Travel Insurance?
Kate Hawley
pinch? Has it left you hanging?
I'm a writer with Travel and Leisure Family
(www.travelandleisure.com/family)--a supplement to Travel and Leisure
magazine. I'd love to talk to anyone who has had favorable (or
unfavorable) experiences dealing with travel insurance. I'm especially
interested in hearing from people with school-age children.
I'd want to talk with you briefly for a story that will appear in our
September issue. Feel free to shoot me an email at
kate....@earthlink.net with your contact information and a quick
summary of your travel insurance experiences.
Many thanks,
Kate Hawley
Rudy
> pinch? Has it left you hanging?
Always buy it. Never used it (its for emergencies only). I dont want to
wake up in a hospital in a foreign country (especially the USA) and have the
hospital owning my house (they might if I didnt have the insurance)
Reef Fish
This subject has been thoroughly discussed in rec.travel.cruises, and
can easily be retrieved from the Google archives.
MEDICAL travel insurance (not TRIP CANCELLATION insurance) is
secondary insurance to one's primary medical insurance. And if
the traveler have a Primary AND a Secondary medical insurance
(such as Medicare and Blue Cross - Blue Shield), then the travel
medical insurance is tierciary (3rd) to those other two.
I have a travel MEDICAL insurance that has a small ANNUAL
premium that covers ALL travel and cruises during a 12 month period
for coverage like airlift in a foreign country that is NOT covered by
the regular medical insurance. This insurance also cover MANY
of the items covered by a "trip cancellation insurance" offered
for single cruises.
Go to the Google archives and check out what "Reef Fish" and
others have posted about travel insurance.
-- Reef Fish Bob.
Kurt Ullman
"Reef Fish" <Large_Nass...@yahoo.com> wrote:
>
>
> MEDICAL travel insurance (not TRIP CANCELLATION insurance) is
> secondary insurance to one's primary medical insurance. And if
> the traveler have a Primary AND a Secondary medical insurance
> (such as Medicare and Blue Cross - Blue Shield), then the travel
> medical insurance is tierciary (3rd) to those other two.
Medicare doesn't cover you outside the US. Most of the MCare
supplement policies don't either. Even "regular" insurance may not cover
outside the US, this is very dependent on the specific policy. Call your
insurance company or Human Resources people to find out.
gas...@web.de
Yes. Health always, luggage depending on destination country and my
luggage, cancellation if the trip was expensive.
> Has it come through for you in a
> pinch? Has it left you hanging?
Health: One time, accident. About 8,000 US$. Payed.
Luggage: On time. Stolen from a locked but unattended car in South
Africa. Payed.
Cancellation: Never needed.
IMHO health is essential, beacause costs can ruin you. Send a written
inquiry to your health insurance if they cover the destinations. If not
buy one which does.
The other insurances are not necessary because financial risc is
limited to the trip price and the value of your luggage. Bad if it's
lost and nice if a insurance pays for it.
Walter
Lennart Petersen
<gas...@web.de> skrev i meddelandet
news:1151505352.1...@i40g2000cwc.googlegroups.com...
>> Have you ever bought travel insurance?
>
> Yes. Health always, luggage depending on destination country and my
> luggage, cancellation if the trip was expensive.
>
>> Has it come through for you in a
>> pinch? Has it left you hanging?
>
> Health: One time, accident. About 8,000 US$. Payed.
> Luggage: On time. Stolen from a locked but unattended car in South
> Africa. Payed.
> Cancellation: Never needed.
>
> IMHO health is essential, beacause costs can ruin you. Send a written
> inquiry to your health insurance if they cover the destinations. If not
> buy one which does.
Also be sure that the health insurance is unlimited and includes
repatriation.
AWB
cancellation?
Everyone I have seen so far covers only one of the above.
Regards,
AWB
ocon...@slr.orl.lmco.com
AWB wrote:
> Who may I ask, do you use that combines EVAC & Medical & some
> cancellation?
>
> Everyone I have seen so far covers only one of the above.
It is however country of origin dependent. And there are fiscal
limits as well. I have however made a claim for missing the first
day of a tour (due to travel delays) and they paid many of the
associated losses and added expenses. Never made a medical
claim.
Dillon Pyron
Almost always bought it, never needed it. Didn't buy it, needed it.
--
dillon
JAFO
Dick G
Bought it for our next cruise and hope that we do not need it.
--
DG in Cherry Hill, NJ
"Dillon Pyron" <dmpyron...@austin.rr.com> wrote in message
news:e026a2dphfo08ce69...@4ax.com...
Reef Fish
Kurt Ullman wrote:
> In article <1151499631.9...@d56g2000cwd.googlegroups.com>,
> "Reef Fish" <Large_Nass...@yahoo.com> wrote:
>
> >
> >
> > MEDICAL travel insurance (not TRIP CANCELLATION insurance) is
> > secondary insurance to one's primary medical insurance. And if
> > the traveler have a Primary AND a Secondary medical insurance
> > (such as Medicare and Blue Cross - Blue Shield), then the travel
> > medical insurance is tierciary (3rd) to those other two.
