Every year, travelers heading around the world spend hours in planning the perfect trip. Regardless of whether it takes them across the ocean or across continents, travelers pour over the smallest details in order to have the experience of a lifetime. However, the one thing that many travelers overlook is the possibility of becoming injured or ill while traveling far from home.
While random accidents can create a major problems for travelers, such is where travel insurance comes into play.
With a simple purchase ahead of a trip, travelers may be covered for unplanned incidents. Even with the best planning, certain types of destinations offer more inherent danger than others, leaving travelers with difficult decisions in the worst case scenarios.
As the saying goes: an ounce of prevention is worth a pound of cure. These are the three places you should not visit without purchasing a travel insurance policy first.
Cruise ship mishaps can result in big medical bills
Cruise ships can be a great way to see unique parts of the world by sea. In one vacation, travelers can experience multiple cultures across a multitude of experiences without having to shuffle between hotel rooms. With the good comes the bad: if a traveler were to become injured or ill while aboard a ship, their situation could come with a high price tag.
Even through travelers may still be in American waters, many American health insurance policies (including Medicare) may not cover medical expenses at sea.
Without travel insurance, those who get injured or ill aboard a ship may be responsible for covering their personal costs. According to Australian travel insurance provider Fast Cover, one of the most expensive claims aboard a cruise ship cost over $100,000 in 2015. Before embarking on the cruise of a lifetime, be sure to hold a travel insurance policy first.
Health insurance policies may not be valid in foreign countries
Traveling to a foreign country can be a culturally rewarding experience that can result in life long memories. Although many countries offer some form of national health care system, this does not mean that doctors are free to anyone in the country. On the contrary, some nations may only extend free health care to citizens, or may not see individuals outside of an emergency they can provide proof of payment. Furthermore, some countries require proof of travel insurance prior to entry.
When traveling to another country for any period of time, a travel insurance policy can make sure modern adventurers are adequately covered for injury, illness, or even emergency transportation home. Without a travel insurance policy, costs for an emergency evacuation via air ambulance can cost over $10,000, not counting additional costs for local treatment. It is never a wise decision to travel abroad without first holding a travel insurance policy.
Sports travelers do not want to be caught without travel insurance
Many travelers elect to see the world while engaging in their favorite sports or other hobbies. While some hobbies are relatively tame (like playing golf), other hobbies (like scuba diving or contact sports) can involve expensive equipment and come with notable risks.
For those travelers who are considering taking a sporting vacation, travel insurance is a must. In addition to the health insurance coverage that comes with most travel insurance plans, a good policy can also provide additional coverage for sports equipment checked to a final destination. Between all the situations that can go wrong, travel insurance can provide a strong investment in the worst case scenario.
Before departing for the perfect sports vacation, it is important to make sure your preferred activity is covered. Travel insurance policies often have limitations for high-risk activities, including contact sports, that do not allow for coverage without an add-on policy. Moreover, some policies may only offer coverage for certain checked items, but not participating in activities. With some policies, both situations can be alleviated through purchasing an additional hazardous activity waiver.
In any event, those who are planning to take part in sports activities should purchase a travel insurance policy.
While the world can be a wonderful place, adventuring without travel insurance can cost you in more ways than one. Prior to boarding your next vessel or checking your next bag, be sure to consider if travel insurance is the right choice for your next trip.