family member visiting health insurance questions

[Memymine 2]

Hi!

My father is visiting us from Romania for a month. He is 63 years old.

We didn't look into buying him insurance as we figured that he needs to be screened before getting it and that might take longer than a month. Also we're not sure if he would be eligible for health insurance at his age. He also has a little high blood pressure problem.

I was wondering what does the travel insurance that people buy with the plane ticket really cover? I heard that it only covers emergencies while being on the plane? Does anybody know what is the max covered amount? What's the copay or the deductabile?

Second, I have some questions for future trips that my family members might make over here:

Do international health insurance work here?

I called some well know hospitals in my area and they said they don't accept international insurances, but my family is convinced that if they buy one from Romania and it says international it would work here. Again, I don't think they pay a big premium over there, so if smth happens, we would have to pay here the cost and then when they go back to Romania they recover their money? How does it really work?

Thanks

[az2014 381]

Nobody knows the answer to your first question, you need to check the specific policy. Just search into google for travel insurance I am sure there will be other options apart from the airline insurance.

And for the second queation yes you would pay for it then you get the refund from the insurance company.

[TBoneTX 45,778]

Mama-Mrs.-T-B. (mother-in-law) had to delay a planned trip because of an illness in the family. The travel policy that I had bought for her (on a whim, too) covered the ticket-change expenses and the difference for the rebooked ticket. The purchase price for the policy was well worth it.

Yes, read the policy for coverage and exclusion details. Typically, coverage is more than just what might happen on a plane.

We submitted all receipts and got a check in Mama-Mrs.-T-B.'s name mailed to our address. With minimal difficulty, we were able to deposit it.

I've bought travel insurance for other trips, have never had to use it, and still felt good about having bought it.

[Boiler 45,837]

Can not get travel insurance at 63??????

Wow

Dunno how it works in Romania but hard to miss the adverts for Trav el Insurance in the UK, they are everywhere.

Edited October 2, 2015 by Boiler