The above has been verified to be correct, as my wife had run into
a situation last year while on a cruise that required the medical
attention on a ship that drew a bill of $600 USD for the mere 5
minutes and prescription of some pain pills.
> Medicare doesn't cover you outside the US.
That is correct.
> Most of the MCare
> supplement policies don't either. Even "regular" insurance may not cover
> outside the US, this is very dependent on the specific policy. Call your
> insurance company or Human Resources people to find out.
The main exclusion of the "regular" insurance policies are the cost of
air evacuation in foreign countries which is VERY expensive if it
becomes necessary. That was the SOLE reason we got the ANNUAL
policy from Travel Guard (which used to be within the coverage of
DAN (Divers Alert Network) insurance but no longer.
In one of my recent posts, regarding the cruise I am on NOW, I compared
the actual cost AND coverage of that ANNUAL insurance against the
Trip Cancellaton insurance, and found the latter to be worth virtually
NOTHING, given the other insurances we already have, while it would
have incurred a premium of about $500 USD. The $500+ saved went
a long way toward the payment of our land tours and the purchase of
souvenirs from 7 different countries!
-- Reef Fish Bob.
Rudy
"Dick G" <dickdotgoldhaber@gmaildotcom> wrote in message
news:qKKdnbs6i4jLhD7Z...@comcast.com...
> Bought it, needed it, got a check for a little over $13,000
Friend, same, Gall bladder operation..Needed it $ 17.5 K
Gregory Morrow
ODORIFEROUS Reef Fish gargles:
> Kurt Ullman wrote:
> > In article <1151499631.9...@d56g2000cwd.googlegroups.com>,
> > "Reef Fish" <Large_Nas...@yahoo.com> wrote:
> >
> > >
> > >
> > > MEDICAL travel insurance (not TRIP CANCELLATION insurance) is
> > > secondary insurance to one's primary medical insurance. And if
> > > the traveler have a Primary AND a Secondary medical insurance
> > > (such as Medicare and Blue Cross - Blue Shield), then the travel
> > > medical insurance is tierciary (3rd) to those other two.
>
> The above has been verified to be correct, as my wife had run into
> a situation last year while on a cruise that required the medical
> attention on a ship that drew a bill of $600 USD for the mere 5
> minutes and prescription of some pain pills.
No doubt. She is probably in perpetual "pain" from having to be associated
with the likes of you!
> > Medicare doesn't cover you outside the US.
>
> That is correct.
Being a fish and all, isn't it true that you have to get your insurance via
your veterinarian...???
> > Most of the MCare
> > supplement policies don't either. Even "regular" insurance may not cover
> > outside the US, this is very dependent on the specific policy. Call your
> > insurance company or Human Resources people to find out.
>
> The main exclusion of the "regular" insurance policies are the cost of
> air evacuation in foreign countries which is VERY expensive if it
> becomes necessary. That was the SOLE reason we got the ANNUAL
> policy from Travel Guard (which used to be within the coverage of
> DAN (Divers Alert Network) insurance but no longer.
OH REALLY...!!!???
> In one of my recent posts, regarding the cruise I am on NOW, I compared
> the actual cost AND coverage of that ANNUAL insurance against the
> Trip Cancellaton insurance, and found the latter to be worth virtually
> NOTHING, given the other insurances we already have, while it would
> have incurred a premium of about $500 USD. The $500+ saved went
> a long way toward the payment of our land tours and the purchase of
> souvenirs from 7 different countries!
>
> -- Reef Fish Boob.
Well fancy that -- fish on a holiday...!!!
--
Best
Greg
michelle
Rudy 写道：
i agree with you.we should buy travel insurance,but i think no one want
to used it . in china,we usually spend 10RMB garateen about
10,0000RMB.this insurance is travel-accident insurance.Except tourist
slhoud buy tour hospitalization insurance and aviation
insurance.though,these insurance maybe never used it ,but we still buy
it for ourselves.
Kurt Ullman
"Reef Fish" <Large_Nass...@yahoo.com> wrote:
> > Most of the MCare
> > supplement policies don't either. Even "regular" insurance may not cover
> > outside the US, this is very dependent on the specific policy. Call your
> > insurance company or Human Resources people to find out.
>
> The main exclusion of the "regular" insurance policies are the cost of
> air evacuation in foreign countries which is VERY expensive if it
> becomes necessary.
Not necessarily. A policy I had through my employer until last year
(interestingly enough I worked at a hospital) said specifically that it
covered NOTHING, nada, zilch, outside US, Canada and Mexico. A couple
personal policies I looked at recently had the same holes in coverage.
