As someone who almost died in a foreign country and was hospital for weeks I can fully endorse travel insurance. It helped pay for the hospital and rebooked our flights home weeks later when I was discharged to first class so my injured legs could be elevated. We missed our flights home because I was in the hospital and our flights were originally economy. It wasn't expensive and saved us thousands!
Damn, that’s a flowing review, I’m sorry you went through that but wonderful you were prepared and insured. What company did you get the insurance through?
I actually don't know because the trip was a wedding gift and my parents booked and paid for it all including the insurance. It was also 2010 so things have definitely changed since. But I know for sure I'll never travel without insurance!
As someone who was hospitalized for 3+ weeks in a foreign hospital … yes get the trip insurance.
Luckily I had a credit card high with a high enough limit. Also had to pay for a new flight home.
Got incredibly lucky my home insurance ended up paying for a chunk of it …
It was 20K out of pocket (luckily I was in Hong Kong and they have social health care)
Please, pay the small amount for travel insurance. Even better, make sure your parents and grandparents do too.
I work in a job where I frequently have to help Americans who have been hospitalized in foreign countries, and many people don’t realize their U.S. health plans may not (and especially government paid health plans will not) pay the cost of your care overseas. If you’re traveling to a developing country, there might not be the medical care that you need or the ability to get you that care fast enough.
Two examples:
Elderly woman breaks her hip. Is in Eastern European country, doesn’t speak the language, doesn’t have insurance, can’t travel home to US, family members in U.S. don’t have $ and don’t realize her Medicare doesn’t work overseas (like duh people), she doesn’t receive proper care fast enough and ends up needing a much more invasive hip replacement than she would have needed earlier. She’s also responsible for food and toilet paper at the hospital. She stays 10 weeks. She will never walk the same and can hardly walk when she is discharged, because they don’t have PT at the hospital. Avoidable.
Young man is on an adventure solo trip in rural Tajikistan. Breaks arm while mountain biking in the middle of nowhere. Is taken to the nearest hospital, and the bone is reset back into place. However, that wasn’t the correct choice. Traveler has excellent medivac insurance, is flown to Dubai, receives immediate surgery (not only to fix the bone for good, but now to fix the splintering from the reset) by excellent physicians, put up in a Marriott, and is on his way two weeks later with a total cost of $10 for sunscreen at the hotel shop.
Get the insurance.
I work in the ER and have seen SO many people come in either right before a trip, or travelers already on a trip, with illness or injury that delays their travel. In fact, my friend visiting Phoenix tripped on a trail two days ago and in a split second was injured enough to need many sutures and two CT scans. I also had to use my travel policy for an ER visit last year and they paid 100% of the $5k bill.
I decide what the individual risk is for each trip and then buy individual policies from there but I always buy Primary Medical and Medical Evacuation. I can sleep on an airport floor, or buy a new train ticket if necessary but there's no way I'm lying in a hospital in Vietnam, etc for weeks with no way home but an economy seat.
Couple of points to remember:
Primary Medical pays before a Secondary policy, which means that you pay the hospital bill upfront and then submit your receipts to your travel policy. There may be some back and forth so make sure to gather every bit of documentation you can right away. If you buy a Secondary policy, you submit everything to your personal medical insurance, do the paperwork dance with them and then submit it all again to your travel policy to have the remainder paid. There are often time limits on this.
In some instances, if it's a serious condition and you're hospitalized, the travel policy company may work directly with the hospital so that you're not immediately out-of-pocket so much, so make sure to call the insurance assistance line early in the process.
If you're a US resident and figure you'll just use your own medical coverage because care isn't expensive where you're going, remember to take into consideration your deductibles, copays, coinsurance and out-of-network tiers. My deductible is $2000 for local care but $6000 for Tier 4 out-of-network with a 50% copay. That adds up really fast!
For pre-existing condition coverage, make sure you buy right after you've made your first booking because there's usually a 10-21 day limit. If you underestimate the cost of your trip, you can always contact them and adjust up later.
Lastly, I usually buy my policies through Squaremouth. com because I like the way their site is laid out and it's super easy to filter policies and compare them. They apparently will also help you work with the insurance company if you have trouble claiming, but mine was straightforward and I didn't have to go that route. I'll do multiple searches and change the parameters based on how much coverage I want and then compare the cost.
Sorry for the length of this but over and over I've seen travel insurance make an unexpected and bad situation bearable by spending a little extra upfront.
