My comments do not have anything to do with medical coverage issues discussed above, but they are concerning the comments on this post and another post about cost of GCT insurance and cost of same/similar travel protection policies found on Insuremytrip.com.
We booked a Princess cruise for the South Pacific recently and were billed for travel protection. I looked at Princess's policy and $$ amounts. No way do they compare with GCT's.---$10,000 Medical $10,000 Accident and $25,000 for evacuation/repatriation.... I thought those limits were unreasonable, so I asked for their Platinum plan. That plan's medical was $20,000 accident and sickness each,and evacuation $50,000--this Platinum would have cost us $734 each for our trip; the baggage loss/lateness, trip interruption protection were not very good either.
. Having read articles about cost of evacuation/repatriation costs being upwards of $100,000 to $500,000, I decided to shop around. I went to Insuremytrip.com and reviewed several companies plans, individial ala carte costs vs plans. The individual medical costs coverage up to $25,000 plans were over $2500 for one person per trip--just for medical/sickness; The plan costs that included medical and trip cancellation, trip interruption, lost/delayed baggage, evacuation/repatriation were also well over $2500 per person, but considering what they covered were better prices than individual coverages (medical). I reviewed several companies' plans, some had lower prices for individual, but were not from well known companies. I concluded that buying ala carte for just what I needed was much more expensive.
My travel agent offered a policy from Travel Guard, which is highly rated and I read the reviews on Insuremytrip about Travel Guard's policies, and found the company was well liked. So, for under $2000, I got travel protection for the entire trip, with cancel for any reason for two persons from my travel agent. The dollar coverage amounts are not near as good as GCT's and cost a lot more; my policy does cover $500,000 for emerg. evacuation. An example my agent disclosed was a patient having a heart attack and had to be evacuatied back to the US on a private charter plane, with physician, nurse, technicians to operate equipment; she said the cost was $50,000. From articles I read, this is a very reasonable cost for this type service. But, it was just to the East Coast.
So, for me, travel protection when I travel with GCT, will be from GCT. The coverage has never been more than $1700 for 2 for the trips that we take, with extension(s) with GCT and coverage amounts are much higher, and all prices are dependent on cost of trip per person. I feel I get my money's worth from GCT, should I ever need to use the insurance.
Just another view on buying travel protection from GCT or from another supplier.