So ask not only about evac but also about what else is or is not
covered.
Joseph Coulter
news:kurtullman-34DDE...@news.west.earthlink.net:
Of course the costs of care outside of the US are not so high, my
mother had surgery on her arm in Germany after falling on a cruise and
the whole bill for 7 days in the hospital and surgery and doctors was
$1500. Not only that they let her out without paying! even though I had
my credit card out as soon as I saw the figure, hoping that it was a
typo.
--
Joseph Coulter
Cruises and Vacations
http://www.josephcoulter.com/
Kurt Ullman
Joseph Coulter <yourDROPTH...@comcast.net> wrote:
> Of course the costs of care outside of the US are not so high, my
> mother had surgery on her arm in Germany after falling on a cruise and
> the whole bill for 7 days in the hospital and surgery and doctors was
> $1500. Not only that they let her out without paying! even though I had
> my credit card out as soon as I saw the figure, hoping that it was a
> typo.
My uncle had the same thing happen to him following a stent placement
in Kenya. Never did see a bill (which he was happy about since that was
how he learned about the exclusion in MCare)
Reef Fish
Neither of you has any idea of the cost of AIR EVACULATION in foreign
countries!
BTW, I mentioned DAN (Divers Alert Network) insurance used to cover
the cost of air evec, but no longer, because the company that covered
it pulled out and was in a separate insurance business now -- it's
Access America (instead of Travel Guard which is the trip cancellation
insurance).
Here's an actual true story about air evacuation which is COMMON
for scuba divers should they have accidents that needed to be treated
in hyperbaric chambers that require air lift.
I was involved in a case of "distortion" by a Belize hyperbaric
chamber,
to give them a $10 donation (per person for everyone in liveaboard
dive boat) or else NOT be treated or air evacuated unless they can
come up with $50,000 USD, IN CASH, at the spot.
Out of outrage and principle, I was prepared to take out $50,000 in
cash to defie the "donation extortion", whereas I would have gladly
donated if they pleaded their case of need for financial support.
Below are passages that could be found in several of my posts in
the Google archives:
In an article posted in 1993 (for details, go to Google search for
Message ID <SCUBA-L%93120712000...@BROWNVM.BROWN.EDU>, I wrote
RF> < ... > I considered to be "extortion" by
RF> the Belize chamber, from a piece of warning I received from the
RF> Peter Hughes Fleet. In a nutshell, it tells divers:
RF>
RF> "DAN insurance WILL NOT BE ACCEPTED by us. if you give us a $10
RF> voluntary donation, we'll treat you should you need the treatment;
RF> otherwise, you'll have to come up with $500 per hour for chamber
RF> cost and no less than $2500 pounds Stirling per hour for the
R.A.F.
RF> transport, ALL IN CASH, and YOU collect from DAN later; or else
..."
RF>
RF> Does that sound like an appeal for "voluntary donation" to you?
:-)
RF> I was subject to similar "extortion" when I was on the Bay Islands
RF> Aggressor, by the Roatan chamber.
Read details about how I refused to extorted (a matter of PRINCIPLE
over the $10) and/or prepared to meet the extortion challenge <g>, in
the 1993 article cited above. Read also my follow-up in 1998, in
"Re: DAN Insurance":
http://groups.google.com/groupsselm=3.0.1.32.19980920124024.006dd...@mail.clemson.edu
-------------- end excerpt of post ---------
If you think the cost of air evacuation is something to be sneezed at,
espcially at countries like Belize and Honduras where they depend
on the help of the Royal Air Force, you'd better look further into the
matter!
-- Reef Fish Bob.
Kurt Ullman
"Reef Fish" <Large_Nass...@yahoo.com> wrote:
> Kurt Ullman wrote:
> > In article <Xns97F1519896AA5yo...@216.196.97.136>,
> > Joseph Coulter <yourDROPTH...@comcast.net> wrote:
> >
> >
> > > Of course the costs of care outside of the US are not so high, my
> > > mother had surgery on her arm in Germany after falling on a cruise and
> > > the whole bill for 7 days in the hospital and surgery and doctors was
> > > $1500. Not only that they let her out without paying! even though I had
> > > my credit card out as soon as I saw the figure, hoping that it was a
> > > typo.
> >
> > My uncle had the same thing happen to him following a stent placement
> > in Kenya. Never did see a bill (which he was happy about since that was
> > how he learned about the exclusion in MCare)
>
> Neither of you has any idea of the cost of AIR EVACULATION in foreign
> countries!
That is because neither of us was discussing that. Try to stay up
with us, Bob.
Rosalie B.
>In article <1151541092.0...@p79g2000cwp.googlegroups.com>,
> "Reef Fish" <Large_Nass...@yahoo.com> wrote:
>> > Most of the MCare
>> > supplement policies don't either. Even "regular" insurance may not cover
>> > outside the US, this is very dependent on the specific policy. Call your
>> > insurance company or Human Resources people to find out.
