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How Important is Travel Insurance

Travel Forums General Talk How Important is Travel Insurance

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1. Posted by Angelina01 (Budding Member 8 posts) 1y

So how important is it to have travel insurance when travelling outside the country and which ones are the best for mid term travelling (1 -2 months).
Thanks!!

2. Posted by berner256 (Travel Guru 497 posts) 1y

I always buy travel insurance in advance of my trips for medical and evacuation coverage. I buy policies that provide primary (instead of secondary) medical benefits (usually up to $100,000); and provide emergency evacuation (up to $1 million). I don't care about the rest, such as coverage for lost or stolen baggage; and coverage for missed connections. I don't purchase trip cancellation coverage.

Over the years, I've traveled with people who had medical emergencies (broken arm, broken leg, heart attack, altitude sickness, etc.) and had to be treated and sometimes sent home.

I use an insurance brokerage that specializes in travel insurance. They know the "ins and outs" of the business. I typically buy from two U.S.-based insurers that meet my requirements at a reasonable price. I've never filed a claim; and pray that I never have to.

3. Posted by Ranchi_R (Budding Member 3 posts) 1y

Deciding the importance of travel insurance is quite tough because some people thinks its worth and some don't. so according to me one should buy the travel insurance if you were going on a long trip. the reason to buy a travel insurance is, it covers your medical emergencies & Evacuation, its also covers your baggage & personal belongings loss and the main thing is, it covers your trip cancellation also.

Well this is what i know about travel insurance.

Even I am planning to buy a travel insurance for my next trip at USA for a month. Looking for a insurance provider who can explain me the policy very well & help me out with my questions list about travel insurance.

4. Posted by Alexanderwalk (Budding Member 4 posts) 1y

You need to look carefully at just how much protection travel insurance can actually provide you while you are away on vacation. Travel insurance is a good idea to have if you are a senior citizen. There are just too many situations that could go wrong for you to take any chances.

5. Posted by Budgie Escapee (Budding Member 27 posts) 49w

I believe travel insurance is extremely important to cover medical emergencies. I generally don't spend too much time thinking about what else insurance offers as for non medical items (eg lost or stolen gear) the fineprint often limits the extent to which you are covered beyond practical means.

If you are really looking to skimp on travel insurance, i would suggest doing some research into the kind of relationship your home country has with the country you are visiting. In fact, i think anyone who travels should look into this before they leave home. There are what are called 'reciprocal health care agreements' which provide free medical care if you hurt yourself in a country which shares this agreement with your home country.

For example, Australia and Italy shares this agreement. If an Aussie hurts themselves in Italy they receive free emergency care and same goes if an Italian hurts themselves in Australia. As a case-in-point, my brother went base-jumping in Italy (an activity for which you can't get insurance) and he had an accident that required a helicopter rescue off the side of a mountain followed by emergency surgery and weeks of hospital care. He did not have to pay a cent because of the reciprocal health care agreement.

[ Edit: Edited on 18-Oct-2015, at 18:36 by Budgie Escapee ]

6. Posted by Kimosabe (Budding Member 2 posts) 49w

After being on a cruise where a lady was airlifted off the ship with a clot (helicoptered back to Cork while we sailed off to Canada) and a friends companion on a different trip fell over and broke her nose, wrist, ribs and did major damage to her face and spent 10 days in hospital in the U.S. and then was flown home before the trip had concluded, I would recommend taking travel insurance. You can reduce the cost in a lot of policies by increasing your your excess. Also most Platinum Visa cards have travel insurance if you book the airfare on the card (but you may want to check out the terms and conditions). Shop around to find the best price that suits your requirements.

7. Posted by robmer (Full Member 105 posts) 48w

I have never purchased travel insurance, but after reading some of these posts, I may have to reconsider. I must have just been lucky.

8. Posted by therook (Budding Member 37 posts) 48w

I would recommend it, and short trips are fairly inexpensive. I always buy it but have never had to use it (hopefully this stays true....). However my friend was travelling in Bolivia two years ago and got run off the road while on a bicycle and fractured a vertebrae (needless to say he had to return home to the states on his cost, luckily he is all good now!). Enough to make me continue wanting to buy insurance! Currently I am on IMG's Patriot travel insurance. They do all lengths of cover. DAN looked good, but could not cover an open ended trip such as the one I am on (no set return date), but would be good if you are staying in one location.

9. Posted by sravanireddy (Budding Member 15 posts) 48w

i never suppose the travel insurance

10. Posted by backpackblogger (Budding Member 58 posts) 47w

Hey there!

Trips less than 90 days tend to be much easier and cheaper to insure. My favorite site for comparisons is -snip-

Picking out a policy can be pretty mindboggling, hey. As far as how important, only you can decide that for yourself. Lots of people will argue no one should ever travel without it. For short term trips, I personally think it's even more worth it as a larger percentage of your vacation gets "ruined" if something goes wrong.

-snip-

Hope that helps!

p.s. Hi mods! Not trying to promote anything... just found myself answering insurance questions over and over in various forums, so finally put the combination of all the info in one spot instead of re-typing a thousand posts... fingers crossed you don't think I'm a spammer!

[ Edit: Sorry, no promos please. ]