(Closed) Trip Insurance- yay or nay?

posted 6 years ago in Travel
  • poll: Should we get Trip Insurance
    Yes, better safe than sorry : (32 votes)
    68 %
    Skip it : (15 votes)
    32 %
  • Post # 3
    Member
    213 posts
    Helper bee
    • Wedding: June 2013

    I suppose better safe than sorry is the best policy…but my Fiance backpacked in SE Asia for 5 months and never used it. Ya never know though!!

    Post # 4
    Member
    163 posts
    Blushing bee
    • Wedding: October 2012

    I originally wasn’t going to buy the insurance for our honeymoon (Costa Rica in December), but did after thinking about it.  Not sure where you are leaving from, but my travel agent made a good point about weather and what happens if we can’t get out because of a snow storm here at home.  If it wasn’t for that, I wouldn’t have spent the little bit of money.  (Even if we are sick, we are going.)

    Post # 6
    Member
    2239 posts
    Buzzing bee
    • Wedding: October 2012

    I voted yes just because you’d be leaving in December and snow could potentially mess with your flights out.  So, that’s the only reason I could think of

    Post # 7
    Member
    10288 posts
    Sugar Beekeeper
    • Wedding: October 2011

    I’ve never gotten trip insurance for any vacation I’ve taken and have never run into any problems but it wouldn’t hurt to get it. We’re booking our anniversary trip to Mexico this week and not getting insurance. 

    Post # 8
    Member
    127 posts
    Blushing bee
    • Wedding: October 2012

    There are so many loopholes and it is very difficult to get them to pay out claims. Some of the things Travelosity covers are already covered, in greater amounts, by the airlines. Check out http://www.insuremytrip.com/

    Post # 9
    Member
    8357 posts
    Bumble Beekeeper

    The point of trip insurance isn’t to use it but for it to be there in case you need it. Medical emergencies in a foreign country can leave you considerablly out of pocket and also stranded in a medical facility with non western equipment/standards. I mean if you got appendicitis would you want to be treated in the state of the art hospital in the capital city of the country you are in or the local under funded hospital/clinic? It is also there incase of unexpected environmental disasters and civil unrest.

    A friend had no insurance in SE Asia and broke his arm (tripping over his own feet no less)- not only did it cost him about $1000 for medical attention but he had to get is arm rebroken when back home because it wasn’t set correctly.

     

    Post # 10
    Member
    3266 posts
    Sugar bee

    It depends to me on what kind of insurance you are talking about.

    If you are talking medical insurance, then hell yeah.  I wouldn’t go anywhere withouth travel insurance incase you ever got seriously injured and had to be airlifted home or something.

    But cancellation/interuption I never book.  Cancelation and interuption are usually very specific and difficult conditions to meet.  Like a death in the family has to be an immediate relative (mom, dad, sibling), not granny, aunts, uncles etc.  And honestly if my mom dies, I will not care about a trip or the thousand bucks I would be out.  I would have much bigger issues.

    Most plans don’t cover a snow storm making it hard for you to get to the airport, or a broken leg (only if you are medically unable to travel, and you need a note).  So i ususally figure I am going no matter what.

    Post # 11
    Member
    1038 posts
    Bumble bee
    • Wedding: October 2012

    @j_jaye:  Exactly!  We plan on doing lots of outdoor adventure stuff on our honeymoon(mountainbiking, ziplining, rafting, diving, etc).  Any of those have the potential to cause some serious injuries.  You do not want to have inadequate medical coverage in a foreign country.  I mean it’s nice knowing your luggage will be replaced if lost and your flights covered, but the real sense of feeling safe should be knowing you are covered if you get hurt.

    Post # 12
    Member
    1963 posts
    Buzzing bee
    • Wedding: January 2013

    @andielovesj:  This! Looks at what it actually covers before buying.Medical trip insurance is a great idea. If you were heading somewhere tropical during hurricane season then cancellation/ interruption would probably be a good idea, but it looks like you will be going in winter?

    Post # 13
    Member
    44 posts
    Newbee
    • Wedding: September 2012

    I agree, trip insurance for cancellations can be very specific about what they cover.. for example we got trip insurance which covered acts of nature.. But when there was a huge storm we found out it didn’t cover floods.. But it didn’t say that in our insurance pamphlet because that is a short version of a very long insurance agreement.. And if you have your own health insurance you don’t need theirs.. Also, if you pay with a credit card they have a lot of protection they give you automatically.. I never book insurance anymore!

    Post # 14
    Member
    1920 posts
    Buzzing bee
    • Wedding: March 2012

    Agree with PP. If you are looking at medical insurance then DEFINITELY get that. Cancellation insurance, I usually don’t get but you can get it to be safe. If you booked with a credit card though, check with your company. My credit card includes medical and cancellation insurance when I use my credit card to book the trip.

    Post # 15
    Member
    1038 posts
    Bumble bee
    • Wedding: October 2012

    @thenj9said:  And if you have your own health insurance you don’t need theirs

     

     

    Your own health insurance will usually NOT cover you if you are traveling overseas.  Also if you are on a cruise ship they usually won’t cover you if the ship is foreign owned(which is most cruise ships).  And even if you do have some coverage by your insurance they will certainly not cover you to be flown back home if you need more specialized care back home.

    Post # 16
    Member
    2889 posts
    Sugar bee

    What kind of insurance? I think of trip insurance to insure cancellation of a trip but there is also some conversation of medical insurance. I would make sure you have medical coverage either through your policy or through travel insurance.

    As far as trip insurance, see what it covers. We booked our honeymoon 9 months in advance for a trip to/from hurricane regions during hurricane season and bought insurence to cover cancellation for any reason up until take off. This was more expensive than the insurance that only covers cancellation due to hospitilization/weather but gave us peace of mind. I usually don’t buy trip insurance but do carry travel insurance (medical) all year as I feel better safe than sorry on that side and my Darling Husband found a policy that had an annual rate which was about the same as a short term per trip policy. You really need to ask questions, read the information, and weigh your risks (what would stop you from getting on the plane? how much does the trip cost? what is the hotel cancellation policy? Can you buy a flex ticket for your flight for less money than insurance?) before making this decision. 

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