Posts Tagged With: insurance

More on Getting Vaccinated

In a recent post, we wrote about the process of getting vaccinated and immunized for our upcoming trip. Just the other day, we completed the final steps of getting our shots, pills and more. Thus far, this process has been one of the more cumbersome and time consuming affairs to prep for the trip. While at the medical Center on Monday, we certainly got the impression that they don’t have a ton of people coming in for world travel vaccinations. There was revolving confusion, waiting and more waiting. Once back from our trip, we look forward to leisurely paced suburban medical practitioners. You know:  Giant fish tanks. Friendly nurses. Etc.

Typhoid and more

The precautionary steps that Dr. Park recommended included three series of shots to prevent diseases that I’ve only really read about and some that I can barely spell (Hepatitis A, Polio Booster and Japanese Encephalitis), one oral vaccine prescription (Typhoid), and one set of pills to prevent…um…gastrointestinal emergencies (Ciprofloxacin –made famous by the Anthrax scare which also has an efficacy to treat diarrhea). We topped it off with a regimen consisting of boatloads of Dramamine for motion-sick-prone Brooke. Trust us, with sixteen different flights scheduled – she needs it.Getting Vaccines

The nurse was actually a lot of fun. She told us a few jokes to distract from the combined the six pricks that we received in a few minutes. The shots were overall painless with relatively small needles. One burned just a little bit, but other than that it hurt less than a Tetanus shot and only the Hepatitis burned for a second.

All in all, it put a pretty hefty dent in the wallet: Almost $400 per person. Oof. Insurance should help pay back for a couple of the shots which helps. Are the odds high that we would have contracted these illnesses had we not taken the time and cost to get immunized? Who knows. Probably not very high and we’ll be taking other precautions to stay healthy. But one of the big reasons that we’re taking this tip is because we didn’t want to look back regretting something we didn’t do. And, let’s face it—contracting a horrible, debilitating case of Japanese Encephalitis somewhere in Vietnam because we didn’t get a vaccine falls into the same category.

Now, I have to end this post in order to go to the fridge to take my semi-daily Typhoid vaccine. Hunh.  That’s something I never thought I would type.

-Phil

Ouch!

Categories: Health, Insurance, Trip Prep, Vaccines | Tags: , , , , , , , , , | 1 Comment

Travel Insurance

One of the many items on our pre-trip checklist was securing travel insurance for the voyage. First we asked ourselves “do we really need travel insurance?” After all, the insurance is just one more cost. And we’re healthy folks who can handle just about anything, right? After researching and talking with others, it turns out that the answer is an unequivocal resounding “Yes.” For the endless number of possible scenarios that could turn an easy going day in Buenos Aires to a long night in an Argentine hospital, insurance is a must have.

Hunting for the right insurance plan was a whole process in itself. There are dozens of plans that cover hundreds of scenarios. Travel Guard Chartis, CSA Travel Protection and The Divers Alert Network (DAN) are three well regarded and well-reviewed companies we found. We had success using the Travel Insurance aggregate site Squaremouth to sort through the plans.

The particular package that we ended up purchasing has similar coverage as those offered by most other plans. Practical offerings that should keep us covered in a handful of relatively likely scenarios: Travel Delay, Baggage Delay, Personal Items Loss, Life Insurance and 24-Hour Assistance Service. But the biggest coverage for us, the one that is more important than all others combined, is the Emergency Medical Insurance and Medical Evacuation & Repatriation. A lost bag we can deal with. Needing to get back to America ASAP due to an unexpected, horrific and terrifying emergency medical condition is where we would likely need a big helping hand.

We ended up choosing the Travel Guard Platinum from Chartis primarily because they’ve earned top marks on taking care of everything when a medical situation arrives after your day has taken a dramatic turn for the worse. No hospital co-pay, all paperwork covered and if something crazy happens where you need to be flown back home (Repatriation), they handle every single step. Most standard healthcare insurance plans offered by companies do NOT include the repatriation part and can be hit or miss with health care coverage abroad.

We recommend scouring through the plans, fine print and costs to find one that is tailored for your specific trip needs. For example, we had absolutely no need for “Employment Layoff” coverage, but the “Missed Connection” might come in handy to pay for a night in a hotel if needed. We also got a kick out of reading some of the disclaimers. Such as the horrifying yet humorous details on what percentage of your life insurance you’ll be compensated for losing just one leg or a finger & a thumb on a flight. Another example, you may receive compensation if your trip is interrupted by a Hurricane or Tropical storm, but only IF that storm has already been named.  Also, we are NOT covered if we need insurance because we were inciting a riot in another country or competing in a professional sporting contest abroad. Oh, insurance people. You know us so well.

-Phil

Categories: Doccuments, Health, Insurance, Packing, Trip Prep | Tags: , , , , , , | 1 Comment

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