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We are going on a Mediterranean cruise for 12 days. We have Aetna insurance (POS Choice II)–is that enough?

Mr. E asked:


Or, should we purchase travel insurance from CSA for $84 each? I just called Aetna, and they cover any medical related emergencies that we may encounter. Cruise ship’s infirmaries are out of network, so my plan covers me at 75% after a deductible. If I need an emergency room visit, then that would be covered at 100% after a $75 deductible.

Maybe a better question is, if we should get travel insurance, how does CSA stack up against TravelGuard, Insuremytrip, and others?

Peggy

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This entry was posted on Friday, July 17th, 2009 at 3:28 am and is filed under Travel Insurance. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

2 Responses to “We are going on a Mediterranean cruise for 12 days. We have Aetna insurance (POS Choice II)–is that enough?”

  1. Terry J Says:
    July 18th, 2009 at 8:39 am

    Jean

    I have learned the hard way, and always after the fact, of what a medical insurance says it covers and what in reality it doesn’t. I always suggest for people to protect their vacation with additional travel insurance. You are usually covered from when you step out your front door to when you get home. Plus, it also gives you extra coverage for loss or stolen baggage etc.

    As a travel agent and cruise specialist, I have used and sold Travel Guard, so I recommend them highly. I have had many clients who have been very happy when something did arise for their honesty and professionalism.

  2. sherohass Says:
    July 21st, 2009 at 2:43 pm

    Janet

    CSA is one of the best travel insurance companies. However it depends on their corespondent insurance company where you are going.
    In all cases it depends on the relationship of the corespondent insurance Company and the health care providers.
    At my Medical office there are some companies that without mentioning names we refuse to deal with.
    Aetna POS Does not Cover overseas travel. I am a physician and I had that company’s PPO insurance and I am sure it does not cover this band of health care costs.
    I would recommend Insuremytrip.com who are our affiliates.
    You might want to visit travel insurance web pages to have more information about travel insurance.

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