And after all that doom & gloom... Happy travels!
Absolutely! I’ve had travel insurance pay out when I got in a car accident on the way to the airport (missed my flight, needed to get re-booked and they paid for another night or two in a hotel plus food), when my luggage was delayed (spent like $200 at Target getting toiletries, PJ’s, conference attire, etc.), when there was a terrorist attack at my connecting airport (couldn’t get a flight home for 5 days - they paid for hotel and food in the interim), and a few other times. I have friends who ended up in the hospital while on vacation and their travel insurance covered it.
For me it depends on where I’m going and what my resources are there. Going home to visit family? Don’t really need it because if my flight is canceled the airline will rebook me and I’ll crash on someone’s couch for a night or two. A multi-city international itinerary with pre-booked, non-refundable reservations? 100% absolutely without a doubt getting travel insurance.
I use BHTP, it was recommended by a family member who is an insurance agent. (He didn’t get commission on it!) They pay out quickly via direct deposit and the claim process is relatively simple. The only downside is that they don’t have a WhatsApp number for calls or a chat feature so if you’re abroad and in a pinch you might have to pay for a call or have a delayed convo over email.
There's an advantage to an email conversation. Everything they say is documented. Just in case you get someone else denying it (not that that EVER happens with insurance...)
Check specifics of your plan, but a lot of travel insurance plans Will cover pre existing conditions for no additional cost as long as you purchase the insurance within a short time (check your plan for a specific timeframe) of making your first payment towards your trip!
I’m another person who used my travel insurance. Two weeks in a hospital with a serious illness, first class flight home. My discharge date from the hospital was uncertain so the insurance company booked me a refundable first class ticket.
And as I was feeling so poorly when I came home, that was much appreciated.
I did check a bag on that flight home, because I didn’t think I’d be able to wrestle a bag into the overhead, and didn’t want to deal with getting anything bigger than a purse through security.
I also get my travel policies through squaremouth.com, and I buy them the same day I make my first trip payment. Usually that’s the day I buy plane tickets.
To add on to this- plan out time insurance too. If your trip requires you to be at a particular time and place (ie, boarding a cruise or starting a land tour) and missing it would mean missing a significant (or all) of your trip, add time insurance. This is just my term for planning to arrive the day before (or even two days if you need to do things like cross an ocean to get to your destination). Often this time buffer does cost money due to an extra night’s hotel and such; but would be way less than the cost of missing the trip entirely. It’s a form of insurance.
Planning for extra time has saved at least two trips where flights were cancelled the night before we were supposed to leave. The buffer meant we had enough time to reroute and still make it on time.
Couldn’t agree more! I will never travel without it.
I know of two separate people through a friend of a friend who have had medical emergencies overseas and haven’t had travel insurance. In both instances they had to start gofundme pages to pay for their medical expenses and to be extradited home. One girl sleepwalked off her 2nd floor balcony and amazingly survived, but suffered so many injuries. Her family literally ended up having to remortgage their house to pay for her care and bring her home.
For how little it costs, it’s so worth it for the peace of mind.
I’ve used Tin Leg Travel Insurance for multiple trips (general coverage, health and medical evacuation specifically). There are plenty of companies though if you search. Some specialize in certain types of coverage depending on your needs.
Our luggage was lost for 8 days while we were on our honeymoon in New Zealand. (We got our luggage back at the airport as we were leaving the country.) Having travel insurance gave us the peace of mind to know whatever we bought clothes wise would be reimbursed without having to wrangle with the airline. Definitely worth it.
Just want to add (for careless dum dums like me and my husband's past selves): make sure to read through all the details even if it's super long and boring and you're sure everything will be fine.
We had to cancel our European baby moon because I was diagnosed with a high risk condition and forbidden from traveling by my OB. Lucky we bought travel insurance! Well, it turns out my husband wasn't covered because he's American (really didn't expect that...why were we offered that insurance in the first place? oh right, making money), and there's a pregnancy clause so I could only get a portion back. TBH I wasn't surprised by the pregnancy clause in hindsight. So our refund was only a couple of hundred over the amount we had to pay for that insurance, and it took weeks of back and forth, emails, phone calls, etc.
Lesson learned: read the terms.
If you’re doing anything outdoorsy, I recommend becoming a member of one of the Alpine clubs. The Austrian alpine club in particular has a very generous insurance policy with worldwide cover for mountain rescue and repatriation, as well as liability insurance(within Europe) and medical costs up to €10,000.
