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ladybug's avatar

hi there! Thanks so much for putting this out there! So far the quotes I am getting from some of the companies are pretty steep. My husband and I will just be traveling internationally for 1 year. We do not have preexisting conditions. We plan on getting a nationwide private plan so we can still travel around the united states when we come back which with screening allows you to start it at any time. One of the companies I have spoken with, IMG, seem to have a worldwide medical evacuation plan and they say they can also cover in America with the same benefits. If I am really only wanting catastrophic or treatment needs that come up during that 1 year (won't do any preventative while traveling), do you think a plan that says they cover medical evacuation and treatment in America would suffice? You had mentioned that some say they cover you in America but they really only do it temporarily. It would be nice if we could just stay on the plan we are with while overseas for a few months when we come back to America and be covered. Overall we are trying to avoid paying much but still get an actual policy that would cover us if something unforeseen comes up and would also cover us in America. I feel like I am not understanding the plans correctly. Thoughts?

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Kim's avatar

Hi Brent & Michael, I feel like I know you two because I've been reading your blogs all year. Paul and I have Medicare A, B, D and a gap policy so we're fully covered in the USA and a few territories (American Samoa, for example). We've been kind of winging it with our Chase Sapphire card. But we think we need more. Safety Wing looks reasonable for travel insurance even for old geezers such as ourselves (65 & 66). But it doesn't appear to me that Safety Wing's evacuation assistance would cover someone who has stabilized after an accident or unexpected illness, to send them back to the US for more treatment (which would allow us to use our insurance). We're thinking about Emergency Assistance Plus https://www.emergencyassistanceplus.com/home/#home which pays to send you home with a nurse if needed after you have stabilized. They are really cheap. We were thinking of pairing that with Safety Wing. But, if Safety Wing offers that kind of evacuation assistance, it would be double coverage. Do you know if Safety Wing's evacuation policy covers that situation? Thanks! Kim

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