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Joined: Feb 2010
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Campfire Tracker
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OP
Campfire Tracker
Joined: Feb 2010
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I plan on doing a lot more traveling out of country and have been thinking travel insurance might be a good idea. I am looking for recommendations as well as pros and cons. Thanks
You've got to hand it to a blind prostitute
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Joined: Aug 2012
Posts: 5,433
Campfire Tracker
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Campfire Tracker
Joined: Aug 2012
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I bought an expensive nonrefundable airline ticket to Cali in late July for the trip I am currently on. Initially I didn't buy the trip insurance. But as people around me started to pick up the Covid and the fact I couldnt count on Cali to stay open I picked up the insurance in case I needed to cancel. I generally I don't buy it. I would consider buying it if I was flying or traveling somewhere where I couldn't get a refund if I had to cancel or if there was a chance of a weather event like a hurricane that might screw me up. Case by case basis for me.
Life can be rough on us dreamers.
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Joined: Feb 2007
Posts: 11,747
Campfire Outfitter
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Campfire Outfitter
Joined: Feb 2007
Posts: 11,747 |
I’ve traveled extensively and never spent a dime on insurance. With covid, I might consider it, but would the insurance apply in a covid situation?
NRA Patron
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Joined: Jan 2006
Posts: 69,245
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2006
Posts: 69,245 |
Insurance companies aren't stupid. There'll be riders attached. They'll cover themselves.
“In a time of deceit telling the truth is a revolutionary act.” ― George Orwell
It's not over when you lose. It's over when you quit.
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Joined: Sep 2010
Posts: 31,402
Campfire 'Bwana
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Campfire 'Bwana
Joined: Sep 2010
Posts: 31,402 |
I did on my first international trip due to complete and utter ignorance of what I was facing.
"I can't be canceled, because, I don't give a fuuck!" --- Kid Rock 2022
Holocaust Deniers, the ultimate perverted dipchits: Bristoe, TheRealHawkeye, stophel, Ghostinthemachine, anyone else?
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Joined: Jan 2010
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Campfire Ranger
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Campfire Ranger
Joined: Jan 2010
Posts: 23,530 |
depends on the price point and my personal risk
bought a cheap cruise for the kids, probably moderate risk they end up missing out, but it was so cheap I wasn't going to spend 1/5 of the cost on insurance.
bought a fairly expensive cruise to Alaska by my standards and bought the 75% insurance at about 1/10 the cost.
Cruises run on a tight schedule so I think there is added risk versus flying in and going to a hotel room.
I made sure to read the fine print to address what I thought was reasonable exceptions.
Last edited by KFWA; 09/24/21.
have you paid your dues, can you moan the blues, can you bend them guitar strings
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Joined: Apr 2011
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Campfire Savant
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Campfire Savant
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Posts: 150,880 |
Saved us money when I broke my ankle right before we went on vacation to Cozumel
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Joined: Jul 2020
Posts: 2,381
Campfire Regular
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Campfire Regular
Joined: Jul 2020
Posts: 2,381 |
Good luck if you end up injured by a “terrorist” or whatever “act of war”or anyone doing something illegally. Probably listed as an exception.
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Joined: Feb 2010
Posts: 6,112
Campfire Tracker
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OP
Campfire Tracker
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I plan on more fishing trips to Panama and maybea few other south Americancountries, I have no desire to go overseas so hopefully I don't have to worry about to much of the [bleep] that's going on over there. I am more concerned with covering cancelations of the trips and recouping some of the deposits
You've got to hand it to a blind prostitute
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Joined: Apr 2001
Posts: 2,677
Campfire Regular
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Campfire Regular
Joined: Apr 2001
Posts: 2,677 |
I always buy it when traveling abroad, primarily for health/hospitalization. Medicare and most private insurance does not cover issues abroad.
Trying to get cancellation refunds through separate travel insurance policies is not easy; they will fight you tooth and nail. I typically choose a cancellation benefit for about $40 when booking through an online ticket broker. Note: this is only if the airline cancels your flight; if one cancels for reasons of their own it's tough luck.
"The whole problem with the world is that fools & fanatics are always so certain of themselves, and wiser people so full of doubt" Bertrand Russell
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Joined: Jul 2009
Posts: 1,474
Campfire Regular
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Campfire Regular
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My wife and I used to spend 3 mos each year in Guatemala and our health insurance would not cover anything there.