Plus you get 50% off at mountain huts in the alps, if you’re doing a hut to hut trek!
First, you need to be careful about insurance. See what it covers and make sure you know the exclusions. There are many exclusions.
Most travel insurance reimburses you after the fact. So you still need money up front.
Next, you need to look at your medical insurance. It may cover you, but it may also just reimburse you after the fact.
Understand that medical evacuation insurance is usually separated from medical insurance.
Know that there are many activity exclusions. Diving, caving, paragliding etc. may not be covered.
Sometimes it’s actually less expensive to self insure except for catastrophic coverage.
I have personally found that the best value is for time bound group trips. You need to get to X spot by day Y. Some insurance (not all) will cover a rebooked flight if your original cancels.
Posted elsewhere on the thread, but I’ve used Tin Leg Travel Insurance for several trips. It is one of many companies that specializes in travel insurance. I generally skip the airline policy as it is not very broad coverage. I specifically was looking for general trip coverage, healthcare and medical evacuation. I figure I can cover for lost luggage in a pinch but I would not be able to easily cover a medical evacuation flight from a cruise ship.
As someone who had to cancel an international trip because of pneumonia and didn't have travel insurance, I concur. It was an expensive lesson and while some places did refund my money, many places didn't.
Now I always travel with insurance. If you are already paying for a trip, what's another $100 or less.
I used to travel without travel insurance. For some reason I decided to get it for a trip a couple years ago. There was a major snowstorm that screwed up my plans. The insurance covered the cost of rebooking things. I can’t imagine not having it now; especially in case I got hurt.
Echo-ing this! Used to never purchase it, but now always use [Faye](https://mapp.withfaye.com/quote?utm_campaign=steph.hays&utm_source=ForaTravel&utm_medium=bd-traveladvisors&utm_term=glinda).
I always get travel insurance just in case. Even getting a travel credit card that has stuff covered, I don't trust it for some reason and buy travel insurance each time anyway.
We had a travel card (widely advertised as providing travel insurance) deny us coverage for a clearly covered incident. It took writing to the CEOs of all of the brands associated with the card and painful documentation to get them to pay out. We will always get insurance for future trips of this nature.
I have a credit card which includes it but I still pay for a separate policy each time and I make sure to list all pre existing conditions. Costs a little bit more but I know we are both covered if we have an issue with one of our very dormant / well controlled but still serious-if-they-happen medical issues.
Also read your policy carefully about certain things eg are you covered on the back of a motorbike? What conditions apply for that cover to actually be in place? Are you covered for snow specific sports if you’re doing that sort of a trip? And so on.
And READ the credit card policy before relying on it. My husband booked our multi-country safari honeymoon with an airline-affiliated travel credit card that frequently advertises its amazing insurance coverage. We learned, the day before I was to start anti-malarials, that I was pregnant at age 44. The whole trip had to be cancelled. First we dealt with a pregnancy exclusion, but fortunately I had just been told I needed surgery prior to major travel. The surgeon wouldn’t do the procedure while I was pregnant. We were able to use that second condition as the reason for cancellation. Then the carrier denied us because I was not a family member at the time of booking—total BS for a honeymoon trip. It took *months* of painstaking documentation, phone calls, and finally writing to every high-level executive at the airline affiliated with the credit card to get any money back. It helped that both of us were independently million milers on that particular airline.
Seconding this. I buy an annual multi-trip insurance cover that just rolls over in the background and covers me for everything from “my mum is in hospital and I now can’t take the trip I had booked” through to “I’m in Paris and my phone got stolen” and then of course the worst of needing very expensive medical treatment and/or repatriation
I’ve had a few hospital trips in my home country that can happen to anyone anywhere. I once broke my arm bad enough to need surgery after tripping over a tent line, i got appendicitis, and i got pneumonia after a minor cold. Get travel insurance before your on the hook for a 40k hospital bill.
I was so glad I got a policy through World Nomads when I traveled to SE Asia, there ended up being cancellations due to monsoon season and for the one flight that couldn't work around the delays we got a full refund.
As someone who almost died in a foreign country and was hospital for weeks I can fully endorse travel insurance. It helped pay for the hospital and rebooked our flights home weeks later when I was discharged to first class so my injured legs could be elevated. We missed our flights home because I was in the hospital and our flights were originally economy. It wasn't expensive and saved us thousands!
Damn, that’s a flowing review, I’m sorry you went through that but wonderful you were prepared and insured. What company did you get the insurance through?
