Travel insurance for all-inclusive resort?

posted 6 years ago in Travel
Post # 3
Member
1572 posts
Bumble bee
  • Wedding: September 2013

ALWAYS get travel insurance, just in case something happens! A trip to the hospital for food poisoning, a cut foot or whatever else will cost a lot more in a foreign country than the cost of traveler’s insurance. When we went to Mexico last year, I think it cost something like $86.

Post # 4
Member
3569 posts
Sugar bee
  • Wedding: April 2013

@MsYankee:  Are you talking about the actual trip insurance? If so…

Get it. I’ve used it twice going to Mexico! Once because a hurricane was killing Cancun and once because the Swine Flu had basically shut Cancun down. It saved us a lot of trouble & money! We got it for our honeymoon, to Cancun.. we’ll get there one way or another! lol

Post # 5
Member
761 posts
Busy bee
  • Wedding: August 2011

I have been down south 4 times.  On 3 of these 4 trips, one (or more!) people from my group required a hospital trip.  On one trip, my friend and his wife had to travel by ambulance to the hospital for a broken arm, which would have cost him over $3000, but sine he bought insurance, it only cost $11.  You can bet there were relieved they invested!

Oh – an for all of the times I’ve known someone to require a trip to the hospital, all they were doing was hanging out on the beach or pool hopping…accidents happen, people get sick…get the insurance.

 

Post # 7
Member
9954 posts
Buzzing Beekeeper
  • Wedding: December 2012

There is Trip Insurance… and then there is Medical Travel Insurance.

Most retailers will sell you both either stand-alone or combined into a package.

Trip Insurance covers you for things like…

You have to cancel BEFORE you go… but after the deadline for getting your money back from the trip retailer (so you fall and break a leg, and decide you can’t go treking all over Mexico with a full leg cast… so you cancel your Holiday… and you get any money you otherwise would have forfeited back from the Insurance… so be that just a Deposit… or if you’ve paid for the full vacation.. ie you broke your leg 2 days before going on vacation)

Trip Insurance will cover any PRE BOOKED items… so the Resort, the Airfare, Rental Car etc.

Trip Insurance also will compensate you if stuff comes up while you are on vacation.  A flight is changed and you miss the connecting flight with a different airline.  If your luggage is lost or delayed.  Or if you have to leave your Destination to return home early (ie… someone dies)

Travel Health Insurance will cover…

Most health issues you have on your vacation.  So if you get sick or are involved in any sort of accident (be that taking a tumble on the cobblestones or in a bigger accident like one involving a car or bus).  Travel Health Insurance means you’ll be treated for your issues… and if need be transported (medical air lift) back to your home country for better medical attention (or god forbid if someone passes, they’ll repatriate the remains).

Getting Medical Attention… any sort of medical attention… is very very expensive… more so if you are out of your own country (with no regular coverage* from home) and find yourself on vacation at the mercy of whatever is available where you are.

IMO, it would be truly foolish to travel without any Health Insurance no matter what age the traveller

*NOTE – Some plans that people have back home will cover them to a certain extent while abroad.  So if you have any health coverage at home… it is important to check on what it will provide if you are travelling.

Personally, I have on occasion travelled without Trip Insurance (depends what kind of trip I’m taking… and what I am risking financially… the more my trip costs, the more likely I am to insure it)… BUT I would never travel without Travel Health Insurance… infact as Canadians we purchase an Annual Plan because we are outside of the country often enough (be that a few hours in the USA… or 5 Weeks out of Canada like our recent Pre-Wedding & Honeymoon trip)

YES there is an expense to Trip & Travel Health Insurance… but it is nothing compared to what you’ll pay if something goes wrong !!

If you need both items, the pricing is usually much better as a “combo”

And some Vacation Plans / Providers you can buy it directly from the supplier… and in those cases the coverage is usually quite excellent and the prices much cheaper (example… when we cruise I buy directly from the Cruise Line… cannot beat the coverage & the price)

Hope this helps,

 

Post # 8
Member
1069 posts
Bumble bee

I always get it regardless of where I’m going.

Post # 9
Member
3267 posts
Sugar bee

I never get things like cancellation insurance, as they are very limited in what they cover. You typically can’t cancel without either a death certificate of a parent or child or sibling, or medical certificate saying you are unfit to travel.

Medical insurance however is mandatory in my mind. Anything can happen, even being a beach bum. Beware though that most insurance plans do NOT cover scuba accidents. They are considered extreme sports (I disagree but insurance doesn’t care what I think). You can get scuba insurance though I think through DAN.

You should look into what coverage you already have through your employers health insurance, or through your credit card.

Post # 10
Member
8041 posts
Bumble Beekeeper
  • Wedding: December 2013

@MsYankee:  My work benefits automatically cover it, but before I had benefits (I paid my own through a different company) I always got it through my bank for every trip. It was quite inexpensive and actually came in handy when I was in Vegas a few years ago (I live in Canada), came down with strep throat, and the bill was over $300 for the doctor to come to my hotel room and give me antibiotics. It covered it all so I would say yes, it’s worth it. Even for peace of mind!

Post # 11
Member
216 posts
Helper bee
  • Wedding: June 2013

We bought trip insurance for our all inclusive honeymoon in August, In Mexico. It’s hurricane season so I wasn’t taking any chances.

Post # 12
Member
3569 posts
Sugar bee
  • Wedding: April 2013

@MsYankee: Ok, I’d still recommend getting it! We booked through Apple and it was $100 per person. Like I said, it saved our butts twice.. so to me it’s worth the money to have piece of mind. When I asked what the restrictions were on using the insurance to cancel, our travel agent said “If you decide you don’t like the way your hair looks, you can cancel.” Now that’s Apple Vacation’s policy, I’m not sure how others work. When we had to cancel our trips & reschedule them LAST MINUTE, literally the week of our trip, we weren’t charged anything and we switched flights & resorts with no problems.

Post # 13
Member
4436 posts
Honey bee
  • Wedding: April 2013

We never buy it separately, but when we make purchases on our Chase Sapphire Preferred credit card, it covers a ton of insurance stuff. It’s an awesome card! 

Post # 14
Member
2874 posts
Sugar bee
  • Wedding: March 2013

its definitely a good idea.accidents happen and medical costs can mount up

eg a few weeks ago(at sandos playacar, there for my wedding) the hotel bathroom floor was a bit wet after id dripped coming out of the shower which made it extremely slippery, i stepped back into the bathroom to put makeup on and went flying. massive bruise on my arm and only sheer luck that i didnt break anything. and that was day 1 without even leaving the hotel room haha

plus if you have to cancel, lost bags and whatnot. its always a very good idea!!

Post # 15
Member
1729 posts
Bumble bee
  • Wedding: June 2013

This thread was interesting, and I just asked my mom (who is in insurance and knows what’s a racket and what’s not). She said trip insurance is def worth it.

Now: her company doesn’t offer it. So…which company is the best one if you didn’t get it at the time of booking?

Post # 15
Member
1 posts
Wannabee

Baroness_Meg:  I agree – travel insurance is a great idea. The cost you gave sounds right if you only buy travel insurance. If you also buy trip cancellation coverage, add 4% – 6% of the trip cost to that amount.

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