Deal2020 Silver Member

    Great info! I usually only rely on the insurances come with credit cards. Do not know if it is sufficient.
     
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  18. guinnessxyz

    guinnessxyz Gold Member

    Be careful with AMEX insurance and read the fine print. They don't insure anyone over 65 for instance and, at least on their Canadian card program, exclude certain Countries for rental car insurance and medical.
     
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  19. nbruce

    nbruce Active Member

    I use CJET travel insurance for all of my overseas trips. I had 2 occasions where I made claims because of my husband's illness. One trip was fully reimbursed because he was too ill to travel. The other was a trip to the Baltic area that was initially delayed, all expenses were reimbursed including prepaid hotels. I was flying using miles and United was very accommodating in re-booking and not charging for any of the changes. Then towards the end of that trip my husband was having health issues again and the insurance rep in europe made all the arrangements for my husband to go the hospital and see a Dr. Most shocking, we were in Copenhagen and after spending half a day in the emergency room, taxiing to the Dr's office and seeing the Dr the cost was $0. All medical is free to Danish citizens and visitors, the Danish government even paid for the taxi! I have to say that reimbursement was very easy and the support provided by this company was outstanding. I want someone who has my back IF I'm ill or hurt in a foreign country. It's cheap peace of mind.
     
  20. moongoddess

    moongoddess Silver Member

    If all your wife is going to need is medical evacuation coverage (and not coverage for payment of other medical bills), you might also take a look at MedJet Express. All they do is medical evacuation (as opposed to companies like TravelGuard, which offer more comprehensive medical coverage) - but they take the patient to a facility of the patient's choice, not merely the "nearest suitable facility" as determined by the insurance company.
     
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  21. blackjack-21

    blackjack-21 Gold Member

    I got an AMEX travel insurance policy for our trip to the UK in 2013, from our home near Toronto. Being in Canada, I used the AMEX Canada website to search for their travel insurance and found it was issued by RBC up here. The cost was reasonable for what we needed WITHOUT MEDICAL COVERAGE so I booked it for the trip. We didn't get to make it though, as about a month or so before we were to fly, my wife fractured her tailbone and was in great pain, so she wouldn't have been able to fly the seven or eight hours across the pond and return. I had made the TATL flight's reservations with AC reward miles, and the hotels in London with my HHonors points, plus reward flights on BA to BHD and back to London with Avios miles, and all were refunded promptly when I called AC, and cancelled the hotel stays online at Hilton and the BA flights online also. Only charges when I cancelled were some charges on AC and BA for cancelling, which I agreed to at the time, but all fees, taxes, YQ and any other charges were refunded to my CC. Calling AMEX, I asked if they would agree to cancel their policy and refund the charge for it, as I didn't use it at all, and if I had submitted the cancellation fees from AC and BA, they would have totalled more then the cost of the policy itself. After consulting with her supervisor, the young lady at AMEX agreed to refund in full and cancel the policy. So it may be worth having a look there if you're in Canada, but know that the rates aren't low, especially if over 65 as we are. But I found their customer service to be excellent when needed.
     

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