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Mike Said:

COBRA without payment?

We Answered:

Yes Ohh..
It leaves one with an eerie feeling (I know this because I'm a cancer survivor and literally can't get individual health insurance), but there's an acceptable and pretty long time lag before you have to pay for your Cobra.

From Ernesto's link:

"Employers must notify their plan administrators within 30 days after an employee's termination or after a reduction in hours that causes an employee to lose health benefits."
So that gives you a possible 30 days not to pay to begin with.

"The plan administrator must provide notice to individual employees of their right to elect COBRA coverage within 14 days after the administrator has received notice from the employer" There's another 14 days you might have before receiving paperwork.

"You must respond to this notice and elect COBRA coverage by the 60th day after the written notice is sent or the day health care coverage ceased, whichever is later."
That means you might have up to 60+14+30 days to choose your Cobra (I never advise waiting til the last minute if you need it though)

"The initial premium payment must be made within 45 days after the date of the COBRA election" So now you might have up to the above 104 days + 45 days to pay.
When it does come time to pay though, you will need to cover those past days w/payment if you elect to take Cobra.

Again, this can make one feel in a weird limbo, but that's the way it works, and there's strict rules / penalties if your company doesn't get paperwork to you in a timely manner.
On the brightside, there can be cool benefits to this time lag.
Say you have another insurance lined up but you need to wait 60 days.. then you can cop out from the Cobra if nothing happened to you. It can be like a sort of unpaid time protection. I liked it because I had my boyfriend on as a domestic partner and didn't want to elect Cobra for him.. so by holding out, it was like an extra 60 free days of insurance if something happened to him.

Patsy Said:

When you go quad biking abroad is insurance for injury included in the hire company's price?

We Answered:

This insurance company does include quad biking.


Travel insurance in Europe and Worldwide for trips where you will be participating in quad biking.

http://www.jsinsurance.co.uk/travel_insu…



All the best...and have fun!!

Terri Said:

Travel Insurance for 59 year old mostly to cover Scuba Diving.?

We Answered:

Most "regular" insurance considers scuba diving an extreme sport. Couple that with your age and you will get some outrageous quotes.

First, if you currently have health insurance, determine how it works outside of the US. Some policies are better than others. Either way you need to know what your current policy covers.

Second, look into regular travel insurance. This is great for lost luggage, missed flights, hotel overbooking, and stuff like that.

Third, look into scuba diving insurance. I highly recommend DAN (Divers Alert Network). It is a secondary insurance meaning it kicks in after your primary health care is used. Since most health insurance won't cover scuba diving, it kicks in quickly. DAN insurance costs like $25 per year to become a member, and then $75 per year for the premium coverage. The premium coverage will cover more than just scuba diving related things. For $100 total dollars you can argue the coverage. DAN is also recognized worldwide. I haven't had to use my coverage, but I have called the help line a few times with questions.

http://www.diversalertnetwork.org/

Back to the original question, most underwriters have no clue about scuba diving and they will cover their bases with high quotes. DAN has researched diving and diving related medicine for a while. They also realize that scuba diving is relatively safe.

Jacob Said:

Does anyone offer travel insurance for scuba divers for <£65?

We Answered:

I just did a quotation for you from http://www.travelinsuranceweb.com based on the details above. They have a selection for scuba diving upto 50m. It came upto £23.69 with the full cover you would expect from travel insurance for this kind of activity. Check it out.

Ben Said:

im going on holiday to Egypt soon.If I decide I want to scuba dive ,jetski or camel ride is the cost of this..

We Answered:

in Egypt , you wont be covered by any insurance for the activities you mention.
we have a way of being fatalistic .
if you insist , get insured in your country .
but nothing will happen , bec nothing ever happens .