fred mertz said:
John St. Would you kindly tell everyone the name of the creditcard that provides "unlinited 60 day world wide full coverage included"? A band aid in a U.S. hospital probably costs US$20.00 -US$30.00 depaending on the size.
As a matter of fact I gave the name in a previous post in this thread:
EuroCard/MasterCard Gold
The entire coverage is 34 pages, so I give only a very brief overview.
The credit card insurance covers the following:
Cancellation (own disease/injury or serious disease/injury within closest family).
No show for flight forced by ulterior(?) causes (= not my fault).
Reasonable expenses caused by flight delays (including hotel if overnight delay).
Delayed or lost luggage.
Disease and injury during trip, including accident and assault.
Home transport/relocation (Limit - DKK 5,000,000, SOS arranges everything - including home transport in case of serious disease/injury/death within closest family at home).
Accompaniment (if serious injured or ill, all expenses for closest relative to travel to e.g. Argentina to accompany me back to Danmark, SOS arranges everything from the home and back).
Dentistry as a result of injury or assault.
Death and home transport.
Post conditions.
Personal responsibilities (
Limits - persons DKK 5,000,000, material damage DKK 2,000,000).
Legal expenses.
Who:
Card holder + accompanying spouse/common law spouse + all accompanying common or separate children under 18 and 18-23 under education and living on card holders address.
Amount:
Disease, injury, relocation - I have to admit it isn't unlimited, only up to DKK 5,000,000 (US$ 955,000 = AR$ 3,620,000) - hospital, physician, etc., etc. (list of coverage is 2 pages); dentistry, luggage etc. various lower amonts - I know from experience (twice -via London Heathrow,
ouch!) that a luggage delay of more than 4 hours entitles me to spend a reasonable amount up to DKK 6,000 (1,100 US$ = AR$ 4,300) on articles similar to those found in my suitcase - no refund (= I receive and keep the money) when luggage showed up 11 days later, had to buy another suitcase (not covered because I recovered the old one
) to transport a lot of new clothes, shoes, etc.
Where:
During vacation in any foreign country (i.e. where I am not registered as a
citizen).
Payment conditions:
The airline ticket(s) - on frequent flyer bonus ticket(s) the taxes - must be paid using the card.
For how long:
Sixty days counted from when you leave your house until your return to same - a one second stay in your home initiates another sixty days of coverage.
Time is extended automatically in case of disease/hospitalization or if card holder is detained by authorities.
What to do:
You/someone else/physician/hospital makes a free call to SOS (insurance company) where multi-languaged physicians decide local treatment or relocation to home country.
No coverage if:
Preconditional disease except if condition is deemed stable by physician
Less than 1 month before expected childbirth
While intoxicated or using narcotics etc.
While taking part in a crime, or a fight (except in self defence), dangerous or professional sports, expeditions demanding a special permit, big game hunting, etc., etc. - dangers clearly beyond a normal life.
When and where covered by the free and obligatory EU blue card.
Trips in home country (i.e. where you are registered as a citizen)
Travel to war zone or similar which the foreign ministery = ministery of state has warned against, except if present in a country
when war breaks out, in which case coverage is limited to one month.
Except for amount, in general the same coverage as can be seen here (in English):
http://www.gouda.dk/Conditions+no.+812.1390.aspx