>>
It is true that Medicare does not pay outside of the US.
>> The main exclusion of the "regular" insurance policies are the cost of
>> air evacuation in foreign countries which is VERY expensive if it
>> becomes necessary.
We have a policy secondary to Medicare for retired armed forces folks
which did pay 80% of the costs of my husband's heart attack in the
Bahamas. He was evacuated to Miami for treatment, and it was less
than $4K. That is expensive, but not ruinous. So it depends on where
you are coming from and how it is done (he was flown in a little prop
plane with a nurse and me and a small amount of luggage from Nassau to
Miami and the price also included an ambulance at each end).
> Not necessarily. A policy I had through my employer until last year
>(interestingly enough I worked at a hospital) said specifically that it
>covered NOTHING, nada, zilch, outside US, Canada and Mexico. A couple
>personal policies I looked at recently had the same holes in coverage.
>So ask not only about evac but also about what else is or is not
>covered.
I have often bought trip insurance when I traveled, and have not had
to use it as yet, but in general I feel that to buy trip cancellation
insurance is a waste of money. Because if you need it they won't give
it to you. Insurance companies are not in the business of paying out.
They are in the business of taking money.
I had trip insurance for a trip to Belize, and when it looked like we
weren't going to get from Guatemala back to Belize City because the
airline didn't have a record of our reservation (made by the travel
agent before we left), I thought about that insurance. After we got
back I asked if it would have been covered and the answer was no,
because the flight was not canceled.
I did get the insurance on the cruise I booked for Dec 06, thinking
that maybe my mom's health would deteriorate and it did, and she died
in April. So I have the insurance now and hope I don't have to use it
for anything else.
Joseph Coulter
I actually do have an idea, but it was irrelevant in my mother's case as
it was for Kurt. Evacuatioin is expensive with a capital E that is why
when clients travel to places where they would rather avoid hospital
stays I make sure that they have tons of coverage for evac.
Reef Fish
Kurt Ullman wrote:
> In article <1151587712.3...@i40g2000cwc.googlegroups.com>,
> "Reef Fish" <Large_Nass...@yahoo.com> wrote:
>
> > Kurt Ullman wrote:
> > > In article <Xns97F1519896AA5yo...@216.196.97.136>,
> > > Joseph Coulter <yourDROPTH...@comcast.net> wrote:
> > >
> > >
> > > > Of course the costs of care outside of the US are not so high, my
> > > > mother had surgery on her arm in Germany after falling on a cruise and
> > > > the whole bill for 7 days in the hospital and surgery and doctors was
> > > > $1500. Not only that they let her out without paying! even though I had
> > > > my credit card out as soon as I saw the figure, hoping that it was a
> > > > typo.
> > >
> > > My uncle had the same thing happen to him following a stent placement
> > > in Kenya. Never did see a bill (which he was happy about since that was
> > > how he learned about the exclusion in MCare)
> >
> > Neither of you has any idea of the cost of AIR EVACULATION in foreign
> > countries!
>
>
> That is because neither of us was discussing that. Try to stay up
> with us, Bob.
But YOU were the one who followed up on MY post about the matter
and gave ERRONEOUS information about the various exclusions of
primary and secondary insurance, ESPECIALLY on air evacuation!
>> The main exclusion of the "regular" insurance policies are the cost of
>> air evacuation in foreign countries which is VERY expensive if it
>> becomes necessary.
This was where Clueless Kurt dived in to make wrong proclaimations.
I merely corrected your tangent single-reply to Coulter who thought,
as you did, that medical care was cheap in foreign countries because
of you VERY LIMITED experience.
Try to keep up with INFORMATION about insurance, rather than
your own speculations.
-- Reef Fish Bob.
Kurt Ullman
"Reef Fish" <Large_Nass...@yahoo.com> wrote:
>
> But YOU were the one who followed up on MY post about the matter
> and gave ERRONEOUS information about the various exclusions of
> primary and secondary insurance, ESPECIALLY on air evacuation!
These are YOUR posts, so there can be no thread drift. Also, show
me one piece of erroneous information.
Do you ever get dizzy from the world revolving around you?
>
> >> The main exclusion of the "regular" insurance policies are the cost of
> >> air evacuation in foreign countries which is VERY expensive if it
> >> becomes necessary.
>
> This was where Clueless Kurt dived in to make wrong proclaimations.
> I merely corrected your tangent single-reply to Coulter who thought,
> as you did, that medical care was cheap in foreign countries because
> of you VERY LIMITED experience.
Where were my proclamations wrong. I said MCare and some private
insurances don't cover anything outside the US and that one should check
in with their regular insurance company to see what they do or do not
cover to help in deciding what coverage they did (or did not) need. I
then mentioned in passing the experience of my Uncle. You telling me
that I was wrong about the experience of my Uncle, oh all knowing all
seeing one?
