Assurant worldwide coverage

May 29, 2007

  1. jacodaro
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    jacodaro Expert

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    Have a client going to Europe who just inquired. Co is closed for the day. All I find is what is stated in CoreMed brochure. Can't seem to find it in specimen contract. What about evacuation services from Europe?
     
    jacodaro, May 29, 2007
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  2. somarco
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    somarco GA Medicare Expert

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    None.

    You won't find med evac, translation of medical records, etc in any domestic major med policy.

    This is why travelers need trip medical coverage.

    While you are at it, upgrade from Core Med to a real policy . . . like the One Deductible. At the very least take him to a Max plan.

    Core Med is only slightly better than Right Start.
     
    somarco, May 29, 2007
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  3. jacodaro
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    jacodaro Expert

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    They claim to include "worldwide coverage". What is that? Who does trip medical coverage? Will discuss policy upgrade. Without looking like an idiot I will mention the "new" plans that are available. We did get him off a Mega policy.
     
    jacodaro, May 29, 2007
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  4. somarco
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    somarco GA Medicare Expert

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    The major med portion works while out of the country but there are no provisions for med evac, repatriation, translating medical records, return of mortal remains, etc.

    http://tripmedical.com
     
    somarco, May 30, 2007
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  5. newmindfashion
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    newmindfashion Guru

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    Jacodaro,
    Check out IMG global - https://www.imgglobal.com/. Assurant affiliates with them for international medical coverage. Even though Assurant covers international, they won't include the evacuation and other services Somarco mentioned. A travel medical policy will cover those things.
     
  6. jacodaro
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    jacodaro Expert

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    Have the IMG contract sent by the regional sitting on my desk. Thanks.
     
    jacodaro, May 30, 2007
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  7. Crabcake Johnny
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    It's important for everyone to note that no major med plan is really designed for an oversees event. It becomes very gray area and I have yet to see a policy fully detail what is and is not covered while oversees. It gets even more dicey if you're not in a 1st world country. I would never recommend to a client that they rely on their policy for any extended trip overseas.

    My wife and I had a fantastic Blue Cross group plan that was flawless on claims. We went to Cancun where my wife got violently ill - ended up at the doctor's and on medication. Tried to file a claim when we got back and it was denied for not being a medical emergency.
     
  8. insuremojo
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    insuremojo Super Genius

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    I have spoken to Assurant about this same subject. Was told (have a client spending about 2 months overseas) that coverage was provided for medical emergency transportation to the nearest credited hospital either by ground or air transportation. What constitutes a medical emergency is a whole 'nother story. Had the client buy separate insurance for medical evac & repatriation of remains just in case for only $50. I want his butt covered and mine if anything happens.
     
    Last edited: Jun 1, 2007
  9. jacodaro
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    jacodaro Expert

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    insuremojo, where did you find $50 premium for med evac and repatriation only?
     
  10. insuremojo
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