travel insurance for usa

[steveo3002]

any input for reliable travel insurance for usa

mainly concerned about any claims if we needed medical help

comparison sites go from £20 -100+ mostly from companys ive never heard of , and you never know until you claim if theyre good or a con?

[grumpyscot]

I use LV and take out a yearly policy - we alternate between USA and Turkey but often we'll have the 2 hols in one 12 month span. I get a discount because both my car policies are with them. Plus, they don't care about the medication I take (which is declared to them)

[saleen836]

Do you have any with your bank account?

[steveo3002]

nothing with the bank account

they do an add on but im not sure if its easy to get out as i wouldnt want it year round

[pherlopolus]

we use post office.

we have had to use medical cover on a few occasions out there and it has been completely hassle free.

[Geoff Stilwell]

A must without a doubt. Get a policy that gives at least £2,000,000 Medical cover. In the USA medical bills can rack up very quickly. Simple blood tests and and XRay will be circa $750...Operations for broken legs or wrists depending on the severity can start at $15,000 plus overnight charges. Go to www.health.costhelper.com So just make sure you have good cover. Cheapest isn't always the best.

Edited by Geoff Stilwell on Sunday 28th April 09:32

[Arklight]

Another vote for the post office, My parents use it for each visit and have had no issues when on occasion they have had to claim.

[pherlopolus]

Chest xrays, nebuliser and a 6 hour wait - $5,000.... mind you there was an old guy having some issues with Medicaid when we were in, he wasn't happy, in the waiting room in jamas, on pay phone to trying to get his treatment authorised.

Post office was £5m cover last time I checked...

[Matt..]

Has anyone tried AA travel insurance? It's considerably cheaper than the Post Office (£90 vs £40).

[maturin23]

Yet another nod for Post Office.

My son (4 year old) managed to fall out of a tree onto a rockery within minutes of arriving at my sister's house in Connecticut last year. Quick visit to the ER for two stitches in his chin. Final total came to over $7,000 (!).

PO handled the claim without query, dealt and settled direct with the US companies who'd sent us the bills and didn't even increase our premium on renewal this year.

[jmorgan]

We got one with cover should that Icelandic volcano kicked off again (or any natural disaster) Not sure what is supposed to be protected but as we are arranging our own and not through an agent we thought it worth while when we read the T+C.

[pherlopolus]

Matt.. said:

Has anyone tried AA travel insurance? It's considerably cheaper than the Post Office (£90 vs £40).

50 is nothing compared to the potential of it going wrong?

Imagine a bill for $300 from a walk in centre, that your ins company won't pay out on? Or takes £30 worth of phone calls to sort.

I am not saying AA is no good, just that I know the PO is worth every penny. They will have the same risk table, the only change will be how willing they are to pay out, and the ease of getting someone on the phone when you need it.