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I had a terrible experience with Allianz. My father had an approved claim for a canceled trip due to health reasons, but they only refunded half the amount. After he passed away, they refused to issue the remaining $7,500+ to his Trust, making it impossible to cash. This has been an ongoing battle for months.
I travel a lot for work, and I found that my annual travel insurance plan is much more convenient and cost-effective than buying insurance for each individual trip. It covers me as soon as I book any trip throughout the year, so I don’t have to worry about forgetting to get coverage for a last-minute getaway.
I had a minor accident on a scooter in Bali and learned the hard way to read the fine print. My insurance denied my over $5,000 claim because my policy had an exclusion for motorbikes, and I wasn’t wearing a helmet and didn’t have a scooter license, which were also requirements for coverage.
I’m in my 70s, and for any expensive trip I plan, especially internationally, travel insurance is non-negotiable. While it might be more expensive for seniors, the potential costs of medical care abroad are much higher, making it a worthwhile investment for my health and financial security.
I’ve been using Geo Blue for health insurance on my international trips, and it’s been incredibly affordable. For an 8-day trip to China, my policy was less than $30. When I got sick once and had to pay for a doctor out of pocket, I was reimbursed quickly for the full amount.
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