My Blue Cross/Blue Shield policy does cover me in Europe
My HMO (not Blue Cross/Blue Shield) also covers emergency care in Europe, as do many others. They cover emergency "out-of-service-area" emergency services regardless of where they're obtained. The problem is, as indicated, with the paperwork--I'd have to pay the health care provider directly and then file a claim within my HMO.
Because your coverage for any health plan, whether HMO or fee-for-service or whatever, depends not only on what company you use but also on which of their plans you have, to get reliable coverage information you're best off contacting your insurer.
Posts: 890 | Location: San Francisco Bay Area | Registered: 28 June 2006
On my last trip, I bought a policy from Travelguard that had a small amount of medical insurance (~$25000 coverage medical) and a BIG Medical Evacuation benefit ($500,000) It cost about $60 for a three week trip.
It even had $750 theft and loss benefit which came in handy since my camera was stolen in Rome.
Posts: 2920 | Location: Texas | Registered: 18 March 2006
The insurance premium is based on age of traveler. If Boisetravelers are on Medicare, they are in my age group, and the Travelguard premiums will be much higher than that $60 paid by Fibonacci. Some insurers won't even accept your application if you are "of a certain age."
On our last two trips to Europe, we bought AirMed evacuation insurance at $295 for two persons. That covers transportation back to the US if injured or killed, which can be an expensive trip, otherwise.
Older folks are more likely to fall down or fall ill or die while traveling, so we consider the evacuation insurance worthwhile. We have Blue Cross/Blue Shield for medical treatment.
Posts: 2821 | Location: Santa Barbara, CA, USA | Registered: 11 May 2003