Hi.
Travel insurance question.
I looked at World Nomads policy ( https://www2.worldnomads.com/policy_wording.aspx?pid=4b477ca754c1478bbf5c760eb2d1931d ) and they seem to have a an excess of 70€ which is huge! It means that if I go to a doctor and I end up paying less than 70€ they won't pay a thing, right?
Maybe it's normal? Is there other companies with better excesses?
Where I live a doctor appointment costs around 25€ and prescribed medication less than 20/30€ for usual diseases...
I'd love any feedbacks on the subject of travel insurance.
Thanks!
That isn't huge at all, I got food poisoning in Thailand and couldnt hold down water so I got dehydration. My trip to the local doctor for about 2 hours cost £400.
You'll be suprised how much medical care costs in places outside of the EU.
Also note that you won't be getting 'appointments.' If you need a doctor enough to visit on a trip you will have broken a bone (€£€£€$$$£€£) or need some kind of care like a saline drip at least (which I had to have and that cost my insurance £400.)
But you are right if you go to the doctor and it costs less than your excess your insurance wouldn't help.
But if it costs less than your excess don't even bother to claim it on insurance just pay...
>>1088239
Most insurance companies allow you to alter that minimum, you'll have to pay more if you want it lowered to 0. But usually the purpose of a medical insurance isn't to cover your sore throat, it's to cover that week you would spend in hospital after your appendix ruptures... It's for when you get really sick abroad or need surgery, yeah many other smaller things are covered too but this insurance is mainly to prevent you from going bankrupt if anything bad happens.
>>1088239
$100 isn't huge for a doctor visit. If you are only pay $20/40 it's subsidized somehow, by negotiated rates with your insurance or is simply a copay. Expect that with any tests, a doctors appointment should be closer to $150 and upwards to $450. After that, we're talking urgent care prices, which supports more staff during said visit, as well as being a specialist in price. Most specialists give you 15mins of time, and charge $250 for their diagnosis or second opinion, any tests or procedures are extra on top of that.
When it comes to doctors being cheaper in other countries, don't count on it. They probably trained abroad, and have other reasons for their overhead. It's an internationally priced career, in other words. They might make less in their country, but their supplies may not be any cheaper. You can get slightly cheaper dental care in Mexico or Poland, but there's still a shortage of dentists worldwide.
