Travel Insurance Mistakes You're Making - Tips to Stay Covered!
Summary
TLDRThe transcript shares a detailed account of personal experiences with travel insurance, emphasizing its importance as a safety net for unexpected travel mishaps. It outlines various types of coverage, including emergency medical, trip cancellation, evacuation, and baggage loss, and stresses the need to understand policy details to avoid common pitfalls. The narrative includes lessons learned from dealing with claims, the importance of documentation, and tips for securing the right insurance for different travel scenarios.
Takeaways
- 🌟 Travel insurance is essential as a safety net for unexpected losses and emergencies while traveling.
- 🏥 Emergency medical insurance is the most critical type of coverage, reimbursing for unforeseen medical expenses during travel.
- 🚫 Be aware of policy limitations and exclusions, such as not covering extreme sports injuries or pre-existing conditions.
- 💰 Understand the coverage limits of your policy, as it may only cover medical expenses up to a certain amount.
- 🛫 Trip cancellation insurance can refund nonrefundable travel costs in case of personal or family medical emergencies.
- 🚁 Evacuation insurance covers the cost of getting to appropriate medical care in case of an emergency.
- 🧳 Baggage loss and theft insurance covers the value of travel belongings if they are lost, stolen, or damaged.
- 📝 Keep detailed records and receipts for all expenses and claims related to travel insurance.
- 📞 Have your insurance information readily available and share it with travel companions or someone at home.
- 🔄 Follow up on claims and be prepared to escalate issues if necessary to ensure proper reimbursement.
- 🌍 Consider the nature of your trip and existing insurance provisions, such as credit card travel insurance, before purchasing a policy.
Q & A
What is the primary purpose of travel insurance?
-The primary purpose of travel insurance is to provide a safety net for travelers, covering unexpected losses and expenses while traveling, such as medical costs, trip cancellations, lost luggage, and other unforeseen incidents.
What are some common types of coverage included in travel insurance policies?
-Common types of coverage in travel insurance policies include emergency medical insurance, trip cancellation insurance, evacuation insurance, and baggage loss and theft insurance.
Why is it crucial to read the fine print of your travel insurance policy?
-Reading the fine print is crucial because every insurance policy has limitations and exclusions. Understanding these details is essential to ensure that you have the necessary coverage and to avoid potential denial of claims.
What is the significance of emergency medical insurance in a travel insurance policy?
-Emergency medical insurance is significant as it covers or reimburses unexpected medical expenses while traveling, providing a crucial safety net in case of illness or injury.
How can pre-existing conditions affect travel insurance coverage?
-Most travel insurance policies do not cover medical expenses related to pre-existing conditions. However, some policies may offer coverage for the acute onset of a pre-existing condition, which is an unexpected outbreak or recurrence that requires immediate medical attention.
What is the importance of having enough travel insurance?
-Having enough travel insurance is important to avoid financially devastating repercussions in case of emergencies, such as costly medical treatments or evacuations. It's better to have more coverage and not need it than to be underinsured in a crisis.
What should you do if you need to make a claim with your travel insurance?
-If you need to make a claim, you should document everything, keep original receipts, know your policy inside out, and follow up with the insurance company to ensure proper reimbursement.
Why is it recommended to have your insurance information readily available when traveling?
-Having your insurance information readily available is recommended because you never know when something might happen. Being prepared with your insurer's name, policy number, and emergency contact number can help you get the care you need and avoid claim denials.
What are some tips for ensuring your travel insurance claim is processed smoothly?
-To ensure a smooth claim process, document everything related to the claim, keep all receipts and reports, follow up with the insurance company regularly, and be prepared to escalate the issue if necessary.
How can you avoid common travel insurance pitfalls?
-To avoid common pitfalls, understand your policy thoroughly before traveling, ensure you have sufficient coverage, be aware of exclusions for pre-existing conditions and extreme sports, and always carry your insurance information with you.
