- On Day 8, the scary subject of health issues while in another country is broached. Well, scary for Americans anyway. I don’t know how it is growing up in other countries, but in the ole’ U.S. of A., we are taught from an early age that we are the only ones who are educated properly, we alone have quality health care, and all other countries face a rampant amount of violent crime and natural disasters on a daily basis. Having traveled in other countries, including developing countries, I have realized that these views are not only extremely egocentric of us, but completely false. Having said that, I will not lie to you and say that I did not have a slight moment of panic when I was reading the Day 8 article and started thinking about what travel insurance/vaccines I should get. Haha even I, a reasonably well-seasoned traveler, can sometimes forget that quality medical care does in fact exist outside my home country. After remembering this, I quickly calmed down and easily picked a travel insurance that I feel confident will work for me in most circumstances. For anyone looking for information on pros and cons of travel insurance, here’s a quick lowdown on the insurance I’m probably going with.
- Super affordable (I plan to get a 6 month Explorer option, which is $386, and extend it on the road…you save about $400 when you do that rather than but the 12 month $1211 Explorer option, which is still a pretty good price compare to some others)
- Seems really easy to claim
- really easy to extend
- Explorer option covers adventure sports
- covers up to $500,000 for emergency or security evacuation
- covers $5,000 for trip cancellation or interruption
- covers $1,500 for trip delay
- covers $3,000 for baggage and personal effects loss
- covers $750 for baggage delay
- covers $35,000 for car rental collision coverage
- covers $100,000 for medical expenses, including emergency dental expenses
- Really only one major con for me…it does not cover pre-existing medical conditions, which is bad news for me, but may not be a big deal for you. Having said that, I have been hard pressed to find any affordable travel medical insurance plans that do cover pre-existing medical conditions.
So there you have it. Travel insurance. Get it. Because the second you don’t have it is probably when you’ll need it.