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Author: ghilliker

Joined: 7/28/2012
Posts: 3
Trips Taken: 2
Traveler Since: 2010

August 02, 2012

 FYI - Windsor Advantage does not cover Overseas AND they will take up to six months to deny the claim so your GCT insurance will pay.  If you need to file a claim do not indicate that GCT is secondary insurance.  With Medicare and Windsor Advantage GCT would be the primary carrier.  Trust me, it is a hassle getting reimbursed!!!

Author: pauline

Joined: 3/9/2010
Posts: 970
Trips Taken: 11
Countries Visited:

England, Scotland, Ireland, France, Belgium, Holland, Germany, Italy, Sweden, Norway, Denmark, Finland, Malta, Israel, Australia, New Zealand, China, Mexico, Colombia, Costa Rica, Guatemala, Canada, Russia, Ukraine

Traveler Since: 1999

August 03, 2012

If Windsor Advantage is a Medicare Advantage, then you are over 65 and Trip Mate will assume that you don't have overseas coverage.

When I had to cancel my trip to the UK recently, I called GCT on June 13th to tell them I would not be able to take the trip.  Whoever I spoke with immediately took me off the list.  She then gave me the telephone number for Trip Mate and the number code for the UK tour.  I called Trip Mate and gave that person the information, and she e-mailed me the forms I would have to submit, including the form for the doctor.  I had my post-surgery consultation with the surgeon on June 27th, and he signed the form then.  A couple of days later, I faxed the whole thing to Trip Mate and I had a check from them in about 10 days. 

It was as easy as that.  No long waiting and no requests for further information or verification.  To my mind, it was worth paying the higher cost for Trip Mate insurance.

 

Author: janice!

Joined: 3/18/2010
Posts: 277
Trips Taken: 7
Traveler Since: 1999

August 03, 2012

Pauline, your claim was for trip cancellation which is not covered by health insurance plans and therefore not an issue for Trip Mate. If you were to file a claim for medical expenses during a trip, then they would want to be sure they don't pay a claim if it is covered by your health plan. This is true even if you are on Medicare because some Advantage plans do provide coverage when you are out of the US.

Author: alrogers31

Joined: 1/7/2011
Posts: 3
Trips Taken: 6
Traveler Since: 2004

August 03, 2012

 Just finished reading the pages on the insurance offered by GC,all very good advice. However can anyone tell me why there is a higher cost for the plan when a person decides to fly business class instead of coach. I was told the cost is some what hiigher, I dont see why as you are on the same plane, and on the same voyage on the ship.

Author: singsling

Joined: 6/23/2010
Posts: 241
Trips Taken: 11
Traveler Since: 1995

August 03, 2012

I guess I was lucky both times I needed medical attention while on a GCT trip.  The first, was on Eastern Europe to Black Sea, when I got food poisoning after a home hosted dinner.  Not sure why I got it when my husband ate the same thing.  It happened on the ship, and by midnight (we sailed a lot earlier), I was already dehydrated, but Admin Office said I had to wait till morning.  I never stopped with the symptons all night, tried to drink water, not good!  An hour or so before docking, the front desk called to say a doctor was coming on board to see me.  He promptly got on board as the ship was being tied up.  Gave me  4 bottles intravenous , confirmed food poisoning, medication, a prescription, and stayed with me until he noticed I was on the mend.  Payed him cash, then filed with Trip Mate when I returned home, and they paid in a few days.

The second time was on  Russia on the Volga River (or something like that), on my last day I noticed my hand and arm turning purple, fading, coming back, traveling to other arm, etc.  I knew immediately it was related to the blood thinner I was taking.  At the end of the day tour, at about 5 PM, that night; didn't even have dinner, I was taken by ambulance to a hospital that is for English speaking people   The doctor was a Rusisian American who had studied in New York, got citizenship, then returned to Moscow to set  up this hospital.  Great service, he called in specialists, I saw two of them, had lab work, EKG, and other tests,  I paid with credit card over $1200.  When I got home I filed with Trip Mate, calling them first, and there was no delay in getting my check.  Maybe the difference is I don't have a Medicare Advantage Plan,  I did ask Trip Mate if I had to file with Medicare  first,  which would be sent to my secondary, then an EOB to me, even though they wouldn't pay.  Trip Mate told me no need for that, they just paid me. 

Author: pauline

Joined: 3/9/2010
Posts: 970
Trips Taken: 11
Countries Visited:

England, Scotland, Ireland, France, Belgium, Holland, Germany, Italy, Sweden, Norway, Denmark, Finland, Malta, Israel, Australia, New Zealand, China, Mexico, Colombia, Costa Rica, Guatemala, Canada, Russia, Ukraine

Traveler Since: 1999

August 03, 2012

alrogers31, 

Part of what the insurance charge is based on is the cost of the trip.  When I upgraded from Economy to Premium Economy, my insurance charge went up.

Author: alrogers31

Joined: 1/7/2011
Posts: 3
Trips Taken: 6
Traveler Since: 2004

August 03, 2012

 Thanks for your post,yes you are correct, I went back and read the trip insurance details, my brain was locked on the cost of insurance and not the whole cost of the trip.

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