What additional advice is given by experienced travelers in the script for using travel insurance?
-Experienced travelers advise to read the policy carefully, consider the nature of your trip, ensure you have air medical evacuation insurance, gather all necessary documentation, and keep in constant communication with your insurance company to understand what information and forms are needed for a claim.
Outlines
🌎 Travel Insurance Experience and Its Importance
The speaker recounts a personal experience in Thailand where travel insurance was crucial due to a partner's severe illness. The incident led to hospitalization, visa extensions, and the need to cancel and rebook travel arrangements. The complexity of the insurance claim process is highlighted, emphasizing the importance of travel insurance as a safety net for unexpected travel mishaps. The speaker also introduces a discussion on the different types of travel insurance and their benefits.
💸 Understanding Travel Insurance Policies and Pitfalls
The speaker delves into the intricacies of travel insurance, discussing common policy types such as emergency medical, trip cancellation, evacuation, and baggage loss/theft insurance. The importance of reading the fine print to understand limitations and exclusions is stressed. The speaker shares common mistakes travelers make, such as not understanding policy coverage or having insufficient insurance. The potential high costs of medical care, especially in the United States, are mentioned, urging travelers to ensure they have adequate coverage.
📝 Preparing for the Unexpected with Insurance Information
The speaker emphasizes the importance of being prepared for emergencies by carrying insurance information at all times. The need to act quickly in the event of a medical emergency is highlighted, as timely contact with the insurance company can prevent claim denial. The speaker shares personal strategies for keeping track of insurance details and the benefits of having a comprehensive understanding of one's policy coverage.
🛑 Dealing with Claims and Documentation
The speaker shares a detailed account of managing an insurance claim for a partner's illness in Thailand. The process of documenting medical expenses, visa extensions, and travel arrangements is discussed. The challenges of dealing with different departments within the insurance company and the importance of meticulous record-keeping are emphasized. The speaker also shares tips on how to handle errors in reimbursement and the value of escalating issues to higher authorities within the insurance company.
🌟 Other Travelers' Stories and Top Tips for Insurance
The speaker invites fellow travelers to share their experiences with travel insurance. Stories of medical emergencies in various locations and the role of insurance in managing these situations are highlighted. The importance of having air medical evacuation insurance and thorough documentation is emphasized. The speaker provides final tips on choosing the right travel insurance policy, considering the nature of the trip, existing health concerns, and pre-existing conditions. The value of travel insurance is reiterated as a small price to pay for peace of mind during travel.
Mindmap
Keywords
💡Travel Insurance
💡Emergency Medical Insurance
💡Trip Cancellation Insurance
💡Evacuation Insurance
💡Baggage Loss and Theft Insurance
💡Policy Limitations and Exclusions
💡Pre-Existing Conditions
💡Claim Process
💡Documentation
💡Travel Itinerary
💡Insurance Pitfalls
Highlights
The importance of travel insurance as a safety net for unexpected losses and emergencies while traveling.
The story of how Deni fever disrupted a trip in Thailand and the subsequent need for extensive medical care and insurance claims.
The critical nature of understanding the types of travel insurance available, such as emergency medical, trip cancellation, evacuation, and baggage loss/theft insurance.
The limitations and exclusions of insurance policies, emphasizing the need to read the fine print and understand what is covered and what is not.
The importance of having enough insurance to cover potential high costs, especially in countries with expensive medical care like the United States.
The issue of pre-existing conditions and how they can affect insurance coverage, with some policies offering coverage for acute onset of pre-existing conditions.
The necessity of having insurance information readily available and the potential consequences of not having it during an emergency.
The importance of documenting everything related to a claim, including medical reports, visa documents, travel arrangements, and receipts.
The process of following up and scrutinizing every aspect of an insurance claim to ensure proper reimbursement.
The strategy of escalating claims to higher levels within the insurance company to resolve issues and ensure coverage.
