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Travel Insurance
by: Sara Chambers
There are many vendors who would try and convince you that going abroad without
traveler's insurance is downright foolish. However, most people going on vacation
have already invested enough in their travel costs that they generally overlook
extra costs they consider frivolous, at best. And there are arguments on both
sides of the fence. If you have never encountered a flight or cruise cancellation,
loss of personal property, or a serious medical malady outside of the United
State's borders, you perhaps have never seriously considered a travel insurance
plan. But for those travelers who have had experience with the above, many experts
agree that a well researched insurance plan may have helped.
Do You Need Travel Insurance?
Before you decide in favor of or against purchasing travel insurance there
are some factors to consider. First, are you planning that amazing, once-in-a-lifetime
vacation you've had on your To-Do list for the last decade? This type of trip
might require some forethought when it comes to considering protecting yourself
and your long awaited investment. Perhaps a little extra investment in flight
cancellations, medical insurance, and luggage loss might pay off should something
befall you on your travels.
Medical Travel Insurance
Traveling outside of U.S. borders? Make sure, especially if you are going
for a long stay that your medical insurance will apply should a medical malady
occur while you are in Tanzania, for example. You may be surprised to find when
you actually ask your insurance provider how little coverage you have when traveling
beyond the U.S. Many insurance plans only cover physicians and care within certain
network areas. And a big reminder for seniors: Medicare does not apply outside
of the United States. Also, make sure your vaccinations are up to date before
you travel. And depending on where in the world you may be traveling, know what
types of inoculations you may require above and beyond those you already have.
Most travel experts agree that travel insurance is not necessary for all travelers,
but that for some it is definitely a wise idea. Long term stays outside of the
United States would suggest some type of medical coverage. In the event of a
medical emergency, you would want to secure some transportation back to The States.
Your health insurance plan may cover the emergency medical care, but it most
likely will not pay for your transportation back home for continued care.
Plans and Coverage
There are scads of companies just waiting to sell you all kinds of travel
insurance packages, including insurance for terrorist events and accidental death.
What you need to consider is exactly what could most likely go awry and plan
best for that situation. Experts suggest you research a travel insurance plan
thoroughly and make sure you are completely aware of the details of coverage
before you pay. Comprehensive package deals will most likely cover a little bit
of every major aspect of your trip including basic trip cancellation, luggage
loss, and a basic medical and/or dental plan, but, once again, shop around and
be sure you really are covered.
This article was posted on February 04, 2006 |
