Tag Archives: medical insurance

Travelers taking selfie in in front of a shop in Paris.

Sources of Help in a Travel Medical Emergency

After our newsletter about your fellow traveler Jamie Reuter—who’s pictured above in Paris, with his daughter and granddaughter, before he fell, broke his leg, and ended up in surgery—many of you wrote in with questions. So I thought you’d appreciate an update from his wife, Jan Heininger (below). It’s fascinating to read her report on French doctors and navigating hospital complications.

When a medical emergency strikes abroad, what are the best sources of help? In my own personal experience—everywhere from Australia to Zimbabwe—the best local recommendations have come from a WOW expert. Indeed, after telling you about my visit to the E.R. in Sydney, one reader wrote in that she had just been in Mendoza, Argentina, with a friend who severely broke her ankle; they had contacted the Argentina-based WOW expert who planned their trip, and she put them in touch with the right orthopedic trauma specialist.

When you’ve arranged a trip on your own—meaning, when there’s no WOW expert to help you—here are other sources to try. I, or people close to me, have used them successfully:

  • The International Society of Travel Medicine’s Global Clinic Directory.
  • IAMAT’s (International Association for Medical Assistance to Travellers) Travel Health Resources.
  • A top hotel concierge—say, one who belongs to Les Clefs d’Or—for a recommendation of a reliable local doctor.
  • A premium credit card that offers travel-related emergency assistance, such as the American Express Platinum Card.
  • Membership in Medjet to get you from the hospital abroad to the hospital back home where you want to be.

Remember: Sometimes the help you need goes beyond getting in to see the right doctor at the right hospital. Sometimes it’s about help with negotiations, paperwork, and rearranging your travel plans. Read on for the conclusion of Jan and Jamie’s Paris saga, as well as a report from a traveler who fell ill in New Zealand, and a review from a couple who needed mobility assistance in Venice—and got it, thus preventing any medical emergency in the first place!

PLAN YOUR NEXT TRIP SMARTLY

“While the rest of us were doing these wonderful activities, an ambulance had taken my poor husband—who’d fallen along the Seine just seven hours after our arrival in Paris—to the emergency room…”

Traveler Jan Heininger and her family in Paris, France.

Jan Heininger and family enjoying Paris.

“There were two trips during the ten days my husband and I spent in Paris. The first was a wonderful week of Paris with kids—with grandparents (us), our daughter and son-in-law, and their three kids (ages 2, 3, and 6). The second was my husband breaking his leg/hip on the first day and having to spend the entire time in a Paris hospital.

Jennifer’s role and assistance for both trips was essential: When calamity strikes, you need the kind of assistance that no regular travel agent or group-trip company can provide.

Jennifer knew exactly how to design a trip geared toward introducing three very young children to Paris. While the rest of us were doing these wonderful activities, an ambulance had taken my poor husband, Jamie Reuter—who’d fallen along the Seine just seven hours after our arrival in Paris—to the emergency room. He’d broken his leg badly next to his artificial hip.

Once Jennifer found out, she dispatched her head of French and U.K. operations, Albin Fady-Bonnet, who devoted his already busy week to shepherding us through a very frustrating ten days of dealing with a vastly different medical system from ours. My husband languished in hospital for six days before he finally had surgery.

He was in Hôpitaux Universitaires Pitié Salpêtrière, France’s best hospital with the best doctors. But, as this was Paris’s trauma hospital (where Princess Diana was taken), my husband kept getting bumped by other, more traumatic cases.

My French is passable, but insufficient for medical nuances. In a medical system where doctors rule all and feel little need to communicate with patients and not at all with their families, I was constantly scrambling to get information, trying to arrange for medical evacuation, setting up matters for our U.S. doctors to operate if necessary when we got back, negotiating with our health insurance company, and dealing with our financial adviser.

There is no way I could have handled it all without the assistance (multiple times daily) of Jennifer and French-speaking Albin, who intervened repeatedly with the hospital on our behalf to get information we could not get ourselves. It involved much more than I’m going into. Suffice it to say, we were the nightmare clients that no one ever wants to be (or have), and Jennifer and Albin handled it with grace and aplomb, rearranging our itinerary at the drop of a hat and getting me a (wonderful) hotel to stay in after the kids departed.

We’ve taken at least twenty trips with Wendy’s experts. For rare glitches, they jump in to fix things immediately. I had confidence that Jennifer, just like every one of Wendy’s carefully vetted specialists, would jump in to do whatever was needed to get us safely home. Even Wendy herself helped out and checked in to see how Jamie was doing.

