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Money Matters Have you ever purchased the RS Trip Protection Plan?
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Have you ever purchased the RS Trip Protection Plan?

Road Scholar
Road Scholar over 5 years ago

Would you recommend purchasing a trip protection plan? Has it ever come to the rescue for you during a program? 

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  • msninafrankel031432
    msninafrankel031432 over 5 years ago +1
    First of all, not all Medicare policies are the same. I have a Medicare Advantage policy that covers emergency care worldwide, so check your policy carefully for that. For cancellation I am covered by…
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  • emknesper011223
    emknesper011223 over 5 years ago
    My husband and I almost always purchase the optional insurance that is offered through RS. Fortunately we have not needed to use it during a trip, but on 3 occasions, we did need to cancel shortly before the program began. In each case, there definitely was paperwork to submit, including statements by the doctor who recommended that we not travel. Once submitted, we received our refunds (for the money paid for the trip and also the change fee for our airline tickets) reasonably promptly. The insurance is definitely fairly expensive for trips out of the country. But it is important to remember that for older adults, Medicare does not cover us anywhere other than the US. Therefore, it is important for those on Medicare to purchase insurance, either through RS or another insurance vendor, unless they have a supplemental policy that will offer international coverage.
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  • emknesper011223
    emknesper011223 over 5 years ago
    My husband and I almost always purchase the optional insurance that is offered through RS. Fortunately we have not needed to use it during a trip, but on 3 occasions, we did need to cancel shortly before the program began. In each case, there definitely was paperwork to submit, including statements by the doctor who recommended that we not travel. Once submitted, we received our refunds (for the money paid for the trip and also the change fee for our airline tickets) reasonably promptly. The insurance is definitely fairly expensive for trips out of the country. But it is important to remember that for older adults, Medicare does not cover us anywhere other than the US. Therefore, it is important for those on Medicare to purchase insurance, either through RS or another insurance vendor, unless they have a supplemental policy that will offer international coverage.
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  • Mary Vinquist
    Mary Vinquist over 5 years ago in reply to emknesper011223
    I agree 100%.
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