Gregory Morrow
Kurt Ullman wrote:
> In article <1151589931.6...@d56g2000cwd.googlegroups.com>,
> "Reef Fish" <Large_Nass...@yahoo.com> wrote:
>
> >
> > But YOU were the one who followed up on MY post about the matter
> > and gave ERRONEOUS information about the various exclusions of
> > primary and secondary insurance, ESPECIALLY on air evacuation!
>
> These are YOUR posts, so there can be no thread drift. Also, show
> me one piece of erroneous information.
> Do you ever get dizzy from the world revolving around you?
>
You'll have to forgive b00b, he is prone to get all obtuse whenever anyone
challenges his silly and pointless points...
One of the most ridiculous examples of his shite was about how Continental
Airlines "rooked" him out of information about visas to Australia...
> > >> The main exclusion of the "regular" insurance policies are the cost
of
> > >> air evacuation in foreign countries which is VERY expensive if it
> > >> becomes necessary.
> >
> > This was where Clueless Kurt dived in to make wrong proclaimations.
> > I merely corrected your tangent single-reply to Coulter who thought,
> > as you did, that medical care was cheap in foreign countries because
> > of you VERY LIMITED experience.
>
> Where were my proclamations wrong. I said MCare and some private
> insurances don't cover anything outside the US and that one should check
> in with their regular insurance company to see what they do or do not
> cover to help in deciding what coverage they did (or did not) need. I
> then mentioned in passing the experience of my Uncle. You telling me
> that I was wrong about the experience of my Uncle, oh all knowing all
> seeing one?
Don't you know anything!? b00b is all - seeing, all - knowing...!!!
--
Best
Greg
GG
"Rosalie B." <gmbe...@mindspring.com> wrote in message
news:s8l7a21feqignt1nv...@4ax.com...
> I have often bought trip insurance when I traveled, and have not had
> to use it as yet, but in general I feel that to buy trip cancellation
> insurance is a waste of money. Because if you need it they won't give
> it to you.
I, too, have often bought trip cancellation/interruption insurance. With
ill, elderly parents, I feared losing large amounts of
prepaid/non-refundable apartment rent and other arrangements should I have
to cancel or return suddenly from a trip. While my parents never caused a
problem, a few years ago I became ill, had to have major surgery, and
canceled a fully prepaid and non-refundable China tour for myself and my
granddaughter ten days before departure. Travel Guard reimbursed me quickly
and in full. So, when I needed it, the insurance company did the right
thing. Of course, some people have had unsatisfactory experiences with
insurance companies, but mine was certainly good.
GG
Marc
They will reimburse for "urgent or emergency medical treatment outside of
the USA. However, I could not get a clear answer from their customer
service department as to what would be covered if I needed it while I was in
Europe. My wife got the worst cold I have ever seen in Munchen. $80 for
Dr. and similar amount for prescriptions. Kaiser would not reimburse for
that.
--
~~~~~~~~~~~~~~~~~~~~~~~~~~
"These are the times that try men's souls." Tom Paine
Marc
"Reef Fish" <Large_Nass...@yahoo.com> wrote in message
news:1151541092.0...@p79g2000cwp.googlegroups.com...
EvelynVogtGamble(Divamanque)
Marc wrote:
> I have Kaiser Permeanente medical insurance. I consider it to be very good.
> They will reimburse for "urgent or emergency medical treatment outside of
> the USA. However, I could not get a clear answer from their customer
> service department as to what would be covered if I needed it while I was in
> Europe. My wife got the worst cold I have ever seen in Munchen. $80 for
> Dr. and similar amount for prescriptions. Kaiser would not reimburse for
> that.
Kaiser is not what it once was (back when Henry J. was
instrumental in starting it during WW2). Being a Medicare
recipient whose Medgap insurance does not cover me outside
the U.S., I have a travel medical policy from American
Express. Because it only kicks in after my primarly
coverage (although in my case, that obviously means
everything overseas) it is quite inexpensive - I'm over
seventy and it only costs me $136 a year. I've used it
several times (enough to recover my premiums, anyway) and
they reimbursed everything I sent them bills for. (In fact,
they initially paid me too much for one claim, because they
failed to notice that one doctor was in Zurich and the other
in Vienna, so paid me the same - higher - exchange rate for
both, and I had to call it to their attention.)
pfriedmanNoSpam
"EvelynVogtGamble(Divamanque)" <evg...@earthlink.net> wrote in message
news:e96tl...@news2.newsguy.com...
Just for information...
KP really go its start prior to WWII. This, the first "staff" model HMO
(although the term and legal definition came much later), get its start in
the building of what is now called Hoover Dam.
