Do I really want journey insurance coverage? That could be a query we frequently get from folks earlier than they journey. We have had so many individuals inform us over time that they by no means purchase journey medical insurance coverage.
We have heard issues like, “I do not want journey medical insurance coverage, hospitals are low cost the place I am going.”
Or folks have stated issues like “It actually is dependent upon the state of affairs, I will simply come residence if I get sick or injured.”
We’d by no means take that danger when touring. Personally, Dave and I’ve by no means travelled with out journey medical insurance coverage and there have been a number of events the place now we have used it.
Occasions we used our Journey Medical Insurance coverage
1. Dave Broke his again in South America
2. Dave and I had second-degree burns from a bike accident in Thailand
three. I had a foul pores and skin an infection in Africa that turned onto cellulitis.
four. had an excessive response to Malaria medicine in Asia
5. I had very dangerous meals poisoning in South America
6. I even had a panic assault as soon as in Asia and went to the hospital as a result of I believed I used to be having a coronary heart assault!
All accidents and diseases required a go to to the hospital. Some have been inexpensive, some would have damaged the financial institution.
Every time we have been grateful we had it as a result of we by no means second-guessed or wasted a minute deciding whether or not or to not go to the hospital. We knew we had protection, so we didn’t take an opportunity.
Causes We’ve Heard Why Individuals Don’t Buy Journey Insurance coverage.
1. I do not want journey insurance coverage as a result of it’s too costly, and I will simply pay for my hospital keep if one thing goes mistaken
It’s true, an ER go to in different international locations might be low cost and there have been occasions once we’ve visited the hospital and by no means submitted our receipts for reimbursement from our insurance coverage firm as a result of it was simply so cheap.
Nevertheless, if we had one thing critical occur with out journey insurance coverage, we may very well be out of pocket for 1000’s of dollars.
After we’re paying 1000’s of dollars on flights and motels for a trip, journey insurance coverage is a pittance of the fee.
That small funding offers us peace of thoughts that we are going to be lined ought to we want emergency surgical procedure, a medical evacuation flight residence, or if we have to e book a resort whereas one among us recovers within the hospital.
Plus, there are a lot of bills that occur throughout an emergency that folks don’t find out about: pet and automobile return, meals and lodging and emergency medical transportation.
2. I do not want journey insurance coverage as a result of I can simply fly residence if I get sick.
I don’t perceive why folks assume that simply because they’re on trip, a critical sickness or damage received’t occur.
We now have talked to individuals who have stated “I’ll simply fly residence if I get sick.” To begin with, flight modifications are costly and except you booked a versatile flight, they’re typically not changeable in any respect. Second there are specific emergencies that require quick surgical procedure or a hospital keep.
We’ve had that state of affairs when Dave broke two vertebrae in his again within the Amazon. He couldn’t fly residence on an everyday aircraft as a result of he needed to keep flat on his again. We wanted an air ambulance residence in order that he might lay down on a stretcher.
However we all know of even much less extreme instances.
My brother as soon as broke his arm in Florida. One would assume that he might simply take care of the ache and fly residence and even make the 20-hour drive.
However the break was so dangerous, that he needed to go on to the hospital. He was informed that he wanted quick surgical procedure at it was a extremely dangerous fracture.
Everyone knows that journeys to the hospital in America might be costly, so if he didn’t have insurance coverage, he most likely would have simply handled the ache, drove residence with my sister in legislation on the wheel after which find yourself with everlasting harm.
My brother doesn’t journey rather a lot, however even he noticed the worth of getting insurance coverage.
He informed me that he received’t even cross the border on a day journey with out it since you by no means know what can occur.
And we received’t cross borders with out it both.
We at all times take into consideration the chance life-threatening accident might occur at any time.
three. I do not want journey insurance coverage as a result of I am solely going away for a day or two
Simply because we’re taking a brief journey, it doesn’t imply we’re utterly secure from having one thing occur.
We reside near the American border and drive throughout for day journeys on a regular basis. However we at all times have insurance coverage each time we journey. Even when it is just for a day.
If we have been hit by a bus in Niagara Falls (which is simply throughout the border) the ambulance driver isn’t going to say, “Oh wait, now we have to drive this woman again to Canada so she might be handled with out having to pay!”
No approach. The ambulance goes to take me to the closest hospital which is able to robotically give me an enormous invoice.
What if I had a coronary heart assault and I used to be simply throughout the border? I’d by no means wait in line at immigration to return again residence for remedy. Attending to a hospital rapidly is of the utmost significance.
In an emergency, timing is every little thing. One delay might value us our life or everlasting harm.
We by no means take the possibility.
four. I have already got journey insurance coverage with my bank card.
Many bank cards supply journey insurance coverage however not all plans are created equal.
We now have a fantastic plan with our American Specific Platinum, however even once we journey, we all know our card doesn’t cowl every little thing. That’s the reason we at all times have journey insurance coverage above and past what our bank card affords.
