ruseday
Hey friends can someone who knows anything at all about insurance policy read this Travel Insurance - Compare Every Major Company - Squ... and tell me if it'd be useful if I like, sprained an ankle or something while traveling?
εм prιмε
if you're paying that $13.65? Then yes.
ruseday
YEAH it sure looks like it. I'm like???
DR. MEGANE
It looks like you get 50k for medical costs
ruseday
There's another one with better reviews for the same price
ruseday
I'm gonna check complaints just in case
DR. MEGANE
And then if it's major, they can spend up to 500k to like. Fly you back home for treatment? Unless it's a preexisting condition
DR. MEGANE
Is that for the whole 2 week trip?
ruseday
YES
εм prιмε
Travel insurance usually isn't expensive, but you'll have to pay that $250 deductible first
ruseday
I'm suspicious bc it seems too cheap, but I assume not that many people get injured while on a 2 week trip
ruseday
That's fine, honestly. $250 for a broken bone is fair
ʜᴀɪʟ ᴍᴀʀʏ
I don't work in travel insurance but it was part of getting my insurance license I'll take a look
DR. MEGANE
Nah, it'd fairly standard. I think last time I got travel insurance if was like. 7-10 bucks for a week?
ʜᴀɪʟ ᴍᴀʀʏ
https://d120fd3cr6hk64.cloudfront.net/documentation/... this is the document you want to be looking at, it's always in the exclusions that you'll find shit that trips you up
εм prιмε
(randomly, hit me up on the disco when you have a second)
ruseday
they have terrible yelp reviews
ʜᴀɪʟ ᴍᴀʀʏ
but yes this is a reasonable travel insurance rate, it gets expensive when you upgrade for trip cancellation etc.
ʜᴀɪʟ ᴍᴀʀʏ
I know nothing about this company specifically though
ʜᴀɪʟ ᴍᴀʀʏ
so reviewing the exclusions, it seems like a pretty typical travel insurance plan, however this one doesn't cover these things which can be... pretty usual to a vacation
ʜᴀɪʟ ᴍᴀʀʏ
(22) any Illness or Injury sustained while taking pa...
ruseday
GOD IM LOOKING AT OTHER OPTIONS and just "accidental death or dismemberment" that's that's great
ruseday
I'm not going EXTREME SPORTING so it's good. I'm good
ʜᴀɪʟ ᴍᴀʀʏ
this policy does not cover lost glasses etc.
ruseday
pay me for my glasses canada
ʜᴀɪʟ ᴍᴀʀʏ
NO STD COVERAGE FAM
ʜᴀɪʟ ᴍᴀʀʏ
keep it in your pants
DR. MEGANE
... I guess no visits to the sti clinic
ʜᴀɪʟ ᴍᴀʀʏ
overall it looks fairly solid, but keep in mind that's a deductible per issue not total
ʜᴀɪʟ ᴍᴀʀʏ
if you fall and break your leg and hit your head at the same time, that's one deductible, but if you break your leg one day and hit your head another day, that's x2
ruseday
I don't expect to USE it, I just want to have it. But I'm looking at Allianz instead which is bigger and has (slightly) better yelp reviews
ʜᴀɪʟ ᴍᴀʀʏ
working in insurance I can tell you every insurance company is more or less the same garbage
ʜᴀɪʟ ᴍᴀʀʏ
you just pay more or less dependent on your coverage needed, and since you're not going to be doing anything crazy, any basic plan should work
ruseday
Thank you friend
ruseday
I'm reading but I'll probably go with whatever's cheaper once I'm done reading