So yes we bought insurance to cover us in case something happened. Never had to use it and were thankful for that.
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Joined: Sep 2020
Posts: 600
Campfire Regular
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Campfire Regular
Joined: Sep 2020
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Are you talking about trip cancellation insurance or medical insurance outside the US?
Trip cancellation insurance could be worthwhile for a very costly trip that is at risk due to your personal circumstances. I looked into it for one trip that was going to cost me 5-figures. It turned out to be difficult because of the complexity of my itinerary, and the covered reasons were not inclusive enough. Since it was a domestic trip, I did not regard the medical coverage.
For international travel, you might compare policies that are medical insurance that don't include trip cancelation -- something like what Ex Pats and long-term travelers use.
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Joined: Dec 2013
Posts: 44,009
Campfire 'Bwana
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Campfire 'Bwana
Joined: Dec 2013
Posts: 44,009 |
I always buy it when I go out of the country for any length of time. Especially when the health insurance won't cover you overseas. Plus you get your flight back guaranteed, if necessary.
Slaves get what they need. Free men get what they want. Rehabilitation is way overrated. Orwell wasn't wrong. GOA member disappointed NRA member 24HCF SEARCH
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Joined: Feb 2010
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Campfire Tracker
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OP
Campfire Tracker
Joined: Feb 2010
Posts: 6,112 |
Thanks for the input, I was looking for trip cancelation insurance it sounds like my trip isn't expensive enough to make it worthwhile. I haven't thought to see what my health insurance coverage is out of country. That's something I will definitely check out
You've got to hand it to a blind prostitute
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Joined: Jun 2016
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Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2016
Posts: 9,562 |
Lots of loop holes, stipulations in place in the policies that only you can scrutinize & decide on.
Friends flying to Ca. to board a cruise sip to Alaska, touring there, flying home. First leg of the trip, TSA found a prohibited item in their carry on & detained them. That caused them to miss the flight & every following connection. Ins. wouldn't cough up a dime for any of it.
An extreme circumstance maybe, but just a loop hole IMO.
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Joined: Dec 2005
Posts: 10,252
Campfire Outfitter
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Campfire Outfitter
Joined: Dec 2005
Posts: 10,252 |
My first Amperlamps ride and visit to an ER was during an Alaskan Cruise..............
Travel Insurance covered EVERY out of pocket Dime and reimbursed/prorated fare for BOTH the wife and I(3 days each) while I was quarantined............
I'll never travel without it....
"...A man's rights rest in three boxes: the ballot box, the jury box and the cartridge box..." Frederick Douglass, 1867
( . Y . )
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Joined: Sep 2009
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Campfire Regular
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Campfire Regular
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It all depends on what type of trip and how much it costs. I've purchased travel insurance many times and only once had to use it. In that case I had a problem with my retina at the last minute, and had to cancel a dive trip, and the insurance covered all the travel costs. If you're going somewhere really remote then you want evacuation coverage like Ripcord.
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Joined: Nov 2002
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Campfire 'Bwana
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Campfire 'Bwana
Joined: Nov 2002
Posts: 33,653 |
I have used trip cancellation insurance and an evac policy a few times. I don't recall the trip but my bank covered the cost of the flight, no questions.
Conduct is the best proof of character.
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Joined: Feb 2010
Posts: 16,058
Campfire Ranger
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Campfire Ranger
Joined: Feb 2010
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I never bought it until last year. We were going to Cody, Wyoming. I’m glad I did. I got an email stating my connecting flight from Denver to Cody had been cancelled. Nobody at Travelocity saw a problem with me flying to Denver and having a room and car rented in Cody. It was a headache, but I got nearly all my money back. I doubt I would have without the insurance.
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Joined: May 2008
Posts: 25,418
Campfire Ranger
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Campfire Ranger
Joined: May 2008
Posts: 25,418 |
In this day and age I’d always buy travel insurance for big trips or expensive vacations. If traveling out of country I’d also buy travelers health insurance. Having to be lifeflighted from the Congo to Germany can get spendy. 😉. I have never needed it but it’s damn cheap compared to the alternative and it’s great peace of mind.
�Politicians are the lowest form of life on earth. Liberal Democrats are the lowest form of politician.� �General George S. Patton, Jr.
--------------------------------------------------------- ~Molɔ̀ːn Labé Skýla~
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