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> You absolutely can't purchase travel insurance for $100 and use it to fly abroad to get non-emergency surgery. I've certainly never thought that was the case

by J-dawg 8y ago

> You absolutely can't purchase travel insurance for $100 and use it to fly abroad to get non-emergency surgery. I've certainly never thought that was the case, and I don't think my comment implied that (I've edited it for clarity anyway). What I meant was, I've always assumed that if I had an accident abroad, it would cover me for any surgery I needed in the immediate aftermath, until I was well enough to either resume my trip, or fly home somewhat comfortably. I still don't think that's an unreasonable assumption, but I've learned something today!

astura 8y ago
This is why I said in another post you absolutely have to read and understand your policy before you experience a loss!! Depends on the policy but I doubt there is a "somewhat comfortably" clause - if you want your insurance policy to cover you you generally have to follow what their policy requires and with cheapo insurance like this, if you are clear to fly, you are expected to fly home. It's gonna be very difficult to get onto a plane and then claim you were unable to fly even if Singapore is a world closer to Indonesia than the UK. I feel for this guy though, the situation sucks.
- J-dawg 8y ago
  > This is why I said in another post you absolutely have to read and understand your policy before you experience a loss!! Yep, and this post has been an education for me! However, I still have issues with the way it's marketed. I think part of the problem is showing these huge numbers for medical cover. It's almost a psychological trick, in the same way that lottery players see an enormous jackpot and somehow conflate it with the likelihood of winning. It's falsely reassuring. In reality, most claimants are going to spend much less than 1% of that £5 million limit before they get flown home. It only really applies to people who are at death's door and end up with a long stay in intensive care, or need a fully-staffed medical flight to get them home.
  - luispedrocoelho 8y ago
    > In reality, most claimants are going to spend much less than 1% of that £5 million limit before they get flown home. It only really applies to people who are at death's door and end up with a long stay in intensive care, or need a fully-staffed medical flight to get them home. Exactly, but you're saying it like it's a bad thing instead of "this is just what travel insurance is and why it's so cheap."
    - J-dawg 8y ago
      I’m saying it’s both of those things. I’m grateful to the author that I found out this way. I still think it’s marketed in a deliberately misleading way.

by J-dawg 8y ago

astura 8y ago

This is why I said in another post you absolutely have to read and understand your policy before you experience a loss!! Depends on the policy but I doubt there is a "somewhat comfortably" clause - if you want your insurance policy to cover you you generally have to follow what their policy requires and with cheapo insurance like this, if you are clear to fly, you are expected to fly home. It's gonna be very difficult to get onto a plane and then claim you were unable to fly even if Singapore is a world closer to Indonesia than the UK. I feel for this guy though, the situation sucks.

J-dawg 8y ago
> This is why I said in another post you absolutely have to read and understand your policy before you experience a loss!! Yep, and this post has been an education for me! However, I still have issues with the way it's marketed. I think part of the problem is showing these huge numbers for medical cover. It's almost a psychological trick, in the same way that lottery players see an enormous jackpot and somehow conflate it with the likelihood of winning. It's falsely reassuring. In reality, most claimants are going to spend much less than 1% of that £5 million limit before they get flown home. It only really applies to people who are at death's door and end up with a long stay in intensive care, or need a fully-staffed medical flight to get them home.
- luispedrocoelho 8y ago
  > In reality, most claimants are going to spend much less than 1% of that £5 million limit before they get flown home. It only really applies to people who are at death's door and end up with a long stay in intensive care, or need a fully-staffed medical flight to get them home. Exactly, but you're saying it like it's a bad thing instead of "this is just what travel insurance is and why it's so cheap."
  - J-dawg 8y ago
    I’m saying it’s both of those things. I’m grateful to the author that I found out this way. I still think it’s marketed in a deliberately misleading way.