Random Unthreadworthy Questions

[shroom]

creators are all on threads bro

[liv2ski]

You guys buy Travel Insurance for a trip to Yurp? After I got fucked by John Hancock in March 2020 (nothing about a Covid exclusion in policy) I am loath to give this industry another $800, BUT if there is a medical emergency you really want it, so WWMD?

[Boissal]

Gonna say no. At least, don't try to do a 14 mile out and back. The hikers got an air lift out. The mtn bikers who helped them and decided to ride out....one was not so lucky.

https://www.cbs8.com/article/news/lo...1-854cdc220a95

SAR reported an incident in SLC yesterday where a hiker left his dog on a trail after both became dehydrated and the dog refused to move. SAR got to the guy, and eventually to the dog, but pooch didn't survive. If I remember correctly it's the 3rd dog in the last 2 seasons. The peak in question is in the SLC foothills, right off the freeway, visible from all over the valley. It's very obvious that it's a long hoof in steep terrain (3000' in about 3 miles) without a single spot of shade, and even more obvious that there won't be water anywhere. Every year SAR plucks a bunch of beaters off this mountain, and another one just a couple miles to the south. Invariably they are dehydrated after starting their hike at 11AM with a cute 6oz water bottle from the gas station when the forecast calls for 100+ degrees. Most also manage to get off trail, a singular feat considering the terrain is steep, super rocky, and covered in gnarly brush, and need help getting back down.

[skaredshtles]

You guys buy Travel Insurance for a trip to Yurp? After I got fucked by John Hancock in March 2020 (nothing about a Covid exclusion in policy) I am loath to give this industry another $800, BUT if there is a medical emergency you really want it, so WWMD?

I haven't ever purchased insurance in the past... I mean - it's mainly for the airline tickets, right? Most hotels are pretty easily cancellable.

[liv2ski]

I haven't ever purchased insurance in the past... I mean - it's mainly for the airline tickets, right? Most hotels are pretty easily cancellable.

I would by it for the medical emergency coverage, as my Chase card covers the trip delays/cancellations. I figure if I buy it then nothing bad will happen.

[El Chupacabra]

We buy an annual Allianz travel insurance policy. It's something like $350/year for Mrs C and me. It's come in handy several times.

It also works as a kind of gap filler for insurance while traveling in the US - we have health insurance through the ACA, which doesn't cover out of network - so for example if on a road trip and get sick or injured, need an urgent care, the travel policy covers that where the ACA plan would not (it would cover an ER visit, but with a high deductible under our plan).

[skaredshtles]

I would by it for the medical emergency coverage, as my Chase card covers the trip delays/cancellations. I figure if I buy it then nothing bad will happen.

Hmmm... I've never considered trip insurance for medical. I guess I always assumed my insurance would cover me abroad. Perhaps that's naive?

[Kevo]

You guys buy Travel Insurance for a trip to Yurp? After I got fucked by John Hancock in March 2020 (nothing about a Covid exclusion in policy) I am loath to give this industry another $800, BUT if there is a medical emergency you really want it, so WWMD?

I have an annual travel insurance policy that I've renewed for about a decade. If you travel multiple times a year it is way more cost effective than getting insurance for a one off trip. I use Travel Guard- https://www.travelguard.com/travel-i...e/plans/annual

I believe it will pay benefits for things like lost/stolen bags/ missed connections, etc so long as you are at least 100 miles from home.

I've filed claims 2x for delayed bags (once in Bali, once in Barcelona), 2x for cancelled flights (once in Tokyo, once in Phoenix) and 3x for medical emergencies where i needed to see doctors in Peru/ the Netherlands and Sydney. They've paid out every time. The plan has a 24 hour medical concierge number that will arrange everything for you. They sent an S Class to pick up my at-the-time GF and I from a hotel in Lima and transport us to a hospital where an English speaking doctor was waiting for us.