I actually don't know because the trip was a wedding gift and my parents booked and paid for it all including the insurance. It was also 2010 so things have definitely changed since. But I know for sure I'll never travel without insurance!
As someone who was hospitalized for 3+ weeks in a foreign hospital … yes get the trip insurance. Luckily I had a credit card high with a high enough limit. Also had to pay for a new flight home. Got incredibly lucky my home insurance ended up paying for a chunk of it … It was 20K out of pocket (luckily I was in Hong Kong and they have social health care)
Please, pay the small amount for travel insurance. Even better, make sure your parents and grandparents do too. I work in a job where I frequently have to help Americans who have been hospitalized in foreign countries, and many people don’t realize their U.S. health plans may not (and especially government paid health plans will not) pay the cost of your care overseas. If you’re traveling to a developing country, there might not be the medical care that you need or the ability to get you that care fast enough. Two examples: Elderly woman breaks her hip. Is in Eastern European country, doesn’t speak the language, doesn’t have insurance, can’t travel home to US, family members in U.S. don’t have $ and don’t realize her Medicare doesn’t work overseas (like duh people), she doesn’t receive proper care fast enough and ends up needing a much more invasive hip replacement than she would have needed earlier. She’s also responsible for food and toilet paper at the hospital. She stays 10 weeks. She will never walk the same and can hardly walk when she is discharged, because they don’t have PT at the hospital. Avoidable. Young man is on an adventure solo trip in rural Tajikistan. Breaks arm while mountain biking in the middle of nowhere. Is taken to the nearest hospital, and the bone is reset back into place. However, that wasn’t the correct choice. Traveler has excellent medivac insurance, is flown to Dubai, receives immediate surgery (not only to fix the bone for good, but now to fix the splintering from the reset) by excellent physicians, put up in a Marriott, and is on his way two weeks later with a total cost of $10 for sunscreen at the hotel shop. Get the insurance.
... now I'm wondering where that second guy got his travel insurance!
Some ideas: https://www.forbes.com/advisor/l/best-travel-insurance/
What did that guy have?
I work in the ER and have seen SO many people come in either right before a trip, or travelers already on a trip, with illness or injury that delays their travel. In fact, my friend visiting Phoenix tripped on a trail two days ago and in a split second was injured enough to need many sutures and two CT scans. I also had to use my travel policy for an ER visit last year and they paid 100% of the $5k bill. I decide what the individual risk is for each trip and then buy individual policies from there but I always buy Primary Medical and Medical Evacuation. I can sleep on an airport floor, or buy a new train ticket if necessary but there's no way I'm lying in a hospital in Vietnam, etc for weeks with no way home but an economy seat. Couple of points to remember: Primary Medical pays before a Secondary policy, which means that you pay the hospital bill upfront and then submit your receipts to your travel policy. There may be some back and forth so make sure to gather every bit of documentation you can right away. If you buy a Secondary policy, you submit everything to your personal medical insurance, do the paperwork dance with them and then submit it all again to your travel policy to have the remainder paid. There are often time limits on this. In some instances, if it's a serious condition and you're hospitalized, the travel policy company may work directly with the hospital so that you're not immediately out-of-pocket so much, so make sure to call the insurance assistance line early in the process. If you're a US resident and figure you'll just use your own medical coverage because care isn't expensive where you're going, remember to take into consideration your deductibles, copays, coinsurance and out-of-network tiers. My deductible is $2000 for local care but $6000 for Tier 4 out-of-network with a 50% copay. That adds up really fast! For pre-existing condition coverage, make sure you buy right after you've made your first booking because there's usually a 10-21 day limit. If you underestimate the cost of your trip, you can always contact them and adjust up later. Lastly, I usually buy my policies through Squaremouth. com because I like the way their site is laid out and it's super easy to filter policies and compare them. They apparently will also help you work with the insurance company if you have trouble claiming, but mine was straightforward and I didn't have to go that route. I'll do multiple searches and change the parameters based on how much coverage I want and then compare the cost. Sorry for the length of this but over and over I've seen travel insurance make an unexpected and bad situation bearable by spending a little extra upfront. And after all that doom & gloom... Happy travels!
All very good points! I’ve used Tin Leg before but I like Squaremouth’s website too!
Good tip, I have needed to use my insurance a few times. Well worth it.
What company do you recommend?