Personal stories from travelers who have faced medical emergencies abroad and the crucial role travel insurance played in their situations.
The advice from experienced travelers on the importance of understanding one's insurance policy, having evacuation insurance, and being organized when making a claim.
The recommendation to consider the nature of one's trip, potential activities, and health concerns when choosing travel insurance.
The potential existence of travel insurance provisions in credit card policies and the importance of understanding their stipulations.
The advice to always carry travel insurance when traveling, highlighting its value for peace of mind and financial protection.
The final tips for getting the right travel insurance policy, including understanding policy provisions and having the insurance information readily accessible.
Transcripts
many years ago I was in Thailand with my partner at the time who came down with a very bad case of
Deni fever it threw our trip completely upside down he was in a private room in a hospital for
a full week with nurses checking on him and taking blood three times a day both of our
visas also expired while he was in the hospital so I had to extend them with the hospital's help
I also had to cancel our scheduled onward trips out of the country along with the accommodation
we had booked and I had to rebook a whole new itinerary in all the insurance claim involved
multiple categories of claims that all went to different departments at the insurance company
company reimbursements of expenses were in three different currencies and more it it was a mess the
claims process was not a cakewalk but in the end we got reimbursed for many thousands of dollars
in expenses and most importantly my partner got the care that he needed today I will share with
you what I learned through this experience so you can avoid mistakes that could mean the difference
between your travel insurance coming through for you or not also I have collaborated with
some other very popular Travelers who you may know they will share their own personal
travel insurance experiences including some hard Lessons Learned so stay tuned let's do
this okay so first off what exactly is travel insurance it's a safety net for travelers it
covers unexpected losses while traveling like medical expenses trip cancellations lost luggage
and other unforeseen mishaps I cannot emphasize enough how important travel insurance is well
certain kinds more than others it's not just about getting your money back for a canceled flight or
a lost suitcase it is knowing that if something goes horribly wrong like it did for us in Thailand
you have a safety net so let's talk about the different types of travel insurance your policy
may include any or all of these some of which are more critical than others the most important kind
of travel insurance as far as I'm concerned hands down is emergency medical insurance it covers or
reimburses you for unexpected medical expenses while you travel next up is trip cancellation
insurance this kind of insurance will refund you all or part of your nonrefundable travel costs in
the case of a personal or Family Medical Emergency another important one is evacuation insurance this
covers the cost of getting you to a place with appropriate Medical Care in case of an emergency
and stay tuned for Dave and Deb to share their story a little bit later on where evacuation
insurance was critical last up is baggage loss and theft Insurance which covers all or some
of the value of your travel belongings if they are lost lost stolen or damaged so here's the
kicker every insurance policy has limitations and exclusions it is crucial to read the fine print
for instance most travel insurance policies won't cover extreme sports injuries or medical expenses
related to pre-existing con conditions we will talk about this more in a bit and if you think
your trip cancellation insurance will kick in and refund you for any cancellation think again
the criteria is super strict unless that is you specifically got insurance with a cancel for any
reason add-on which is a way more expensive option also be aware of the coverage limits
your policy might cover medical expenses but only up to a certain amount the devil's in the details
folks and those details are significant and also mostly beyond the scope of what I can cover today
I have included links in the description and the first comment to some written resources
that I've created that dive deep into the nuances of travel insurance with some glossies of terms
Pro tips and more all right let's talk about the top travel insurance pit calls these are mistakes
that you definitely want to avoid because they can turn a manageable situation into a real headache
the biggest mistake you can make not thoroughly understanding your policy before you travel and
actually really before you buy the policy if you're not super familiar with exactly what's
covered and what to do when things go wrong your claim could be denied let me give you a personal
example I'm currently spending the winter in a ski town in Europe when I was shopping for
insurance I was amazed at how differently the various insurance companies treat skiing some
see skiing of any kind as an adventure sport that requires extra coverage others cover skiing but