FYI: Follow Wendy’s advice and get travel insurance. I should have. No one wants to have to put up what I was asked for to medically evacuate my husband: 140,000 Euros in cash, up front. Fortunately, we were able to avoid the medical evacuation route. We flew home five days after the surgery in business class (the only way the French doctors would let him go), with Jennifer having arranged a car and driver and a person who expedited our way with wheelchairs through the airport to the plane.” —Jan Heininger

“During those days I was comforted by how well I was taken care of. This trip was worth every penny I spent…”

Old cozy street in Lucca, Italy. Lucca is a city and comune in Tuscany. It is the capital of the Province of Lucca

Become a regular at a coffee spot—it’s a quick way to feel like you live somewhere and to meet people who really do. Photo: Shutterstock

“EXTRAORDINARY! I am an experienced and, if I say so myself, a super-critical traveler. Maria and her team went beyond my expectations. The guides were inspiring, the drivers wonderful. All fabulously flexible, so if I wanted to change the plan, they could fulfill the new idea.

I told Maria I wanted to focus on food, visits with artisans, small villages, and wanting to stay at least three nights in each location. We had private cooking classes, meetings with a violin maker, textile designer, hunting for truffles, tastings of olive oil, balsamic vinegar, Parma ham, various cheeses and seeing how all were made.

I had my own private excursion with Covid mid-way through the trip. The staff joined together to find a second hotel room for my friend, contacted the people who were doing the private tastings to see if they could arrange to do everything outside. Upon checking in to one of the hotels that didn’t have a restaurant, to find they had contacted the manager, who informed me they could provide my meals by picking up food at nearby restaurants. Thankfully, I tested negative after 5 days. But during those days I was comforted by how well I was taken care of. This trip was worth every penny I spent, and I cannot recommend Maria highly enough.” —Ellen Salwen

“Unfortunately, during our trip, my husband fell quite ill, and Virginia’s team shone during these challenging times…”

Travelers Mary Arzt and her husband Len seized a photo op during the annual Cordoba Fair in Spain.

Mary Arzt and her husband Len seized a photo op during the annual Cordoba Fair in Spain.

“After decades-long procrastination, we were finally ready to visit the many places in Spain that had accumulated over the years. Since it would be a complex trip in a new country with several stops, we turned to Wendy’s WOW List for guidance. Virginia created a trip well beyond our already high expectations.

Since both my husband and I are on the older side, we needed to pace ourselves and still see everything we wanted to see. Virginia helped us accomplish this by pacing the trip perfectly, giving us plenty of downtime and moving the trip along when it was time.

Lifetime memories of our trip include the view of the Summer Palace from our room at the Alhambra, the timeless Granada Hammam, the shady garden courtyard outside our room in Cordoba during an otherwise hot afternoon, the overwhelmingly huge Mosque, an amazing three-hour jewel-like lunch in Seville, multiple delicious tapas tours with gracious guides showing us where the locals go, a delightful tutorial on Cervantes in the neighborhood where he lived and worked, seeing Velazquez’ Las Meninas at the Prado in Madrid and Picasso’s multiple deconstructions at the Picasso Museum in Barcelona (!), visiting the amazing Guggenheim in Bilbao, seeing San Sebastian’s bay for the first time, and drinking in Gaudi’s Sagrada Familia in Barcelona—to name just a few.

Unfortunately, during our trip, my husband fell quite ill, and Virginia’s team shone during these challenging times. They helped us get medical service in multiple hotel rooms, navigate the medical system in a foreign country (no small thing), and guided us in the use of our travel insurance policy in order to have him get well as quickly as possible. Their ongoing check-ins and authentic concern helped us feel supported and cared for while we were far away from home. It also allowed my husband to feel better more quickly and get back to enjoying our trip.” —Mary Arzt

“I got the flu and was so sick and had to cancel our 5-day Milford Track hike…”

Milford Sound, in New Zealand from a touristic aircraft.

Milford Sound, in New Zealand. Photo: Shutterstock

“It was so valuable to us to have experienced, proven, on-the-ground travel experts who knew the area, could design an amazing trip and, most importantly, provided support 24/7 when unexpected problems arose. And we unfortunately had three unexpected problems, so we can attest first-hand to how important it is to have proven travel experts on the ground.

The first unexpected problem was a flight cancellation from Canada to New Zealand and the fact that our new available flight added three more days to our trip. Sarah and her colleague Sara worked their magic and were able to extend our stay at the Auckland Hyatt, add activities, adjust our itinerary, and coordinate all logistics, making everything seamless.

Then, when we were in Queenstown, we needed their help again. The night before we were to check out of our hotel, I got the flu and was so sick and had to cancel our 5-day Milford Track hike. We then had no place to stay, no plans, and I was sick. Fortunately, Sarah had booked us into the Hulbert House, a fabulous family-feel boutique hotel with amazing staff who Sarah knew well. Together the manager and Sarah’s team worked on finding us lodging and later let me know Hulbert House had a last-minute cancellation and we could stay right where we were. Hallelujah!