A bad cold -- even a very bad cold -- would not be considered either
emergency or urgent. Coughing, sneezing and feeling blah is not something a
reasonable layperson would consider life or health threatening. The trick is
to write the complaint and diagnosis "correctly." Lose the "cold" and
replace with "severe respiratory" illness with symptoms of influenza (Grippe
in Zurich <grin>).
Paul
Reef Fish
EvelynVogtGamble(Divamanque) wrote:
> Marc wrote:
>
> > I have Kaiser Permeanente medical insurance. I consider it to be very good.
Dear EvelynVogtGamble,
It's so nice to see you grace rec.travel.cruises (even though it was
only because it was cross-posted from rec.travel.europe by someone).
Your (former?) Troll partner, Greg Morrow, has been a very, VERY
naughty boy in rec.travel.cruises and rec.travel.air, popping his head
out regularly to spew his insults, unprovoked.
Date: Thurs, Jun 29 2006 1:58 am
Email: "Gregory Morrow"
<gregorymorrowDESTROYALLLOAFHEA...@earthlink.net>
Groups: rec.travel.europe, rec.travel.usa-canada, rec.travel.cruises
I was responding to Kurt Ullman, quite an obnoxious Troll himself,
and Greg came from nowhere to start his Troll, in THIS thread.
Greg> ODORIFEROUS Reef Fish gargles:
Greg did it again, following Kurt Ullman
Date: Thurs, Jun 29 2006 11:37 am
Email: "Gregory Morrow"
<gregorymorrowDESTROYALLLOAFHEA...@earthlink.net>
Groups: rec.travel.europe, rec.travel.usa-canada, rec.travel.cruises
Greg> Do you ever get dizzy from the world revolving around you?
Greg> You'll have to forgive b00b, he is prone to get all obtuse
Greg> whenever anyone challenges his silly and pointless points...
Is it possible that Greg and Kurt are now the NEW "two Trolls that
pass in the night", as YOU used to be his Troll partner, in
your posts, "Greg and Evelyn - two Trolls that pass in the night"
http://tinyurl.com/73273 (in rec.music.opera)
http://groups.google.com/group/rec.music.opera/msg/38cf20e3ebeffa5b?h
http://tinyurl.com/7rsdm (in rec.travel.europe)
and many other similar posts on that subject "two trolls ...".
or are you now using the name Kurt Ullman when you Troll with Greg?
Evelyn, I hope your false teeth are sticking to your gum better these
days. I was sort of worried about Greg when you wrote about his
trolling and your own when, by your own account, in one or more of
the posts in the URLs given above, about YOURSELF,
Evelyn> and Othello followed up Babs with,
> Didn't a sailor beat her up when he paid her $20 to give him
> a blowjob and her dentures fell out right in the middle of it
Greg, the sniping chicken shit that he is, wouldn't comment on
your present relationship or why you two broke up as
"Greg and Evelyn -- two Trolls that pass in the night".
So, I am asking you, Evelyn, to give us your ever candid report,
as you proudly quoted stories about your falling denture and
sex adventures.
I look forward to your update about Greg Morrow. Below are just
a couple more of his Trolls which I didn't respond.
-- Reef Fish Bob.
From: Gregory Morrow
Date: Mon, Jul 3 2006 3:43 pm
Email: "Gregory Morrow" <gregorymor...@earthlink.net>
Groups: rec.travel.cruises, rec.travel.air
I was informing mrtravel,
> BTW, your $25 of Continental certificates are still unclaimed by any
> one in the military because I haven't seen any in airports lately.
Greg> Did you ever get that electronic visa to Oz, b00b...???
Date: Mon, Jul 3 2006 3:40 pm
Email: "Gregory Morrow" <gregorymor...@earthlink.net>
Groups: rec.travel.cruises, rec.travel.air
I was responding to George Leppla ...
Greg> b00b is in Googoo-land...
EvelynVogtGamble(Divamanque)
Reef Fish wrote:
(Crap, as usual)
I thought he'd finally disappeared! (ReP-L-O-N-K!)
Reef Fish
Dear Evelyn,
You disappointed me in being as evasive about the
current status of
"Greg and Evelyn -- two Troll who pass in the night"
as Greg Morrow has been, in recent months.
Since "Greg and Kurt (Ullman) -- two Troll who pass in the
night" seems a rather evident current affair, I shall assume
the tentative hypothesis that you and Greg have split your
partnership, and you were replaced by Kurt Ullman rather
than him being your Sockpuppet.
Kurt Ullman is hardly as experienced as you are, in his
sophomoric Trolling -- he must be Greg Morrow's traineee
at the present time.
Thank you again for taking your tike from rec.travel.europe
to grace the newsgroups of rec.travel.air and rec.travel.cruises.
Best wishes on your dentures,
-- Bob.
Goomba38
> Kurt Ullman is hardly as experienced as you are, in his
> sophomoric Trolling -- he must be Greg Morrow's traineee
> at the present time.