only at official resorts on groomed runs only a few policies cover all types of skiing this
was a deal breaker for me I needed a policy that covered all skiing activities because I didn't
want to worry about where I could or couldn't ski imagine breaking a leg off piec only to find
out too late that you're not covered the next mistake is not having enough insurance if you
have too much insurance it's a waste of money on premiums but if you don't have enough Insurance
the repercussions could be financially devastating imagine needing an emergency evacuation that costs
tens or even hundreds of thousands of dollars and yes it can cost that much but your policy
only covers a fraction emotionally it's just as taxing you're far from home You're vulnerable
and now you're facing a financial burden and perhaps the possibility of not getting the care
that you need the cost of Medical Care can vary dramatically depending on where you go the United
States is renowned for having some of the most most expensive Medical Care in the world so if you
are visiting the US it's important to know this and to get a policy with a high coverage limit
think like seven figures in fact many insurance policies ask you in the application where you
plan to go and if you list the US your cost of insurance could be double or even triple always
assess your needs realistically and choose a policy that provides sufficient coverage if you're
in doubt air on the side of caution and get more next up are pre-existing conditions a pre-existing
condition is anything that you have experienced symptoms of or sought medical attention for in
the past most insurance policies will not cover pre-existing conditions what varies is the period
of time some insurance companies don't cover pre-existing conditions dating back to 6 months
before you got the policy others are 2 years and some policies just have a blanket exclusion for
any pre-existing conditions at all ever depending on your situation and the type of insurance that
you're getting you may be required to fill in a medical questionnaire as part of the application
this is where you'll be asked about your pre-exist exting conditions which you're legally required
to disclose but even if there's no questionnaire there may still be language in the policy about
priest existing conditions and it's important to note this because if you need to make a claim they
may look into your medical history and they can deny your claim if they think it's related to a
pre-existing condition now in some cases even if you do have a pre-existing condition some policies
may give you an out and it's called acute onset of a pre-existing condition by definition this is
considered an unexpected outbreak or recurrence of a pre-existing condition it's something that
could not possibly have been predicted comes on quickly and requires immediate medical attention
if a policy has this acute onset clause and the stars are in the right alignment then you could
be covered even though it's technically a pre-existing condition okay so this next
one is a double whammy always have your insurance information on you you don't know when something
is going to happen but when it does happen you need to be prepared write down your insurer's
name the policy number and their toll-free number that you need to call in an emergency personally
I write all of this down on my passport photo copy which is in my wallet at all times if you're
traveling with somebody then also give them your travel insurance information that way if
you're incapacitated they can make the calls on your behalf if you're traveling solo then email
your travel insurance information to somebody back home this may sound overcautious but it's
not you can't predict when a medical emergency is going to happen and when it does happen you need
to contact your insurer immediately this not only helps you get the care that you need but it also
avoids the potential of having your claim denied insurance companies often need to approve certain
expenses upfront delaying this call can mean that they will refuse to cover those expenses
here's the r travel insurance is great when you need it you need it not having it is bad and as
a side rant if you're that person who thinks it's okay to not have insurance and instead
to crowdsource to your friends for money when you end up in trouble don't come knocking on my
door as far as I'm concerned if you can't afford travel insurance you can't afford to travel that
said why while I think insurance is very necessary and while it's supposed to be there for you when
you need it the sad truth is that when it comes to claim time the insurance company is going to
do everything that they can to not pay you I get it to a point there are people out there who will
try to get something for Nothing by making false claims so the insurance company needs to do their
due diligence but in so doing they may make it difficult for you to get a perfectly legitimate
claim paid out properly they may also make mistakes which happened to me and I'll tell you
about that in a minute so these next few tips are related to making claims which is ultimately where
the rubber hits the road document everything if the insurance company is looking for a reason not
