Peteymil Posted February 8, 2023 #1 Share Posted February 8, 2023 What are the pros and cons of a yearly policy for trip insurance? 1 Link to comment Share on other sites More sharing options...
Morecruisesplz Posted February 9, 2023 #2 Share Posted February 9, 2023 7 hours ago, Peteymil said: What are the pros and cons of a yearly policy for trip insurance? Following Link to comment Share on other sites More sharing options...
Wayfairers Posted February 9, 2023 #3 Share Posted February 9, 2023 What does a yearly policy cover? Link to comment Share on other sites More sharing options...
Gilford57 Posted February 9, 2023 #4 Share Posted February 9, 2023 I am very interested in this topic as well. Specific annual plan items I hope you can discuss include: Medical coverage - Maximum amount per trip and per year. Is primary coverage available? Trip cancelation (and interruption) amount - Maximum amount per trip and per year. Can I add additional coverage if I hit the maximum early in the year? Covered reasons for cancelation/interruption - Are covered reasons similar to per trip plans or are they usually more restrictive? I am always concerned about missing a cruise due to airline or weather delays even when I fly in at least one day early. Pre-existing conditions - Are pre-existing conditions waivers available, and if so how does one qualify? If not, does any exclusion apply to non traveling family members? Do pre-existing conditions affect medical? cancelation? interruption? other coverages? Age restrictions - Are there age limits, or do you just pay higher premiums as you get older? Ideally I would love to find a comprehensive annual plan that gives me similar coverage to GeoBlue Trekker (medical and medical transportation) and also adds good cancelation and interruption coverage without having to worry about pre-existing conditions. If you have any specific recommendations, please share. Link to comment Share on other sites More sharing options...
InsureMyTrip Posted February 21, 2023 #5 Share Posted February 21, 2023 Link to comment Share on other sites More sharing options...
Wayfairers Posted February 22, 2023 #6 Share Posted February 22, 2023 Thank you. Link to comment Share on other sites More sharing options...
Happy fool Posted February 22, 2023 #7 Share Posted February 22, 2023 I’m interested in an annual medical/medical evacuation policy. I’m not so concerned about losing the cost of my trip. I would hate to lose the cost of a trip but it wouldn’t be financially devastating. On the other hand a medical emergency in a foreign country could be an unplanned, financially devastating event. any recommendations on how to evaluate such policies? Link to comment Share on other sites More sharing options...
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