Has anyone had any experience with TravelGuard Insurance? Or just general advice on traveller's insurance? I am primarily interested in the medical coverage rather than trip cancellation.
I don't have health insurance. I am 22 years old and female. I am from the U.S.
I am undertaking a trip across North America (mostly the US) on public transit. This is supposed to be an eight month trip (I started last month) and I aim to be done around May of next year.
I looked at individual health insurance plans but since I'm bouncing around from city to city, I won't receive in-network benefits (I was looking at Carefirst Blue Cross Blue Shield before, a MD provider).
Since I'm doing my trip across North America on train and bus, I usually buy tickets as I go. Bus tickets are pretty cheap and unlike airfare, it's not as difficult to cancel/change train tickets. So I don't really care much about the trip cancellation benefits.
But since I don't have health insurance, I would like to be insured on my trip particularly for any medical emergencies. Travel Guard has a number of bad reviews, but it seems like they're mainly from people who didn't read the fine print and from people who care a lot more about travel cancellation than I do. I've read the exclusions and I am OK with them.
Right now I'm using a quote comparison site called squaremouth. Here are my results if interested: http://www.squaremouth.com/quotes/195-269-2