to pay out then you need to show them every form of proof possible that your claim is legitimate
this is where documentation comes in for claims relating to loss or theft of your stuff cover your
butt with two things one keep original receipts for all of your expensive stuff that you're
traveling with and remember I've already mentioned it but I will say it again know your policy inside
and out baggage loss and theft Insurance often has limits for what they'll cover and how much don't
bring something on your trip that isn't covered unless you're prepared to lose it or if you have
separate insurance for it in which case you need to read your other insurance policy to make sure
that you're covered abroad two take photos of your stuff and even of you with your stuff so
that you can prove that it's yours Electronics jewelry luggage expensive clothes jackets shoes
whatever even better take photos with timestamps on them to show that you owned these things just
before your trip the nerdier you want to get with this stuff the easier it will be come claim time
for medical claims cover your butt similarly I'll illustrate by example of what happened for
my insurance claim experience when my partner got Deni fever in Thailand strap in this one
is an adventure he started off feeling ill and we visited the local pharmacist who suspected
that it was Deni fever and told us to go to the hospital for tests I called the insurance
company and confirmed with them that they would cover the tests and which hospital we should go
to I documented this call I wrote down the date the time who I spoke to and I summarized what
they said we went to the hospital and paid for the tests with cash because he wasn't yet a hospital
patient he wasn't eligible for direct billing depending on the country you're visiting and
the insurance company you're using you might be able to have expenses like these paid directly by
your insurance company but ultimately it depends so be prepared to pay for things like this out of
pocket and to get reimbursed so we kept all the receipts and reports that we were given for these
tests which confirmed that he had Deni fever this is where the inpatient expenses started
he was checked into the hospital who then took our insurance information down and his subsequent week
in the hospital was fully covered directly by the insurance company but I continued to keep records
of everything including the many subsequent calls that I have at the insurance company cuz we're not
done yet we were supposed to leave Thailand in two days and we were not going anywhere our visas were
expiring in 3 days we had tickets from Thailand to Malaysia accommodation and activities booked in in
Malaysia and tickets from Malaysia to Singapore all of this had to be cancelled and there were
no refunds available and we had to book new travel arrangements to get to Singapore in time to catch
an onward flight to Australia lucky for us the visa thing was pretty easy a staff member from the
hospital went with me to the immigration office and helped me extend both of our visas I had to
pay for this with cash and of course I kept all documentation and receipts the travel Arrangements
weren't super complicated to cancel and rebook but they still went hey in the claims process which
I'll get to in a minute luckily I kept all of my receipts and documented everything including the
many calls that I have with the insurance company confirming that they would cover everything for
both of us through the trip cancellation part of our insurance all of this leads right into
my next claims tip follow up and scrutinize everything this particular insurance claim was
made before online claims were as easy as they are now so the only way to get reimbursed for
our out-of-pocket expenses was to mail original documents and receipts into the insurance company
between the hospital reports Visa documents travel arrangements and receipts it was a stack of stuff
and while most Claims can now be done by uploading receipts and scans online not all can so you may
yet find yourself in the situation that I was in by mailing all the original documents in I knew
I was giving up the only evidence I had of this claim existing which meant that if it got lost in
the mail or if I needed to follow anything up I would be out of luck so I copied everything not
only did I copy everything but I also included a table of contents at the beginning and I numbered
the pages I know you're probably thinking I'm a little cuckoo at this time and I might be but
this table of contents and the organization paid off see over the next few months I got checks in
the mail for various portions of this claim turns out different departments handled each part of the
claim one Department was doing the medical stuff another department was handling the Visa stuff and
yet another one was handling travel Arrangements Etc so I had to keep track of everything to make
sure that I was getting properly reimbursed a few things happened in this process one was that there
was just no reimbursement at all for some of these expenses so I had to call the insurance company to
follow up multiple times finally many months later when all the checks eventually did come through
some of them were wrong for example I mentioned that the onward plans we had included travel from