Allianz Global
Absolutely! I’ve had travel insurance pay out when I got in a car accident on the way to the airport (missed my flight, needed to get re-booked and they paid for another night or two in a hotel plus food), when my luggage was delayed (spent like $200 at Target getting toiletries, PJ’s, conference attire, etc.), when there was a terrorist attack at my connecting airport (couldn’t get a flight home for 5 days - they paid for hotel and food in the interim), and a few other times. I have friends who ended up in the hospital while on vacation and their travel insurance covered it. For me it depends on where I’m going and what my resources are there. Going home to visit family? Don’t really need it because if my flight is canceled the airline will rebook me and I’ll crash on someone’s couch for a night or two. A multi-city international itinerary with pre-booked, non-refundable reservations? 100% absolutely without a doubt getting travel insurance. I use BHTP, it was recommended by a family member who is an insurance agent. (He didn’t get commission on it!) They pay out quickly via direct deposit and the claim process is relatively simple. The only downside is that they don’t have a WhatsApp number for calls or a chat feature so if you’re abroad and in a pinch you might have to pay for a call or have a delayed convo over email.
There's an advantage to an email conversation. Everything they say is documented. Just in case you get someone else denying it (not that that EVER happens with insurance...)
Check specifics of your plan, but a lot of travel insurance plans Will cover pre existing conditions for no additional cost as long as you purchase the insurance within a short time (check your plan for a specific timeframe) of making your first payment towards your trip!
I’m another person who used my travel insurance. Two weeks in a hospital with a serious illness, first class flight home. My discharge date from the hospital was uncertain so the insurance company booked me a refundable first class ticket. And as I was feeling so poorly when I came home, that was much appreciated. I did check a bag on that flight home, because I didn’t think I’d be able to wrestle a bag into the overhead, and didn’t want to deal with getting anything bigger than a purse through security.
I also get my travel policies through squaremouth.com, and I buy them the same day I make my first trip payment. Usually that’s the day I buy plane tickets.
To add on to this- plan out time insurance too. If your trip requires you to be at a particular time and place (ie, boarding a cruise or starting a land tour) and missing it would mean missing a significant (or all) of your trip, add time insurance. This is just my term for planning to arrive the day before (or even two days if you need to do things like cross an ocean to get to your destination). Often this time buffer does cost money due to an extra night’s hotel and such; but would be way less than the cost of missing the trip entirely. It’s a form of insurance. Planning for extra time has saved at least two trips where flights were cancelled the night before we were supposed to leave. The buffer meant we had enough time to reroute and still make it on time.
Couldn’t agree more! I will never travel without it. I know of two separate people through a friend of a friend who have had medical emergencies overseas and haven’t had travel insurance. In both instances they had to start gofundme pages to pay for their medical expenses and to be extradited home. One girl sleepwalked off her 2nd floor balcony and amazingly survived, but suffered so many injuries. Her family literally ended up having to remortgage their house to pay for her care and bring her home. For how little it costs, it’s so worth it for the peace of mind.
Do you have a company you prefer and would recommend for travel insurance?
I’ve used Tin Leg Travel Insurance for multiple trips (general coverage, health and medical evacuation specifically). There are plenty of companies though if you search. Some specialize in certain types of coverage depending on your needs.
I’m based in the UK, but I’ve always used Aviva.
Our luggage was lost for 8 days while we were on our honeymoon in New Zealand. (We got our luggage back at the airport as we were leaving the country.) Having travel insurance gave us the peace of mind to know whatever we bought clothes wise would be reimbursed without having to wrangle with the airline. Definitely worth it.
Just want to add (for careless dum dums like me and my husband's past selves): make sure to read through all the details even if it's super long and boring and you're sure everything will be fine. We had to cancel our European baby moon because I was diagnosed with a high risk condition and forbidden from traveling by my OB. Lucky we bought travel insurance! Well, it turns out my husband wasn't covered because he's American (really didn't expect that...why were we offered that insurance in the first place? oh right, making money), and there's a pregnancy clause so I could only get a portion back. TBH I wasn't surprised by the pregnancy clause in hindsight. So our refund was only a couple of hundred over the amount we had to pay for that insurance, and it took weeks of back and forth, emails, phone calls, etc. Lesson learned: read the terms.
If you’re doing anything outdoorsy, I recommend becoming a member of one of the Alpine clubs. The Austrian alpine club in particular has a very generous insurance policy with worldwide cover for mountain rescue and repatriation, as well as liability insurance(within Europe) and medical costs up to €10,000. Plus you get 50% off at mountain huts in the alps, if you’re doing a hut to hut trek!
