Out of Country Medical Insurance

[BrendaK]

My husband is going to the States soon and needs out of country traveling medical insurance. He had a heart attack in March but his Dr. and his heart specialist will both write a letter to say that he is fine healthwise now.

Can anybody recommend a good insurance company that will cover pre-existing conditions?

[The Shirker]

Sorry to hear about your husband's ordeal. Try contacting your local CAA branch as they offer travel medical insurance. I think you can even get a quote online.

[Cough]

It doesn't matter if he has a doctors clearance or not. If he has medial problems "related to" his previous heart condition most insurance companies will not pay out. Check the small print.......

[ngjo]

Premium for travel insurance varies a lot depending on the health condition. When I checked their premium between major insurance companies like Zurich, State Farm, CAA and major bank, RBC Insurance (http://www.rbctravelprotection.com/purchase/index.html) seems to be the cheapest among them. Make sure you purchase the travel insurance before your husband leave the country. They won't sell it to you once you left.

[tetris]

Check Bluecross, they are really chaep, around or less than a looney a day.

[Turducken]

Do you have any platinum credit cards ? My father was working in China and Hong Kong for several months and didn't have to pay a cent for travelling medical insurance because it was provided by credit card companies. He was either using a platinum AMEX or Citibank Mastercard for this. Hope that helps !

[BrendaK]

Nope, no platinum CC's unfortunately.

We already have some travel insurance since he travels quite often. It's through T.I.C. Travel Insurance Coordinators. We buy a yearly plan all the time and it's very reasonable (I think it's about $60 for the entire family), BUT I'm pretty sure that they will Not cover any sort of pre-existing condition. That's why I want to buy an additional plan, just for the time frame he'll be down there.

I'll check out the ones mentioned and see if any of them cover pre-existing for reasonable prices. Thanks.