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Do I really want journey insurance coverage? That could be a query we frequently get from individuals earlier than they journey. We have had so many individuals inform us through the years 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 individuals have mentioned issues like “It actually relies on the state of affairs, I will simply come residence if I get sick or injured.”

surreal desert moments mountains

It is at all times an expertise to journey!

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 we now have used it.

Instances 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
3. I had a foul pores and skin an infection in Africa that turned onto cellulitis.
4.  had an excessive response to Malaria treatment in Asia
5. I had very unhealthy 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 assumed I used to be having a coronary heart assault!

All accidents and sicknesses required a go to to the hospital. Some have been reasonably priced, 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 Folks 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 fallacious

It’s true, an ER go to in different nations will 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 affordable.
Nonetheless, if we had one thing severe occur with out journey insurance coverage, we could possibly be out of pocket for hundreds of {dollars}.

Once we’re paying hundreds of {dollars} on flights and accommodations for a trip, journey insurance coverage is a pittance of the associated fee.

That small funding provides us peace of thoughts that we are going to be lined ought to we’d like emergency surgical procedure, a medical evacuation flight residence, or if we have to guide a lodge whereas certainly one of us recovers within the hospital.

Plus, there are a lot of bills that occur throughout an emergency that folks don’t learn 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.

 

air ambulance service

Dave is lastly on the air ambulance residence

I don’t perceive why individuals assume that simply because they’re on trip, a severe sickness or damage received’t occur.

We’ve talked to individuals who have mentioned “I’ll simply fly residence if I get sick.” To begin with, flight adjustments are costly and except you booked a versatile flight, they’re typically not changeable in any respect. Second there are specific emergencies that require fast 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 may lay down on a stretcher.

However we all know of even much less extreme circumstances.

Dave utilizing a scooter when he sprained his ankle in Eire

My brother as soon as broke his arm in Florida. One would assume that he may simply take care of the ache and fly residence and even make the 20-hour drive.

However the break was so unhealthy, that he needed to go on to the hospital. He was advised that he wanted fast surgical procedure at it was a very unhealthy fracture.

Everyone knows that journeys to the hospital in America will 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 regulation on the wheel after which find yourself with everlasting harm.

My brother doesn’t journey so much, however even he noticed the worth of getting insurance coverage.

He advised 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 {that a} life-threatening accident may occur at any time.

3. I do not want journey insurance coverage as a result of I am solely going away for a day or two

 

niagara falls road trip toyota

Hitting the Niagara Parkway for our street journey

Simply because we’re taking a brief journey, it doesn’t imply we’re fully secure from having one thing occur.

We stay near the American border and drive throughout for day journeys on a regular basis. However we at all times have insurance coverage at any time when 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, we now have to drive this woman again to Canada so she will be handled with out having to pay!”

No means. 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 might by no means wait in line at immigration to return again residence for therapy. Attending to a hospital shortly is of the utmost significance.

In an emergency, timing is every little thing. One delay may price us our life or everlasting harm.

We by no means take the prospect.

4. I have already got journey insurance coverage with my bank card.

american express gold rewards card

Many bank cards supply journey insurance coverage however not all plans are created equal.

We’ve an important plan with our American Categorical 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 gives.

Earlier than we journey, we at all times verify 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 may not be lined.

When unsure, we at all times make the cellphone 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

brasada ranch deb


The reality is, possibly 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 just a few 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 demise within the household, harm to my residence or perhaps a automobile accident on the best way to the airport trigger me to lose your complete price of my journey.

Buddies of ours missed out on a visit to Cuba as a result of certainly one of them was hospitalized in an surprising medical emergency. They misplaced their journey and their cash and needed to wait one other yr earlier than they may journey once more.

Had they bought journey cancellation insurance coverage, this example may have been a lined purpose. However since they didn’t, they misplaced their funding and needed to save up one other yr to take their subsequent trip.

We additionally remind ourselves that simply because we now have journey insurance coverage, it doesn’t imply that we will cancel a visit as a result of we now have a headache or modified our minds. We be sure that to verify what the lined causes in our coverage are.

And at any time when 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 verify we’re lined. Like retaining receipts and different paperwork.

I really like this text itemizing the “5 Causes Your Journey Cancellation Insurance coverage Will not Cowl You” on the Allianz International Help web site. It actually gives essential factors to consider on our future travels.

6. I do not want journey insurance coverage as a result of I’m younger and wholesome

 

travel safety products

Backpacking requires further security


It’s tough to consider emergencies when you’re 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 may get in our means. Despite the fact that we at all times purchased journey insurance coverage earlier than our journeys, we by no means dreamed something may occur to us.

Till it did.

Think about our shock once we had a bike crash in Thailand and we each ended up with severe burns on our legs.

deb motorcycle

If we didn’t have insurance coverage, we most likely wouldn’t have gone to the hospital to have it cleaned and we undoubtedly would have gotten infections in that tropical warmth.

I do know first-hand what a severe an infection appears like and simply how severe it may be. After I had cellulitis in Africa, I may have misplaced my leg or my life. I had a small crash on my bicycle inflicting a lower in my leg.

Inside hours my leg swelled as much as twice its dimension and the an infection unfold at a fast price from my hip to my ankle.

Leaving a minor lower, scrape or burn in tropical situations can shortly flip to life-threatening accidents. Fortunately, we had insurance coverage each occasions and had docs deal with our accidents.

7. I Fly Carryon Solely, I don’t want Misplaced Baggage Insurance coverage

 

anti theft travel accessories dave airport

Hold your baggage secure on the airport

It’s a tragic however true reality of life theft occurs. Our carryon baggage has our Most worthy objects in it like cameras, laptops and different electronics.

If somebody stole my bag once I wasn’t trying, 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 just too massive for the aircraft. If we do find yourself checking our baggage and one thing occurs, I’d reasonably have some protection for delays so we will purchase just a few necessities to tie us over till our baggage arrives.

Typically baggage can fall out of an overhead bin and harm objects as nicely. Despite the fact that I’m touring carryon solely, accidents can nonetheless occur.

We like having peace of thoughts reasonably 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, we now have probably come throughout each state of affairs.

We’ve had fellow journey companions break a tooth and want dental surgical procedure, we now have been hospitalized, we now have wanted to be flown residence, we’ve pickpocketed and robbed, scammed and we now 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 every yr.

Disclosure: This submit is sponsored by Allianz International Help (AZGA Service Canada Inc.) I’m a model ambassador for Allianz International Help (Canada) and obtain monetary compensation.

do i need travel medical insurance?

For extra info on our journey insurance coverage experiences learn:

How We Select Journey Insurance coverage

Journey Security Suggestions – How you can Have a Protected and Wholesome Trip

One essential factor to notice is that the majority journey insurance coverage insurance policies and platinum card plans don’t embody medical evacuation protection, so it is best to undoubtedly contemplate buying a safety complement equivalent to Medjet.

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