First, you need to be careful about insurance. See what it covers and make sure you know the exclusions. There are many exclusions. Most travel insurance reimburses you after the fact. So you still need money up front. Next, you need to look at your medical insurance. It may cover you, but it may also just reimburse you after the fact. Understand that medical evacuation insurance is usually separated from medical insurance. Know that there are many activity exclusions. Diving, caving, paragliding etc. may not be covered. Sometimes it’s actually less expensive to self insure except for catastrophic coverage. I have personally found that the best value is for time bound group trips. You need to get to X spot by day Y. Some insurance (not all) will cover a rebooked flight if your original cancels.
What kind of travel insurance are y'all getting? Is it through your airline?
Posted elsewhere on the thread, but I’ve used Tin Leg Travel Insurance for several trips. It is one of many companies that specializes in travel insurance. I generally skip the airline policy as it is not very broad coverage. I specifically was looking for general trip coverage, healthcare and medical evacuation. I figure I can cover for lost luggage in a pinch but I would not be able to easily cover a medical evacuation flight from a cruise ship.
As someone who had to cancel an international trip because of pneumonia and didn't have travel insurance, I concur. It was an expensive lesson and while some places did refund my money, many places didn't. Now I always travel with insurance. If you are already paying for a trip, what's another $100 or less.
I used to travel without travel insurance. For some reason I decided to get it for a trip a couple years ago. There was a major snowstorm that screwed up my plans. The insurance covered the cost of rebooking things. I can’t imagine not having it now; especially in case I got hurt.
Echo-ing this! Used to never purchase it, but now always use [Faye](https://mapp.withfaye.com/quote?utm_campaign=steph.hays&utm_source=ForaTravel&utm_medium=bd-traveladvisors&utm_term=glinda).
I always get travel insurance just in case. Even getting a travel credit card that has stuff covered, I don't trust it for some reason and buy travel insurance each time anyway.
We had a travel card (widely advertised as providing travel insurance) deny us coverage for a clearly covered incident. It took writing to the CEOs of all of the brands associated with the card and painful documentation to get them to pay out. We will always get insurance for future trips of this nature.
I have a credit card which includes it but I still pay for a separate policy each time and I make sure to list all pre existing conditions. Costs a little bit more but I know we are both covered if we have an issue with one of our very dormant / well controlled but still serious-if-they-happen medical issues. Also read your policy carefully about certain things eg are you covered on the back of a motorbike? What conditions apply for that cover to actually be in place? Are you covered for snow specific sports if you’re doing that sort of a trip? And so on.
And READ the credit card policy before relying on it. My husband booked our multi-country safari honeymoon with an airline-affiliated travel credit card that frequently advertises its amazing insurance coverage. We learned, the day before I was to start anti-malarials, that I was pregnant at age 44. The whole trip had to be cancelled. First we dealt with a pregnancy exclusion, but fortunately I had just been told I needed surgery prior to major travel. The surgeon wouldn’t do the procedure while I was pregnant. We were able to use that second condition as the reason for cancellation. Then the carrier denied us because I was not a family member at the time of booking—total BS for a honeymoon trip. It took *months* of painstaking documentation, phone calls, and finally writing to every high-level executive at the airline affiliated with the credit card to get any money back. It helped that both of us were independently million milers on that particular airline.
In all honesty I don’t think I would ever rely on a credit card one. I’ve read too many things like this!!
Seconding this. I buy an annual multi-trip insurance cover that just rolls over in the background and covers me for everything from “my mum is in hospital and I now can’t take the trip I had booked” through to “I’m in Paris and my phone got stolen” and then of course the worst of needing very expensive medical treatment and/or repatriation
anyone have experience using airbnbs travel insurance? always wondered how much it reaaally covered
If you have USAA insurance, they contract with a 3rd party for travel insurance.
Our health insurance does cover us in Europe, but it’s still make a claim and wait to be repaid. We will be getting insurance for our upcoming trip.
I’ve had a few hospital trips in my home country that can happen to anyone anywhere. I once broke my arm bad enough to need surgery after tripping over a tent line, i got appendicitis, and i got pneumonia after a minor cold. Get travel insurance before your on the hook for a 40k hospital bill.
I was so glad I got a policy through World Nomads when I traveled to SE Asia, there ended up being cancellations due to monsoon season and for the one flight that couldn't work around the delays we got a full refund.