blrdck Posted January 10, 2019 Report Share Posted January 10, 2019 We are making an RV trip to Newfoundland and Larador this summer. Medicare does not cover us outside the US. All the insurances I have looked at are geared to flying or cruises with coverages I don't need. Does anyone know of a medical trip insurance for RVers? Quote Link to comment Share on other sites More sharing options...
SWharton Posted January 10, 2019 Report Share Posted January 10, 2019 Check with your secondary insurance. Ours covers us outside the country. It becomes your primary plan. Quote Link to comment Share on other sites More sharing options...
hiljoball Posted January 11, 2019 Report Share Posted January 11, 2019 Do a google search like "insurance for visitors to Canada". I found a number of reputable companies, like Blue Cross, Manulife, Sun Life, Royal Bank of Canada (RBC) offering travel medical plans for visitors to Canada. There were also some brokers in the search results - they may provide a more customised plan. John Quote Link to comment Share on other sites More sharing options...
blrdck Posted January 11, 2019 Author Report Share Posted January 11, 2019 Thanks fir the idea. Quote Link to comment Share on other sites More sharing options...
Kirk W Posted January 11, 2019 Report Share Posted January 11, 2019 5 hours ago, SWharton said: Ours covers us outside the country. It becomes your primary plan. If you have Medigap coverage in either plan F or plan G the medical needs for international travel are covered. Quote Link to comment Share on other sites More sharing options...
docj Posted January 11, 2019 Report Share Posted January 11, 2019 9 hours ago, Kirk W said: If you have Medigap coverage in either plan F or plan G the medical needs for international travel are covered. Plans C, D, F, G, M, and N provide a $50,000 lifetime allowance for emergency medical care outside the US. I believe it's handled on a reimbursable basis you would have to pay the providers upfront. I also believe it's in effect for the first 60 days you are outside the US, if that is of concern to you. Here's a link to a page on the Medicare website that addresses this issue: https://www.medicare.gov/Pubs/pdf/11037-medicare-coverage-outside-united-stat.pdf Quote Link to comment Share on other sites More sharing options...
TexasPSDX Posted January 11, 2019 Report Share Posted January 11, 2019 Join FMCA. They have a policy you can buy for the time you will be out of US. Quote Link to comment Share on other sites More sharing options...
docj Posted January 11, 2019 Report Share Posted January 11, 2019 (edited) 8 hours ago, TexasPSDX said: Join FMCA. They have a policy you can buy for the time you will be out of US. With all due respect this is a relatively useless plan. Yes, it has big "maximum payment" levels, but it also contains ridiculously low "per day in hospital:" benefits ($150/day). It also has meaninglessly large benefits like $50k for "return of remains" which is far more than most people will ever need. It's easy to put high coverage levels if you know they're unlikely to ever be claimed. Here's the detail if you want to read it: https://www.sevencorners.com/fmca-international-travel-insurance IMHO if you don't have Medicare coverage there are much better commercial insurance plans you can buy. They might cost more, but they'll provide much better coverage. Edited January 11, 2019 by docj Quote Link to comment Share on other sites More sharing options...
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