Should I Purchase Travel Insurance, Travel Tips

This is one of those age-old questions with no defive answer. It’s estimated that 30 ent of ns purchase travel insurance, which is a drastic increase since 9/11, when less than 10 ent of travelers were insured.

If you’re flying on a $150 ticket to see Aunt Irma in Wisconsin, you probably don’t need travel insurance. But on a trip such as yours, travel insurance can come in handy if something unctedly disrupts your trip. Your first step is to come the cost of the trip versus the cost of the policy.

The most common uations when travel insurance comes in handy are:

Your flight is canceled

Your passport and wallet are stolen

You require medical treatment while abroad

You need to cancel your trip due to illness

An uncted hits your destination

Your airline/cruise line/tour company go bankrupt

s NOT to purchase travel insurance are:

You’re afraid of terrorism

A is going to hit your destination (this applies if the storm has already been named by the National Weather Service)

Your pet is ill

Your flight is delayed for so long that you want to cancel

One major caveat: Never purchase travel insurance from the same tour operator or cruise line with which you’re traveling. If that company goes out of business, there may not be to cover your claim. Use a third-ty provider (that includes s).

Also, don’t forget about medical insurance. Even if you are covered for basic emergency care overseas, in almost all cases, your current health insurance does NOT cover you to evacuate you and fly you back to the U.S. Something called “Medical Evacuation and ” insurance comes in handy here. You pay a yearly fee, and if you get sick or injured overseas, the policy will get you treated, stabilized and flown back to the U.S. to the hospital of your choice, not theirs. There are a number of good companies that provide this type of plan, such as MedJet Assist.

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