I've purchased Travelex Select from InsureMyTrip.com for my last 10 vacations and never had a claim. In August 2012, on a cruise ship somewhere off the Mexican Coast I suffered a heart attack in the middle of the night. After the E.R. Physician on board saved my life, I spent the next 11 days in a private hospital in Cabo San Lucas getting some of the best treatment available anywhere. Thankfully, my health insurance covered my very expensive bills from the hospital and what wasn't covered by them was covered by Travelex and Stonebridge. Please let me share the following tips for all:
1. ALWAYS ensure your U.S. health insurance plan covers you outside the U.S. Some plans do not, mine did and that was fortunate since the contracted hospital submitted bills totaling $219,000 U.S.
2. Understand that treatment provided on board is not generally covered under any plan. My bill was over $4,000.00 for three hours of treatment that saved my life.
3. Make sure someone keeps meticulous notes on expenses and receipts for everything. DO NOT expect to be reimbursed if you cannot prove you paid the bill.
4. Ask for copies of receipts and medical records from everyone that treats you. You'll need them for your claim!
As for my experience overall. My wife kept perfect notes and collected everything we needed. My family stayed at a local hotel to be close by just in case. Travelex and On Call stayed in touch with us throughout, arranged our return flights home and we submitted our claim with all the required paperwork received by them on September 14th, 2012. Our claim was processed quickly and efficiently and because our documentation was complete all of our expenses, trip interruption and medical expenses, were approved in full and we received our check for nearly $10,000.00 on October 13th. 2012. My premium was just $133.00 for my entire family. You tell me if it was worth it this time!
I can highly recommend Travelex and Stonebridge and applaud their professionalism. I never leave home without travel insurance and never will in the future. But please follow my tips above. No receipts, no reimbursement and ALWAYS download and read the contract BEFORE you buy. There is a reason travel insurance costs are so varied, they each cover different things. Don't assume, check whether everything you want covered is covered and there will be no surprises! Thanks to all at InsureMyTrip, Travelex and Stonebridge Casualty Co. for eliminating our stress and making us whole again. GREAT JOB!!!!
recommend this plan to a friend or relative.
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