Playing the Odds in Paris
"A good doctor is like a good bookie", a seasoned family physician told me early in my career, "you have to know the odds." So what are the chances of a woman in her late 50's falling seriously ill during a 3 month stay in Paris? Hm-m-m-m....don't know of any risk tables I can easily consult on this topic.
What does my medical experience tell me? Shit happens. Life is unfair. Good drivers are struck by careless drivers. Heart attacks are common after 50. People on long flights get blood clots in their legs. Time to investigate travel insurance.
Twenty year olds hit the road without worrying about insurance. Back in the sixties, I joined the hippie diaspora sans insurance and drove across country to San Francisco in an old van.The odds were with me then. But now I know far too many stories of sudden medical catastrophes.
Bladder infections, sinusitis, even broken bones don't worry me (except a hip fracture, but I'm well-paddes for that). Health care is far more affordable in France. It's the hospitalizations that'll break you though. Plus the trip back. Cruise ships transport the nearly dead (complete with oxygen and other assorted tubes), but airlines insist on special expensive medical evacuation flights.
If I travelled frequently, the yearly medical evacuation policy from MedjetAssist would have been the best bet. That's all they do and they're highly recommended by many, including Bonjour Paris.
Instead, I opted for a package that covered this one grand trip. I haven't considered travel insurance for my short vacations in the past, but a 3 month stay seems like it greatly increases the chances of something untoward happening.
Investigating travel insurance takes you down a parallel track where you plan for the worst possible experience, not the best. Trip cancellation, interruption, delay: oy vay! Lost or delayed baggage: too bad I can't lose my emotional baggage. Medical evacuation: I hope they provide sedation.
And then there's health insurance. Does my US plan cover me overseas? I'm not yet Medicare age, which is good since Medicare doesn't cover you in France. And age makes a big diffeence in the price of coverage. This is where it gets trickier. Some travel plans only cover you as a secondary plan, meaning you must have other insurance that covers you as a primary plan.
It's no longer the Age of Aquarius where you take off in a hippie van, but it is the Age of the Internet where you can cruise websites and do side-by-side price and coverage comparisons. So check out: www.insuremytrip.com and www.totaltravelinsurance.com and www.squaremouth.com and www.quotewright.com.
After browsing these sites, I discovered travel insurance would cost more than my roundtrip flight did. I blew on my dice and gambled on CSA Travel Protection. Now I can go back to envisioning my ideal experience and evacuate myself from these worst-case scenarios.