Thailand to Malaysia and Malaysia to Singapore when we booked these travel Arrangements we paid
for them in different currencies for example the Malaysian Hotel was paid for with Malaysian ring
it which is the local currency in Malaysia the Thai travel plans as well as the medical expenses
were in Thai bot which is the local currency in Thailand at the time the Malaysian ring it was
about 10 times stronger than the Tha bot so when I got a reimbursement check for the Malaysian travel
expenses they used the tibot exchange rate which means I got a check for $40 instead of $400 I had
to call the insurance company about their mistake except they kept denying that they actually made
any mistake at all this was when my photoc copies came in handy I literally guided them to the very
page where the receipt was when I confirmed that they were looking at exactly the same receipt
that I was I pointed out the myr on the receipt indicating that the expense was paid for with
Malaysian ring it then I brought their attention to the attention to the reimbursement check that
they issued which had the letters THB which is short for taib beside the expense now this may
be a bit confusing but I thought it was pretty clear and I got agreement from the insurance rep
that they understood the situation however when I asked them to correct their reimbursement error
they still insisted that they made no error this leads me to my next travel insurance claims tip
when making an insurance claim or frankly dealing with any customer service related issue there are
two things that you can do one is to hang up and call again you'll get a different customer service
rep and although you will have to explain your situation all over again perhaps they will see it
differently and they'll be more helpful the other strategy is to escalate your claim and politely
ask to speak to a manager because I absolutely knew in this case that I was in the right I
escalated the issue ironically the manager also told me that there was nothing they could do even
when they also admitted that they understood the error so I escalated again I kept on escalating
until finally I got to the tippy top of whatever tree I was climbing and finally I got my money had
the claim been for any less money I might not have spent all that time and patience escalating but it
did pay off in the end aided by a heroic amount of patience and as much of a sense of humor as
I could muster despite my frustration now before you decide that insurance isn't worth it I have
invited some fellow travel YouTubers and personal friends of mine to describe their own experiences
with travel insurance and to share their own top tips their claims were considerably more
complicated than mine and on the whole they went a lot smoother hey Nora thanks for having us uh
we are are coming to you today from the rainforest here in Ecuador yeah you know we traveled to over
120 different countries Dave and I have been on uh in the hospital on five different continents but
one of the biggest and worst times that we ever used that travel insurance was when Dave had a
fall in the Peruvian Amazon we were four days down the river the Amazon River on our trip and on the
skiff booat there's uh two stairs that step down like this metal stairs metal stairs step down on
one as soon as I hit the other one with my foot I went backwards landed with my back full weight
on the stairs of the skiff boat he broke his back I did I did end up uh fracturing my vertebrae in
two different spots um so which was uh obviously very painful but really the the the hardest part
was getting out of the Amazon and getting to a hospital yes the very first lesson that we
ever learned when we were traveling is call your insurance if something happens because
yeah right away the first thing yes CU sometimes insurance companies don't cover it now there's a
real long story you can read about it on our blog at the planet.com 10 hours later he got
to kitos which is a small town in the Amazon and that's when everything went really went crazy with
travel insurance Dave uh had to go through two CAT scans and MRI and several different x-rays
xrays exams and we were nine hour or nine days sorry in the uh in the hospital there while I
was frantically trying to figure out how how to get Dave home I was on the phone constantly with
our travel insurance this is something that's really interesting you can't just phone your uh
travel insurance and say hey I'm injured I need to come home you needed to get a doctor to sign
off to actually say that you cannot sit up and go home on a on a regular flight so it took a few
days just to get the doctors to sign off with our travel insurance we had full medical evacuation
insurance we had a translator that was offered to us and all medications tests and hospital
stays were covered as well as my accommodation and anything that we needed and food but the
biggest thing was you really need to be organized I had to gather all of Dave's prescriptions every
bill that we paid for every scan that he had every x-ray I came home with a big package finally nine
days later an air ambulance was sent from Canada to pick up days and that was another problem that
we had is that when he could go home they said no hospital is willing to take you we need to find a
