We’ve provided information on travel insurance options in the past, but we have recently been asked about our actual policies. First, everyone who travels internationally MUST have the right international medical insurance. Not having it can literally wipe you out financially. Most of us will survive the costs of trip interruption but can you survive uncovered medical costs of hundreds of thousands of dollars?
The Intentional Travelers Insurance
Below is a listing of our current travel insurance with annual costs being less than US$1,550. One incident recently paid us back way more than those total annual premiums.
United Health Care Supplemental Coverage
We maintain this premium Medicare supplemental insurance for several reasons but primarily because it provides $50,000 in international emergency medical coverage. Medicare and most supplements actually provide no international coverage.
EMERGENCY ASSISTANCE PLUS® (EA+®)
This insurance provides emergency medical repatriation for the insured and travel companions up to $500,000 with a crises management team available 24/7. We’ve had this policy for years because of the low cost.
Allianz Annual Travel Policy
We actually had to use one of their policies for a trip interruption incident and while it required a bit of time to submit the required documentation, they paid quickly. It was really helpful to recover all those associated costs and loses.
This is our primary travel insurance and it actually costs less than 2 or 3 supplemental cruise insurance policies. The coverage is based on annual payouts but it provides peace of mind should something happen. Afterwords we may need to reevaluate insurance for the balance of the year.
Annual Limits
Trip Cancellation Coverage $10,000.00
Trip Interruption Coverage $10,000.00
Travel Delay Coverage $1,500.00
Baggage Loss Coverage $2,000.00
Baggage Delay Coverage $2,000.00
Rental Car Damage and Theft Coverage $45,000.00
Emergency Transportation Coverage $500,000.00
Emergency Medical/Dental Coverage $50,000.00
Planning A Cruise? Start With The Intentional Travelers Port Guides
The Intentional Travelers 