Travel insurance admittedly isn’t the most interesting realm of travel talk, making it subject to hearsay, rumors, and massive gray areas. All perpetuated due to a lack of discussion and by the insurance companies and travelers alike. Sure, getting travel insurance is easy, but finding out what’s covered and how to use it isn’t quite a clear cut and often full of disappointing surprises if you’re not prepared.
You might be asking what happens if your laptop is stolen or you break a leg in Qatar – to more grave situations like needing to go home or have someone make medical decisions for you.
Do I Need Travel Insurance?
There are two extremes in opinion when it comes to travel insurance from ‘never travel without it’ to ‘it’s a waste of money’. Usually those opinions are formed by people who’ve either had the need to use travel insurance, know someone close to them who has, or has been traveling for years without an incident. The truth is most people’s insurance needs fall somewhere in between. It’s an important question to ask, especially for longer trips, and should you get travel insurance is a topic I’ve covered in dept previously worth a gander.
Is Travel Insurance A Scam?
Insurance companies don’t exactly have the best reputations and the world of travel insurance tends to be murkier waters in general. There are, however, many legitimate travel insurance companies who offer short term coverage, extended travel plans, and those for expats permanently living abroad. The big names floating around are World Nomads, IMG, TravelEx, and HTH Worldwide comes recommended by fellow vagabond Sherry Ott.
How Much Does Travel Insurance Cost?
The answer to this question varies widely. In addition to the usual health insurance variables (age, drug requirements, etc.) travel insurance depends much upon which country you’re a resident of, where you’re going, and for how long. Generally speaking though, for a middle-aged single male or female, costs range from about $100-350 per month traveling to and from a range of countries.
What Isn’t Covered?
I can’t stress enough how important it is to read the fine print of any insurance policy as they vary quite a bit – generally speaking for routine travel insurance the following are NOT covered: preexisting medical conditions, prescription drugs, pets traveling with you (though there are policies that cover them), sexually transmitted diseases, and anything you do while drunk or high. Don’t get pregnant either. Also, every single policy has wording against you being stupid; be sure to check the exact definition.
Insurance companies also tend to try and make unpredictable events seem expected, wiggling their way out of reimbursement; usually they give you a 3 day window after calamity to cancel a trip. (Here’s how to decide just when to cancel travel plans.)
- What about electronics? Most companies cover cap claims between $500-2,500.
How Do You Actually Use Travel Insurance And File A Claim?
Typically you send an email, use an online submission form, or for more serious or involved claims make a phone call. You need to keep all of your receipts, doctor notes, and anything else that can prove what you’re claiming to the travel insurance company. This process can go smoothly but usually requires a bit of verbal jiu-jitsu so the more paperwork you accumulate the better. Knowing the details of your policy helps as well; you should use the fine print to adjust your terminology accordingly.
- I don’t mean that to say file a false claim, just make sure you use the best wording for your situation to get the most out of your coverage. Also, don’t volunteer information, let the insurance company do the asking and make your claim as soon after the incident as possible.
How About Getting Killed, Being Unconscious, Or Angry Bird Attacks?
Having spent a few hours on hold with various travel insurance companies I found out these basics for when things really go wrong or an ostrich pokes your eye out. (Again, it all varies. I’m just a guy on the Internet. Read and confirm each specific policy!) Basically, travel insurance acts as a secondary insurance to your existing coverage if you have health care back at home. Travel insurance covers the emergency abroad (hospital costs, etc.) and will usually get you back home if the doctors determine you need extensive care.
In the case you’re killed or unconscious for any length of time (hopefully not of course) the information on you is used to contact anyone they can find. Some allow you to designate an emergency contact but the general rule of thumb is to carry a policy print out clearly identifying at least the phone number and name of your insurance company back home. Also, don’t get close to ostriches.
The Details Are In The Devil
Most travel insurance companies post the details of their policies on their websites though often there are gray areas for your particular travel situation. The phone (or via Skype) is the best way to get the details you need. Stick with it, get names, and jot down policy numbers for the things you’ve learned in case you end up having to use them down the…or on the road.
[top photo by: Kathrin & Stephan (kiwi first aid), snejb (question mark), guntzooki (con artist), Images_Of_Money (pictures of currency), EdWohlfahrt (bottle of pills), Peter Prodoehl (telephone), dtaylorcreative (ostrich)]