Sarah’s team also put together some ideas of things we might do in Queenstown and surrounding area when I felt better. Which brings me to the third problem we faced and needed assistance. From the list, we decided we should go on the Milford Sound cruise before the weather changed. This was a popular activity. The cruise had room, but all the flights to get there were booked. Sarah’s team worked hard and finally were able to find two different planes, each with one hopper seat left. We were in! The Milford Sound cruise and flight were definitely a highlight of our trip!” —Julie and Jim Clark

“She made it possible for my husband, who walks with a cane, and me to travel around Venice and the lagoon with private boats…”

Narrow canal with bridge in Venice, Italy. Architecture and landmark of Venice. Cozy cityscape of Venice.

Venice now charges an entry fee to day trippers. It’s this empty only in low season or in under-the-radar neighborhoods. Photo: Shutterstock

Luisa made our trip to Venice extraordinary. We have been to Venice many times, but now we are older and were skeptical that we could manage this trip. She made it possible for my husband, who walks with a cane, and me to travel around Venice and the lagoon with private boats, with a charming captain and a private guide.

Luisa organized a tour of the Museo Fortuny and an amazing artisanal weaving workshop with looms from the 16th century. We saw the Palazzo Grimani (Roman statues in Venice!) and San Giorgio Degli Schiavoni, with its stunning Carpaccios. We requested, and she arranged, a private tour of the Marciana Library. In addition, she arranged amazing dining experiences. Luisa was always available by phone for last-minute changes. Grazie mille for enriching our trip to Venice.” —Ellen Marks

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

Wendy's son, Charlie via ferrata at Whistler, British Columbia

Travel Insurance and Emergency Assistance: How to Protect Yourself

If you don’t start thinking about travel insurance until you need it, chances are it’s already too late. For example, did you know that many benefits only kick in if you purchase your plan soon after paying the first deposit for a trip?

For our WOW Week 2024 Travel Talk on February 8, we brought in experts to discuss how to prepare for travel curveballs, from surprise injuries to natural disasters to political unrest, and how to minimize your risk, both financial and medical. Joining us were Stan Sandberg, co-founder of travel-insurance comparison site TravelInsurance.com, and Sheri Howell, from air-medical-transport and crisis-response provider Medjet. Check out all we learned from Stan and Sheri in the video below.

4 top takeaways

Some plans are more generous than others about covering pre-existing medical conditions. Most insurance policies will not cover pre-existing conditions unless you purchase them within a week or two of your first trip payment. However, a few plans have now extended this window to up to 24 hours after your final trip payment. You can filter for such policies when you do a search on travelinsurance.com.

Annual travel-insurance policies are on the rise. Historically these policies have only covered medical expenses, but some now also provide trip cancellation and interruption protection. Those benefits typically only cover $5,000 or so; if your nonrefundable trip costs are higher than that, you’ll get more complete coverage by purchasing individual policies for each trip.

Tread carefully on the gangways. River cruises are a surprisingly common source of travel accidents. Sheri explained that the vessels’ gangways are smaller and less sturdy than on ocean-going ships; the wake from a passing boat has been known to sweep travelers off their feet—and straight into the hospital.

A Medjet membership protects kids studying abroad. Family memberships cover two adults, plus up to five children until age 19, or until age 23 if they are full-time students. Members are  covered anytime they are at least 150 miles away from home, even when not traveling together.

Links to Useful Resources

How to Buy Travel Insurance: What It Covers, When You Need It

What Medical Evacuation Coverage Do You Need?

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

stock photo of toy airplane on stack of masks and passport with a globe signifying travel during Covid

Your Biggest Covid Travel Questions Answered

I’ve spoken with many of you over the past few weeks as you’ve wrestled with whether to go forward with your winter travel plans and, if so, how to smarten them up, given Covid surges and current global events. Most of you are bound and determined to forge ahead with your trips—to Italy, Egypt, Tahiti, the Galapagos Islands, France, Panama, Iceland, Portugal, Belize, Costa Rica, Colombia, Kenya, Rwanda, the Maldives, Antarctica, and more.  I can understand why.  We’re not back in March of 2020:  There are many more tools now for traveling safely and responsibly. And I’m not just talking about the availability of vaccines, boosters, and N95 masks for the airport and plane. Unlike at the start of this pandemic, we’ve also now got at-home test kits for use pre-trip and before boarding your return flight. There’s now evacuation coverage so that, if your worry is the possibility of testing positive overseas and being quarantined, there’s a way you can avoid that and get home. There are also guardian angels who have proven they can keep travelers away from crowds, privately cocooned, and in the open air as much as possible throughout a trip. The proof?  It’s in your trip reviews. Below find the information you need for safe travel now. —Wendy

Wendy’s Travel Advice for 2022

Wendy’s Travel Advice for 2022: Based on everything we’ve learned throughout the pandemic, if you’re looking for the best travel experiences in 2022, here’s my advice.