When my bags were delayed I went shopping and submitted receipts that were reimbursed. They also call the airline like 4x per day on your behalf to check in on the status of the bags so you don't have to.

The biggest reason for coverage is the cost of medical transport back home if you have a serious injury or illness. Those flights can cost hundreds of thousands of dollars and are covered up to $500k by this type of insurance. There is also a $100k provision in the policy for sending in people to get you out of a civil unrest or natural disaster situation.

[Kevo]

Hmmm... I've never considered trip insurance for medical. I guess I always assumed my insurance would cover me abroad. Perhaps that's naive?

Yes, that's naive. Most US medical policies do not cover anything when you are abroad.

[mcski]

Freedom isn’t free

[J. Barron DeJong]

Yes, that's naive. Most US medical policies do not cover anything when you are abroad.

Is that true? (Honestly don’t know). I asked HR about it when I started with my current company, since I travel back to Canada regularly, and they said I’m covered and since medical care is cheaper basically everywhere outside the US the insurance is happy to pay those rates instead.

But our company is a global company and employees travel internationally regularly.

I’ve also never checked to confirm that what HR told me was true.

[mcski]

HR exists to protect the company not you

[riser4]

Hmmm... I've never considered trip insurance for medical. I guess I always assumed my insurance would cover me abroad. Perhaps that's naive?

Very.

I've purchased travel medical when myself or family have gone to Europe.

[skaredshtles]

Yes, that's naive. Most US medical policies do not cover anything when you are abroad.

I checked - my plan appears to cover emergency medical, although it's *really* vague in their exclusions section:

* Health care services received in a foreign country that are not an emergency

[Kevo]

Is that true? (Honestly don’t know). I asked HR about it when I started with my current company, since I travel back to Canada regularly, and they said I’m covered and since medical care is cheaper basically everywhere outside the US the insurance is happy to pay those rates instead.

But our company is a global company and employees travel internationally regularly.

I’ve also never checked to confirm that what HR told me was true.

It entirely depends on the policy. Most policies do not cover anything outside the US.

https://travel.usnews.com/features/d...ational-travel

[Supermoon]

I know my insurance will let me submit receipts and they will count it as out of network. So who knows what would actually get covered in the end.

[old goat]

Travel guard paid for our unused heli time on an Alaska trip.
That said, I mainly buy the insurance for unanticipated extra costs, not to reimburse sunk costs.
But when a trip has to be canceled, getting reimbursed does lessen the sting.

[liv2ski]

I have an annual travel insurance policy that I've renewed for about a decade. If you travel multiple times a year it is way more cost effective than getting insurance for a one off trip. I use Travel Guard- https://www.travelguard.com/travel-i...e/plans/annual

Kevo, thanks for that, as it is great coverage for the premium paid. We bought it.

[Brasso]

well fuck

[RShea]

I haven't ever purchased insurance in the past... I mean - it's mainly for the airline tickets, right? Most hotels are pretty easily cancellable.

If foreign country the benefit of travel insurance includes if you get sick or hospitalize due to an accident and most every US health insurance policy is not going to pay anything for the foreign medical care...

[bennymac]

some people save up their medical problems for when they travel to Canada because “healthcare there is free”

[BCMtnHound]

some people save up their medical problems for when they travel to Canada because “healthcare there is free”

Hah! And Canucks of means head south for elective surgery like hips and knees cause the wait times are crazy here now. Not to mention the dental work in Mexico.
Bizarro world indeed.

[Supermoon]

Hah! And Canucks of means head south for elective surgery like hips and knees cause the wait times are crazy here now. Not to mention the dental work in Mexico.
Bizarro world indeed.

There’s huge wait times in the US too for normal people. If you have money you have options wherever you are.

[bennymac]

“Hospital for Special Surgery”

Yeah it’s really called that.

They’ll fix your knee for $500k but you’ll get a top gun surgeon.

[KQ]

Now that Elon has eliminated the sweet little blue bird and replaced it with a brutal black X will the name of the messages also be changed? From tweet to?