Your first inclination when purchasing medical travel insurance for yourself may be to buy from a provider in your country. A couple of thoughts on why we advise against this, and encourage purchasing from a US company like G1G:
1. You want the best communication within the US health system.
Although buying from a foreign provider may seem like a simple option, it may not be the wisest. Foreign providers lack the ability to communicate successfully with the US health care system, causing lag and miscommunication. In a medical crisis, the last thing you want to be thinking of is getting ahold of your insurance provider or mediating between them and your US caretakers.
2. Cheaper does not = better.
Foreign visitors insurance providers tend to be cheaper, but their claim payouts tend to be less as well. Other providers often sell the same policy for all destinations, so that means that their policies won’t specifically account for travel to a nation with high healthcare costs (such as the US). Unfortunately, this can (and does) lead to more out-of-pocket costs for you. Another pitfall with overseas providers is that they may take more time than you can afford to pay upfront. Payments may take up to nine or more months to come through, at which point, you may very well be in a lot of debt over crippling medical bills.
3. Customer service is key.
When dealing with insurance companies, the experience can be made or broken by the quality of the customer service. Do your research. Finding reviews on different companies is one of the best ways to get a sense of the true quality of their customer service. We find that foreign medical insurance providers reviews are crap (for example, ICICI bank plans sold in India… read the reviews here.
G1G is proud of its excellent reviews and recommendations. It’s simple: we live and work by the G1G Standard. Stellar customer service is at the core of what we do. Our goal is to provide top-notch service and the highest quality products for our customers, delivered to you with efficiency and honesty. We are building a culture of trust and positivity between ourselves, our customers and our world. Our team is comprised of folks from a myriad of backgrounds, with a variety of passions. The commonalities we possess are a penchant for travel, for exploration, and for bringing people together. We look forward to assisting you in making your journeys great.