Earlier than we journey, we at all times test with our bank card insurance coverage supplier to see what’s included and what we have to complement. For instance, some playing cards we’ve had didn’t cowl emergency medical bills together with evacuation and there have been many stipulations the place different protection like journey delay or baggage loss won’t be lined.
When unsure, we at all times make the telephone name to each our insurance coverage supplier and bank card firm.
5. I received’t cancel my journey, so I received’t want journey interruption or cancelation insurance coverage
The reality is, perhaps for brief journeys, or journeys that we haven’t invested some huge cash on, we wouldn’t buy journey cancellation insurance coverage.
However for these bigger journeys the place we make investments a couple of thousand dollars, I’d be so unhappy if I needed to cancel unexpectedly and needed to swallow our upfront prices.
Life is unpredictable and I’d hate to have an emergency like a loss of life within the household, harm to my residence or perhaps a automotive accident on the best way to the airport trigger me to lose the whole value of my journey.
Mates of ours missed out on a visit to Cuba as a result of one among them was hospitalized in an sudden medical emergency. They misplaced their journey and their cash and needed to wait one other 12 months earlier than they might journey once more.
Had they bought journey cancellation insurance coverage, this example might have been a lined cause. However since they didn’t, they misplaced their funding and needed to save up one other 12 months to take their subsequent trip.
We additionally remind ourselves that simply because now we have journey insurance coverage, it doesn’t imply that we are able to cancel a visit as a result of now we have a headache or modified our minds. We be sure to test what the lined causes in our coverage are.
And each time we’ve had an emergency, we make a name to the brokers to inform them what is occurring and ask what we have to do to ensure we’re lined. Like protecting receipts and different paperwork.
I like this text itemizing the “5 Causes Your Journey Cancellation Insurance coverage Will not Cowl You” on the Allianz World Help web site. It actually affords vital factors to consider on our future travels.
6. I do not want journey insurance coverage as a result of I’m younger and wholesome
It’s tough to consider emergencies when you find yourself younger and wholesome, however we had the vast majority of our hospital stays in our earlier days of journey.
We have been sturdy and wholesome and felt that nothing might get in our approach. Although we at all times purchased journey insurance coverage earlier than our journeys, we by no means dreamed something might occur to us.
Till it did.
Think about our shock once we had a bike crash in Thailand and we each ended up with critical burns on our legs.
If we didn’t have insurance coverage, we most likely wouldn’t have gone to the hospital to have it cleaned and we positively would have gotten infections in that tropical warmth.
I do know first-hand what a critical an infection appears like and simply how critical it may be. After I had cellulitis in Africa, I might have misplaced my leg or my life. I had a small crash on my bicycle inflicting a minimize in my leg.
Inside hours my leg swelled as much as twice its measurement and the an infection unfold at a speedy fee from my hip to my ankle.
Leaving a minor minimize, scrape or burn in tropical situations can rapidly flip to life-threatening accidents. Fortunately, we had insurance coverage each occasions and had medical doctors deal with our accidents.
7. I Fly Carryon Solely, I don’t want Misplaced Baggage Insurance coverage
It’s a tragic however true truth of life – theft occurs. Our carryon baggage has our Most worthy gadgets in it like cameras, laptops and different electronics.
If somebody stole my bag once I wasn’t wanting, I wouldn’t know what to do.
And let’s face it, airways are getting stricter every day. After I’m on a small flight, employees has taken my carryon on the gate telling me my bag is simply too giant for the aircraft. If we do find yourself checking our luggage and one thing occurs, I’d slightly have some protection for delays so we are able to purchase a couple of necessities to tie us over till our baggage arrives.
Typically luggage can fall out of an overhead bin and harm gadgets as effectively. Although I’m touring carryon solely, accidents can nonetheless occur.
We like having peace of thoughts slightly than worrying about each state of affairs that may presumably occur.
After 9 years of full-time journey and 10 extra extensively touring the world, now we have doubtless come throughout each state of affairs.
We now have had fellow journey companions break a tooth and want dental surgical procedure, now we have been hospitalized, now we have wanted to be flown residence, we’ve pickpocketed and robbed, scammed and now we have been in the course of storms and unrest.
We all know the worth of insurance coverage and that’s the reason we buy it each 12 months.
Disclosure: This publish is sponsored by Allianz World Help (AZGA Service Canada Inc.) I’m a model ambassador for Allianz World Help (Canada) and obtain monetary compensation.
For extra data on our journey insurance coverage experiences learn:
How We Select Journey Insurance coverage
Journey Security Suggestions – Find out how to Have a Protected and Wholesome Trip
One vital factor to notice is that the majority journey insurance coverage insurance policies and platinum card plans don’t embody medical evacuation protection, so you must positively think about buying a safety complement corresponding to Medjet.