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Travel Insurance..... Scam? (1 Viewer)
- Thread starter Mr.Pack
- Start date
Loan Sharks
Not a Wolf
Check your home owners policy it likely has some lost belonging coverage even out of the country.
Warsteinner
Footballguy
Like all insurance you pay for it in hopes you don't have to use it. It's not a scam, but in the small chance #### hits the fan, you bet your ### you wished you'd bought it.
technicaldifficulties
Footballguy
Get it. It's not that much. Broke a tooth off in Australia and it gave me $500 toward an implant. Another time, developed a cyst in Indonesia that followed me through India, Nepal, Japan, and China. My travel insurance took care of all of the doctors' visits and medicine for it.
James Daulton
Footballguy
technicaldifficulties
Footballguy
Baloney Sandwich
Footballguy
My wife and I purchased it for our honeymoon. My wife's ankle was cut badly by broken glass a week before we were to leave and we had to cancel the trip. Saved us $12K.
comfortably numb
Footballguy
Sabertooth
Footballguy
I'm going to let you in on a little secret. All insurance is a scam. That's why they have such huge buildings on every major city.
AAABatteries
Footballguy
I don't have any insight but curious - are you talking about insurance in case you can't go on the trip (like CN) or while on it? I could absolutely see the former - I would think the latter you'd already have some level of coverage.
$12k? I usually just have plane tickets and hotel reservations. You must have pre-paid for everything.
comfortably numb
Footballguy
Shutout
Footballguy
Insurance is an odd thing. Like, with life insurance, you are basically going up to a company and saying "I am betting I am going to die" and this company in a huge building is saying "We bet you won't...we'll take that bet".
In general, to the question at hand, If it's out of country travel, I prep by nailing down which cards I will use on the trip and make sure I get the international contact numbers in case something comes up and I plan my purchases through the cards (usually in advance and using the cards that have the protection built in).
If it is domestic, about the only time I buy any hedging insurance is for weather factors, such as if I were going to a beach in early off season and it's hurricane season.
In general, to the question at hand, If it's out of country travel, I prep by nailing down which cards I will use on the trip and make sure I get the international contact numbers in case something comes up and I plan my purchases through the cards (usually in advance and using the cards that have the protection built in).
If it is domestic, about the only time I buy any hedging insurance is for weather factors, such as if I were going to a beach in early off season and it's hurricane season.
Don Quixote
Footballguy
I usually only worry about it for the weather. Ireland is typically pretty safe. Probably the biggest risk is if some Icelandic volcano explodes and messes up flights.
Loan Sharks
Not a Wolf
Sabertooth
Footballguy
Or he went on a cruise. Or they bought first class airfare to China. Or any number of things. I agree I wouldn't buy it for most trips, but there are definitely good reasons to have it.
My wife and I are going to Antarctica next winter and you better believe we bought travel insurance. The insurance is to cover us in case we miss a flight or need emergency medical evacuation.
mr fancypants
Footballguy
They should check with their credit card company as rental car insurance is lot of times built in to the CC agreement.Mr.Pack said:
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I'm sure it depends on the CC. But my Amex will only cover loss and damage--which is a good deal for long term rentals because it's a per rental charge rather than the daily charge rental companies hit you with. But it doesn't cover liability which is a hell of a lot more important.
Johnny Rock
Footballguy
Ask Shuke.Galileo said:
RUSF18
Footballguy
jwb
Footballguy
We cruise yearly, and always in late Sept / early October (fairly active hurricane season). Cruises are funny in that refunds are near impossible. We typically buy "cancel for any reason" insurance (which also covers medical / evac / etc), and did have to use it once. Covered us with no questions asked.
Johnny Bing
Footballguy
I have an open claim right now with them. I’ll let you know how it goes.
Injury day of flight caused me to miss. Doctor information to support the missed flight but the flight was early AM where their customer service wasn’t open. One of the stipulations is to call and cancel, I’ll be curious if they hold to that or just give me the return flight.
Injury day of flight caused me to miss. Doctor information to support the missed flight but the flight was early AM where their customer service wasn’t open. One of the stipulations is to call and cancel, I’ll be curious if they hold to that or just give me the return flight.
squidrope
Footballguy
Had trip insurance and used it when I got a severe sinus infection while on med. cruise.
Car insurance in Ireland-->Rented a car there 5 years ago and there was some weird stuff regarding coverage. Not sure if it was my auto insurance wouldn't cover me there, or if CC didn't cover auto insurance as it does in most other countries.
Car insurance in Ireland-->Rented a car there 5 years ago and there was some weird stuff regarding coverage. Not sure if it was my auto insurance wouldn't cover me there, or if CC didn't cover auto insurance as it does in most other countries.
Short Corner
Footballguy
Get traveling insurance more medical emergencies. You'd be surprised at what you aren't covered for when traveling abroad and how fast treatment hits 5-6 figures. We have it and had to use it twice so far. Wife cracked a molar in Turkey, saved us 600 euros. I had an asthma spell in California that saved us $8k. I was motivated to get the policy when a coworker broke his collar bone kite surfing in Maldives and racked up 40k that he wasn't covered for.
shadyridr
Footballguy
Short Corner
Footballguy
Galileo
Footballguy
Nah...booked myself. The bulk of it is a cruise. The cruise company offers an insurance option as well, but rates are high. Plenty out there cheaper, just don’t know how well I trust them.
I guess I’ll just eenie meenie miny moe one of the cheap ones and hope I don’t ever need it
jwb
Footballguy
I'll ask my wife (I don't know) - might be right through the cruise line. But we make sure we get "cancel for any reason" - it's a little more money, but it did help us on a 5k cruise, so it worked out well.