Covid Testing

How to Get a Quick Covid Test for TravelWe’ve rounded up several of your best options Covid tests with the last-minute results you need for many destinations: We’ve listed in-person options in select U.S. cities, mail-in test kits that you can do from home (note that some places will not accept results from mail-in tests), and self-administered tests that you can take in a foreign country.

5 Testing Tips for an Easy Return Flight to the U.S.: Air travelers age two and older must still show a negative Covid test when flying back into the U.S. after an international trip. But it doesn’t have to be a hassle. Here’s how to make it easier.

Getting a Covid Test Abroad is EasyDon’t let fear of a required Covid test outside the U.S.—either for a return flight to the U.S. or to cross borders during a multi-country trip—scare you away from overseas travel.

What Happens If I Test Positive on a Trip? We Answer Travelers’ Biggest Concerns About Testing, Quarantine, and InsuranceThe biggest concerns we hear from travelers these days are about how to get tested before and during a trip, what happens if they test positive while overseas, and what quarantine rules will apply there. In this FAQ, we answer all of those questions and more.

Travel Insurance

How to Buy Travel Insurance: What It Covers, When You Need ItTravel insurance can be confusing, especially during Covid. So we’ve created this FAQ that lays out everything from what you can expect it to cover (even now) to when you need it and when you don’t.

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It WorksIf you’re concerned about traveling during the time of COVID-19, regular travel insurance won’t help you. CFAR coverage is the only way to be protected.

What Medical Evacuation Coverage Do You Need?In years past, we purchased medical-evacuation coverage in case we broke a leg while hiking in the Alps or had a heart attack on a remote island with no decent hospital. Nowadays, though, the nightmare scenario in our minds as we try to plan travel is the possibility of ending up quarantined—or even hospitalized—with Covid-19 far from home. Here’s what you need to know about how to get flown home, and how to protect yourself from a financial disaster.

Where You Can Go and Entry Requirements

The Countries That Are Open to U.S. Travelers and How to Get InThis is your one-stop resource for all the important details about which countries are opening to U.S. travelers and what their entry requirements are.

Countries With No Covid Entry Requirements: These are the countries where WOW Listers can plan safe, smart trips don’t require any vaccination or pre-trip testing.

Where You Can Travel with No Pre-Trip Test RequiredWe’re also keeping a list of countries that are open to vaccinated travelers—with no testing or quarantine requirements.

Air Travel Tips

New Nonstop Flights To Make Your Travels Easier in 2022Many airlines are planning to launch long-awaited routes next year, and some have already announced new flights that weren’t even on their minds back in 2020. To help you find inspiration, Brett Snyder of Cranky Concierge rounds up the airline routes to keep your eyes on.

When Is the Best Time to Buy Airfare This Year?: Given the rise in fuel prices that’s happening now, given the surge in people who want to travel this summer, and given the no-fly zone over Russia, when should travelers buy their airline tickets for flights this year? We spoke to two air travel experts to get their insights.

When and Where to Use Your Airline Miles This Year: Frequent travelers want to know the best time to start tapping into that stockpile of credit card points and miles they’ve been racking up during the pandemic, plus the destinations and airlines where those awards will stretch the furthest. We’ve got answers.

The Best Credit Cards for Travelers: Whether you’re actually traveling or working your way toward a trip, the right credit card can be a big help in getting you there. We break down which cards are best for travelers in 2022.

Current Travelers’ Experiences

WOW Travel During Covid: The Trip Reviews That Matter Most Right NowFind out what travel is like from real people who’ve just been on trips in the past few weeks. These trip reviews show what it’s really like to travel now in specific places, and how the right destination expert can make it work.

The Trip Planners You’ve Approved

The WOW List: Top Local Fixers in Countries WorldwideThe WOW List is a collection of exceptionally knowledgeable and well-connected trip planners around the world. They have been rigorously road-tested, based on my decades of experience as a travel journalist and based on the most recent trip reviews from travelers who have used my WOW approach to ensure an extraordinary trip. During the pandemic, I have been watching these Trusted Travel Experts like a hawk, closely monitoring our travelers’ pandemic trip reviews and updating The List accordingly.



Be a safer, smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. And read real travelers’ reviews of Wendy’s WOW List and use it to plan your next trip.