We are not satisfied with Global Underwriters.
We will be filling a claim for out-of-pocket expenses related to treatment for a fractured wrist my wife received while traveling in Chile. She received medical care in Buenos Aries; x-rays, medical assessment and a cast. The doctor informed us that my wife required surgery to repair that brake so we elected to return home early to be treated by our local doctor. We notified Global Underwriters of the situation and were told that our insurance would not cover the cost of an early return home. We were told that they would cover the surgery in Buenos Aries but not the travel expense to return home early to be treated there.
The Global representative actually laughed at us and told us that we bought the wrong coverage.
I should note that the total cost for the medical care in Buenos Aries was $110. With a deductible of $100 Global owes us $10. We are still had the out of pocket expense of $1,300 in changes in travel arrangements, not to include the lost value of our vacation because we ended up missing 1/3rd of the package group tour we were on at the time of the incident. Further, we paid $280 for the insurance package so in total we will have out of pocket expense $1,570 assuming we get paid the $10 Global owes us.
Anyone who is traveling abroad should know that most trauma injuries incurred while traveling are ambulatory and should insure that the coverage includes early return due to injury. Emergency medical evacuation does not cover ambulatory situations.
Also, check with your own health insurer to see if they provide primary coverage for illness or injury when traveling abroad. We discovered that our health care provider would provide primary care coverage while we were overseas to include referral to local medical facilities in the event of illness or injury, coverage of medical transport to local facilities and translator services if necessary.
We are not happy campers! We would have been better off if we had not purchased the insurance in the first place.
ottie n. would not
recommend this plan to a friend or relative.