Kurt Ullman is hardly a troll. He is a well respected professional
writer, and witty poster on many USENET and listserves I read.
Reef Fish
You spend all your time in rec.food.cooking. How would YOU
know the kind of scoundrel Kurt Ullman is in travel groups?
Date: Wed, May 24 2006 5:31 pm
Email: "Reef Fish" <Large_Nassau_Grou...@Yahoo.com>
Groups: rec.travel.cruises
Kurt Ullman wrote:
> You are so full of shit at times(g).
RF> But proven right every time!
RF> Try "Its_my_dime" as the author in groups.google's advanced search.
> When I redid just as IMD, I did indeed find stuff from him including
> a tirade against Ray from 2004. As I said, if I was wrong I would recant
> and apologise.. this is both.
RF> Well, at least you are much more of a MAN than all those
RF> other Ray-brown-nosers and sleazy-Gang.
That was in May,
Of course Kurt Ullman teamed up with Greg Morrow (or vice versa)
in "two Troll that pass the night" in more recent posts, in
newsgroups YOU seldom ever read!
-- Reef Fish Bob.
Kurt Ullman
"Reef Fish" <Large_Nass...@yahoo.com> wrote:
> Kurt Ullman is hardly as experienced as you are, in his
> sophomoric Trolling -- he must be Greg Morrow's traineee
> at the present time.
>
>
Geez Reefer, is this lame stuff the best you can do?
Kurt Ullman
Goomba38 <Goom...@comcast.net> wrote:
Thanks. I always like to hear from my fans (g). However, in the
future just let it go, I wouldn't want you to suffer any collateral
damage.
Kurt Ullman
"Reef Fish" <Large_Nass...@yahoo.com> wrote:
> Kurt Ullman wrote:
> > You are so full of shit at times(g).
>
> RF> But proven right every time!
>
> RF> Try "Its_my_dime" as the author in groups.google's advanced search.
>
>
> > When I redid just as IMD, I did indeed find stuff from him including
> > a tirade against Ray from 2004. As I said, if I was wrong I would recant
> > and apologise.. this is both.
>
> RF> Well, at least you are much more of a MAN than all those
> RF> other Ray-brown-nosers and sleazy-Gang.
>
> That was in May,
You will note I only sa
Kurt Ullman
"Reef Fish" <Large_Nass...@yahoo.com> wrote:
> Of course Kurt Ullman teamed up with Greg Morrow (or vice versa)
> in "two Troll that pass the night" in more recent posts, in
> newsgroups YOU seldom ever read!
>
I give up, W
Kurt Ullman
<kurtullman-2DCB7...@customer-201-125-217-207.uninet.net.mx
>,
Kurt Ullman <kurtu...@yahoo.com> wrote:
Apparently I am hitting the send button instead of the discard.
Sorry.
Kurt (So much for professionalism...)Ullman
Gregory Morrow
Goomba38 wrote:
The ODORIFEROUS "Reef Fish" (aka b00b Ling) OTOH *is* a 1000% gen - u - wine
certified troll...and he has been for many years now.
On rec.travel.air most have him killfiled...he has never contributed
anything of substance, not even inadvertantly.
--
Best
Greg
Gregory Morrow
Kurt Ullman wrote:
What can you expect from a 12 year - old...???
--
Best
Greg
Gregory Morrow
EvelynVogtGamble(Divamanque) wrote:
He stinks up the places he visits so much that he has to continually change
his nym to bypass everyone's "troll filters"...
--
Best
Greg
Gregory Morrow
Reef Fish wrote:
Tell us, b00b, are you STILL stuck in Port Moresby waiting for Continental
Airlines to issue you an "electronic" visa to enter Oz...???
--
Best
Greg
Reef Fish
Greg Morrow has himself REALLY work up now, LOL
So, who dumped whom? Now that we have BOTH of you in the same post?
"Greg and Evelyn -- two Troll that pass in the night".
-- Reef Fish BObl
Kurt Ullman
"Gregory Morrow" <gregorymorrowDESTROYALLLOAFHEADS!@earthlink.net>
wrote:
Hey Greg. The next meeting is at my house on Sunday, okay? You bring
the hotdogs, I'll have the beer.
Kurt (Not witty? P'shaw) Ullman
Reef Fish
That more or less confirmed my tentative theory that
"Greg and Kurt -- two Troll that pass in the night" is
the CURRENT Troll combo on USENET!
In view of the outporing of fans of Greg in rec.food.cooking
about Greg's sexual preference and other bones in his closet,
may I ask, "Kurt, are you Gay too?"
Now the splitting up of Greg and Evelyn is making more and
more sense.
-- Reef Fish Bob.
