I'm travelling to India and parts of Indo-China for hopefully about 6 months late this year and I am not sure about whether or not travel insurance is absolutely necessary. Nor what is the cost if it is. Is it money thats wasted when if(possibly an unlikely event) ever things went wrong I'm sure I could get money posted from home(not that my folks are rich but if it was emergency).....just if anyone has any advise from experience please itd be much appreciated...cheers happy travelling
As you said it, its a necessary evil. I would suggest you go for it.
My experience of insurance companies is that they make it as difficult as possible for you make a claim and insert lots of sneaky clauses such as 'you have to make a claim within 28 days of the incident' in the hope that most people on long overseas trips will wait until they get back home before claiming and by then it will be too late to claim.
So basically if a country has reciprocal medical arrangements with Britain I don't get insurance, but if they don't have reciprocal medical arrangements, then I get insurance but just go for the basic medical cover and don't bother about cover for money, possessions, etc.
I'd get it..... for short term trips I don't have to think about it anymore these days as I am covered year round but for a longer trip like that you have to get a seperate insurance. From the UK the prices are quite doable these days...