I think this topic has been discussed a bit, but if possible I need some specifics for my Asia cruise. DH has a pre-existing condition, Medicare & a complementary insurance from Mutual of Omaha. Medicare will not cover outside US, so Mutual will become his primary insurance. I do not have a pre-existing condition & have a primary insurance with a $3,000.00 deductible outside my country of residence. Considering to choose "HTH Trip Protector Preferred", as they have a pre-existing waiver if paid within 24 hrs.of Final Payment. They are a "secondary insurance", so my major concern is...if I need to make a claim, any ideas from those that used HTH before?. I do not want to be either Over or Under insured, just enough insurance to feel comfortable. Any feedback will be appreciated.

Hi Doris. It sounds like both you and your husband already have primary insurance that will cover you outside the US. It's my understanding that in such a situation your trip insurance would only pay what the primary doesn't pay. In your case they would pay the $3,000 deductible.

If your primary insurance doesn't cover medical evacuation that could be a good reason to have the trip insurance.

Also, as has been pointed out before, the major cost of trip insurance is for the cancellation part not the medical part. Good luck. Tom.