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Is Travel Insurance a waste of money - or essential?
Ask our client who was riding a bike in Bora Bora and got hit by
a truck! There were no hospitals just a clinic where no one
spoke English, only French. He broke more bones than most people
know that they have! He was prepared for travel and medivac'd
back to the USA for extensive surgical repairs. His total
transportation bill was in excess of $80,000.00, the travel
insurance company arranged everything and paid the entire bill!
Ask yourself, is this the kind of unforeseen incident you would
like to self-insure?
Having excellent medical, auto, and home insurance does not
always guarantee protection when you decide to travel to another
country. Many unpredictable situations can occur that may not be
covered by your insurance back home. Below is a list of
situations that may not be covered:
accidents
diseases
dental care
trip cancellations
lost luggage
rental car damage
evacuations
A travel insurance policy can be a saving
grace when something
unexpected crops up. Travel insurance can cover a range of
situations, from trip cancellation or delay to medical
evacuation. You can buy supplemental medical insurance, baggage
insurance and policies that cover money lost if a travel vendor
defaults.
Planning a great trip starts with planning for the unexpected
and the best way to cover the unexpected is by purchasing
additional insurance when you travel. The first step in doing
this is to gather up all the current insurance you have such as
home, auto, health, life, personal property, dental, and
umbrella policies. Next, check to see what coverages you have on
these policies if you travel.
About the author:
Daniel Reed is the author of "Is Travel Insurance a waste of money - or
essential?" . Visit his website: http://www.travellodge.info/ for more
information on travel insurance.
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