TIPS ON BUYING TRAVEL INSURANCE
For travel medical emergency or any other travel insurance, my advice is, if you travel from the USA or Canada, try not to buy insurance in North America – be it via a travel agency or some local banks or insurance companies, or online.
My experience has taught me, to get far better deals buying the insurance either in Europe or wherever you travel to, in that country.
I buy everything on the Internet, be it air line tickets or hotels, resorts, travel packages or insurance for the trip.
Example: In 2010 I travelled to Germany and spent over 4 months there in Berlin.
I had taken out a medical insurance on a broker’s internet site. The insurance had their seat in Toronto, Canada. I had a claim, tried to call the insurance from Germany, on my cell phone, told them I need a claim number. They put me on hold at a cost of €20, while some old guy in the background walked away from his desk ?
In conclusion, I cancelled this insurance immediately requesting a refund on my credit card. Then also immediately one day after I bought a travel medical insurance in Germany (including every coverage possible) at a fraction of the cost that the one in Canada had cost me. The insurance in Canada eventually processed the refund, but not my lost telephone costs.
Cost comparison: Canada/USA = $2,000; Germany = €130 same length of trip.
Next example: Beginning of this year, I bought several package travels with a German agency (also online) including for each a good travel medical emergency insurance. Low cost again (for one month travel = €100).
You can trust these agencies there, they will deliver. And most importantly, they are reachable.
The reason for the high cost of insurances in North America most likely is the enormous cost for law suits and third party liability suits.