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Travel insurance necessary evil??

Travel Forums Asia Travel insurance necessary evil??

1. Posted by majortom (Budding Member 10 posts) 12y

Hey
Just I'm trying to decide if travel insurance is worth the bother (i'm going to india for a couple of months), because I'm told in the event of something happening me even though I'll have all my vaccinations that I'll have to pay for it anyway and then claim when I return so it'd be all the same, as regards disrupting my travel funds. I think to get one that pays for it there would be very expensive- not sure of the costs.....sorry for rambling but I'm a bit confused. any advice would be great
Cheers and keep on travelling

2. Posted by YerMan (Full Member 66 posts) 12y

I would say travel insurance is absolutely vital. Personally, I wouldn't leave home without it.

I know what you're saying about disruption to your travel plans, but, Heaven forbid, if anything serious happens to you, a good insurance firm will fly you out a nurse to bring you home in an air ambulance etc. A nurse friend of mine does this, and she says the costs if you're not insured are absolutely horrendous.

I think it really is worth the money, if only for the peace of mind.

3. Posted by rogerb (Full Member 50 posts) 12y

Hi Joseph,

If you want my advice (with the benefit of hindsight) the answer to your question is a resounding "YES" you MUST take out travel insurance before you go !!!!! AND also pay a little more for an ‘excess waver’.

Many times I have had the same doubts as you and thought "Hum… Nothing’s going to happen to me while I’m away…. I’m as fit as a fiddle and a careful guy!"

I only ever took the chance once (years ago) and got away with it! On one occasion I got a throat infection, in Denmark… It cost me about £60 (about 20 years ago!). On another occasion my Dad, unexpectedly became seriously ill and I had to fly home early. At the beginning of this month I was in Greece and was wrongly diagnosed by a Greek dermatologist with the side of my face swollen up and covered in blisters, fortunately I was only there for 10 days… It still cost me 80 euro!

When I’m at home I can go for years without ever seeing a doctor and just taking emergencies in your stride. We tend to get blasé because we live in an incredibly safe, welfare society.

I’ll tell you another true story….. About 20 of us, all rugby players rented a villa for three weeks in southern Spain, to ‘wind down’ after a torturous season. We all took insurance out except one guy…. a tough, very fit wing forward! We all had a great time, no problems and no health issues, except one guy… We were all kicking a ball about on the beach and…. Yes you’ve guessed right! The ‘tough, fit wing forward’ fell and dislocated a cartilage in his left knee…. He couldn’t afford to see a doctor or get medical treatment (No E111 either!). He spent the last week of his holiday hopping on one leg, hanging on to a mate with his left ankle tied behind him, to his belt! Sounds funny now (in fact it was to the rest of us!)

Take my advice and get insurance!!!! I’ve researched many insurance companies and found this one to be about the best value for money…. http://www.gotravelinsurance.co.uk/affiliate/ Take the ‘Single Trip’ cover and for a little extra take the ‘excess waver’, it’s well worth it! It’ll cost you about 117 euro (£80.86)…. For 2 months that works out at the price of ½ a Guinness a day

With regard to the ‘disruption of your travel funds’…. Take a VISA card or make an arrangement with your bank before you leave, for an overdraft in the event of an emergency…. Tell them you are insured and there should be no problem.

Have a great trip and I hope you don’t need your insurance! ;)

Roger

4. Posted by Peter (Admin 5813 posts) 12y

I agree with the others, insurance is a must! As STA would say, "if you can't afford the insurance, you can't afford to travel" .

I have heard some absolutely horrible stories of people with medical bills well into six figures. As far as stuff getting stolen, etc. I think it's a personal choice, but in the event of a medical emergency, you absolutely need to be covered.

If you have a good trip, you'll never need your insurance and you may feel like it wasn't worth it, but if everything went horribly wrong, you would really regret not having it.

5. Posted by travelfish (Full Member 75 posts) 12y

You're mad to travel without insurance.

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