hospital that can do a spinal injury there aren't any beds available but I remember you phoning like
the insurance company and and and asking them get a get a plane here and I can just phone 911 when
I get there and and they'll get me to a bed and they're like no ma'am the cost of the flight is
$100,000 so we need to have you in a secure bed before we can fly you home very overwhelming you
think that you can just call your insurance company say something happened and you'll be
home but it doesn't work that way there's a lot of forms to fill out a lot of organization to be
done and you really need to make sure that you talk to them before you do anything I know that
your hospital stay cost $2,500 I had paid for all of that in advance and then gathered all of the
receipts and uh within two weeks I had my money back it was awesome there's a lot of lessons that
we learned here about travel insurance obviously number one we always make sure to read the policy
and to question people on the phone when we're purchasing or even when we're renewing to find
out what's covered what has changed what sort of documentation do you need so that we know
beforehand when we go that okay this is what we need to collect if we indeed need to do a claim
yes one of the most important things you want to make sure you have is air medical air evacuation
insurance and if your policy doesn't have it we use medjet as well now medjet might have
been faster we didn't use them at the time they'll just fly you home if there's an emergency with no
questions asked second is to make make sure that you gather all of the information you have to have
all the proper paperwork and again this comes with having communication with your insurance
company so make sure that you identify what forms you need what you need because you needed x-rays
you needed copies of the MRI all that kind of stuff in order to get everything covered when
you got home so that's our story we've had a lot of uh run-ins with medical problems during our
travels but we always have our minds at ease because it's a very small price to pay for
people peace of mind like I don't mind putting out a few hundred dollars to make sure that if
anything happens I'm covered happy travels everybody thanks Nora talk to you later bye
see you back in Canada hey my name is Mitch and I've been wandering around for the past 8 years
I once had a pretty gnarly motorcycle accident in Thailand and I was very thankful to have travel
insurance in that situation I shattered my wrist into a bunch of different tiny little pieces and I
ended up meeting two different surgeries and a ton of different Physical Therapy abroad in total my
bill came out to around $115,000 but because I had insurance I only had to pay $250 that said it did
require some work on my part I wanted to get the cost pre-approved and so I had to kind of play the
middleman between the hospital and the insurance company which meant a lot of phone calls back
and forth but if you need to ever make a big claim with a travel insurance company I highly recommend
doing this and trying to get things pre-approved beforehand because it's much less stressful than
having to pay out of pocket and having to claim for reimbursement afterwards that said if you do
end up having to claim for reimbursement my tip to you is to set an alarm reminder in your phone
every week to just shoot the insurance company a message every week to make sure things are on
track things tend to fall through the cracks with these insurance companies and in the end it's your
responsibility to make sure everything gets pushed through through but after this experience I never
travel anywhere outside of the country without having travel insurance let's wrap this up with
my final tips to help you get the right policy so that it's there when you need it the most first
consider the nature of your trip by answering the following questions what activities will you be
doing and are they covered will you be carrying expensive equipment that needs extra protection
are there any specific health concerns or pre-existing conditions to consider what
are the insurance policy's Provisions for trip cancellations or interruptions how does the policy
handle emergency evacuations or repatriations also consider the insurance that you might already have
did you know that some credit cards include automatic travel insurance sometimes it's just
trip cancellation insurance or baggage insurance but sometimes it's the full Monte including
emergency medical coverage depending on the trip that you're taking this may work for you but be
sure to read the fine print before you decide to count on it since credit card insurance can have
some extra stipulations and of course as per my earlier tips and advice if this is the insurance
that you're going to count on write the policy information down and keep it with you at all times
I have a sneaking suspicion a fair few of you have your own travel insurance experiences I'd love to
read about them in the comments and please share what you learned from it so that together we can
all travel Smart in style I'm Nora Dunn aka the professional hobo and I'll see you next time bye
[Music]
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