Travel Insurance: What do I need?

Travel Insurance:  What do I need? | OneTravel

 

 

In last week's post, I talked about the realities of needing travel insurance when taking a vacation or extended holiday. The facts are that many people will not need to use it, but for those that do, it could be a complete game changer.

This week, I'd like to explore the different kinds of travel insurance on the market as it can be confusing for those that never considered it before.  The first thing everyone must do is check with their current health insurance provider to see what, if anything, might be covered on your adventures abroad.  It might be as simple as paying a few more dollars a month to get the proper coverage. Otherwise, supplementing your home country's insurance plan with travel insurance may be necessary.

Explore the various types of coverage


In the world of travel insurance, there are plans that cover trip interruption, medical care, baggage and belongings and emergency evacuation. It's an uncertain world out there and when you're on the road, there are times when you want your plan to contain all of these different areas of coverage.

Trip Interruption coverage helps you out if, as the name suggests, your trip gets interrupted. Whether it be because you fell extremely ill and couldn't fly, or your airline goes out of business, there are generally plane tickets, hotel rooms, and tour bookings that might be missed, and cancellations often come with fees or non-refundable days. Trip interruption coverage helps to alleviate these unexpected fees.

Medical coverage abroad is probably the most significant form of travel insurance as accidents and illness overseas can easily rack up some bills. Just be sure to double check that the insurance kicks in if you happen to get injured while participating in adventure or sport activities, which is a sector sometimes not included.

Baggage
and belongings coverage means the insurance will help to cover the costs of replacing items that might have been lost by airlines, stolen while traveling or just damaged in the process.

Emergency evacuation coverage might be something you don't think you'll need, but if you plan to travel to poorer countries or to remote destinations, then having this can be a lifesaver, literally.  If you are injured in a remote location and need to be flown to a hospital, emergency evacuation can help with the otherwise exorbitant fees.  If you come down with a bad injury or illness and are in a location with insufficient health care, the coverage can also help to transfer you somewhere better.

Where to look for travel insurance


You can purchase travel insurance from many health insurance providers, or you can look to travel insurance focused companies like World Nomads.

In addition, credit cards often cover a certain level of travel insurance if you happen to book most or all of your travel on the card.  Be sure to call your credit card company to find out details as all cards vary. These variations include different amounts of medical coverage, what types of belongings are covered and trip length.

Furthermore, believe it or not, your homeowner's insurance might also play a part in your travels. Some policies will cover your possessions under the policy even while abroad.

I hope that helps you in understanding travel insurance a bit better. Happy and safe travels to you all!

 

Like us on Facebook for more tips on insurance on other traveler's tools! 

Post your Comments












Book with OneTravel

  • Flights
  • Hotels
  • Cars
From:
To:
Click here for calendar
Time:
Click here for calendar
Time:
Adults:
Seniors: (65+)
Children:(2-11)
Infants on lap:
Infants on seat:
Class:
Save on Bookings with 3+ pax
or hotel stays of 3+ nights
this month withSM25

RecentPosts

  • A Dinner Table Mouthful! How to Say 'Bon Appétit' in 15 Languages Across EuropeComments: 0Rating: 0 / 0


  • By:Suzy Guese, last post 17 Nov 2014
  • The French phrase, “Bon appétit,” is often used as a substitute for the lack of an English phrase of the same meaning. While you might hear, “Enjoy your meal,” Bon appétit is one of the most common ways of greeting someone before they chow down. As most of the country gets ready to have a Thanksgiving feast, in case you have a few at your table who don’t speak English or French for that matter, it is useful to know how to wish someone a good meal in some of France’s neighbors. Here’s how to say essentially, “Good appetite,” in 15 European languages....read more

  • Switzerland Celebrates 150 Years of Winter TourismComments: 1Rating: 0 / 0

    1
  • By:Chris Osburn, last post 17 Nov 2014
  • Mention Switzerland and most people immediately dream of skiing in the snowed Alps. And that’s just as many folks from there would like you to think of their beautiful home. Indeed, there’s consensus among the Swiss that their country is the original destination for cold weather fun — and that this coming season marks the 150th anniversary of winter tourism....read more

  • The Next New York Obsession: MeowParlour Cat CaféComments: 0Rating: 0 / 0


  • By:Danielle Thillet, last post 15 Nov 2014
  • The Internet loves two things: coffee and cats. It just seems natural that these obsessions should combine. While cat cafés are not a new concept in many Asian countries, the phenomenon had not yet made permenant residence in the United States - until now. New York as always been a hub for ideas from different cultures to merge together, and next month, the Big Apple will have its very first cat café: MeowParlour....read more

  • Celebrate Claude Monet’s BirthdayComments: 0Rating: 0 / 0


  • By:Chris Osburn, last post 14 Nov 2014
  • Claude Monet was born November 14, 1840 in Paris and died December 5, 1926 about 75 kilometres from Paris in his home at Giverny, Normandy. During his prolific career as an artist, he painted hundreds of works of art with a passion to capture his impressions of the French countryside and beyond. With works by the beloved artist and founder of French Impressionism on view across the globe (literally there are numerous “Monets” in museums and galleries on every continent except Antarctica) what better way to celebrate the painters 174th birthday than enjoying the many gifts he left to art lovers?...read more

  • Art in DallasComments: 0Rating: 0 / 0


  • By:Jen Westmoreland Bouchard, last post 13 Nov 2014
  • One of the first things I do when I’m planning a visit to a new city is research the art scene. I was pleased to learn that Dallas has a vibrant and impressive arts community, and is home to several world-class institutions. Here are three places that art lovers should check out the next time they are in the Big D. All of these museums are all located within the Dallas Arts District....read more