Surfer E2468
<
cruise lover>
Brian
wrote:
>I, too, have often bought trip cancellation/interruption insurance. With
>ill, elderly parents, I feared losing large amounts of
>prepaid/non-refundable apartment rent and other arrangements should I have
>to cancel or return suddenly from a trip. While my parents never caused a
>problem, a few years ago I became ill, had to have major surgery, and
>canceled a fully prepaid and non-refundable China tour for myself and my
>granddaughter ten days before departure. Travel Guard reimbursed me quickly
>and in full. So, when I needed it, the insurance company did the right
>thing. Of course, some people have had unsatisfactory experiences with
>insurance companies, but mine was certainly good.
>
>GG
>
Was your problem something new or was it pre-existing? I just got a
mailing from American Express which excluded anything which had been
treated in the previous 60 days before the trip. As an example, if
someone had high blood pressure and took the same medication, it would
be covered but if the medication had changed, it wouldn't be.
DevilsPGD
<drmorri...@comcast.net> wrote:
Which seems reasonable, since issues are much more likely to occur if
you're changing medication...
--
Is there another word for synonym?
Rosalie B.
Yes, but I was told that we should have NOT been to the doc and had a
medication change in the past 6 months. Wouldn't a problem with
medication show up before then?
In our case, we had not been to the doctor at all in the past six
months because we were traveling, so it was moot.
GG
"Brian" <drmorri...@comcast.net> wrote in message
news:edaob2ldan7cht6q7...@4ax.com...
It was a new problem, but had it been due to something pre-existing it still
would have been covered. Travel Guard covers pre-existing conditions if the
insurance is purchased within seven days of making the first payment toward
the covered trip.
GG
Brian
wrote:
>It was a new problem, but had it been due to something pre-existing it still
>would have been covered. Travel Guard covers pre-existing conditions if the
>insurance is purchased within seven days of making the first payment toward
>the covered trip.
>
>GG
>
Is there any company that pays for a pre-existing condition if not
purchased within that time frame but well in advance of the trip?
We've put a down payment on a trip in July, 2007.
Reef Fish
Surfer E2468 wrote:
About all the Troll talk on the trio Greg Morrow, Evelyn, and
Kurt and their current pairing as Trolls that pass in the night ...
> What has all this to do with travel insurance?
>
> <
> cruise lover>
They have as much to do with travel insurance as your
pal Ray GoldenAd's ADS for his Travel Agency has to do
with travel insurance, or cruising, or rec.travel.cruises.
-- Reef Fish Bob.
Gregory C. Read
"Brian" <drmorri...@comcast.net> wrote in message trip.
> Is there any company that pays for a pre-existing condition if not
> purchased within that time frame but well in advance of the trip?
> We've put a down payment on a trip in July, 2007.
CSA's policy is that you have to purchase it within 24 hours of your final
payment date.
http://www.csatravelprotection.com/
--
Greg
GG
I really don't know since I haven't looked into it recently.
There's an FAQ at the Trip Insurance Store site that gives a summary of
several plans' policies about covering pre-existing conditions. It looks
like coverage is available through several companies. I'd be inclined to
call the companies direct for the most accurate information.
Hope you find what you need.
http://tripinsurancestore.com/faqs.shtml#k
Nancy Kay
"GG" <onther...@yahoo.com> wrote:
> >
> > Is there any company that pays for a pre-existing condition if not
> > purchased within that time frame but well in advance of the trip?
> > We've put a down payment on a trip in July, 2007.
>
> I really don't know since I haven't looked into it recently.
> There's an FAQ at the Trip Insurance Store site that gives a summary of
> several plans' policies about covering pre-existing conditions. It looks
> like coverage is available through several companies. I'd be inclined to
> call the companies direct for the most accurate information.
> Hope you find what you need.
>
> http://tripinsurancestore.com/faqs.shtml#k
>
>
I just purchased insurance for a trip to Europe on July 30th. Check out
accessamerica.com. They probably have what you are interested in.
--
Nancy Kay
"Patience is a Virtue"
remove no in e-mail address
ALAN HARRISON
"Nancy Kay" <nonack...@noinsightbb.com> wrote in message
news:nonacks37310-8F39...@news.isp.giganews.com...
> In article <v-udnbK8FfRtPiPZ...@adelphia.com>,
> "GG" <onther...@yahoo.com> wrote:
>
>
>> >
>> > Is there any company that pays for a pre-existing condition if not
>> > purchased within that time frame but well in advance of the trip?
>> > We've put a down payment on a trip in July, 2007.
Could I suggest that it would be easier for people to answer queries like
this if the poster indicated (ideally in the subject line) where they are
coming from/going to? Indication of the health condition concerned might
also help us to help you.
Some responses have assumed, maybe correctly, that the OP is American.
Having had a heart attack a couple of years ago, I could point British
people at useful insurance possibilities for people with heart conditions,
but such advice would be useless to someone wanting to get cover in New
Jersey.
Alan Harrison