What You Need to Know About Buying Travel Insurance

Do You Need It? What Do You Get? Where Do You Get It?

Author: The Traveling Professor/Wednesday, November 13, 2019/Categories: Travel Tips

Rate this article:
3.0

Stuff happens. People get sick. Personal issues arise.  Flights get delayed.  How often does this happen?  On nearly every trip we run, there is a trip cancellation or significant delay.  How do travelers protect themselves from losing money?  They have travel insurance.  Here are some basic travel insurance facts:

There are generally two types of insurance:  

Trip delay/cancellation insurance is usually bundled together.  If you need to canceledor delay a trip due to a covered reason, you can be reimbursed.  So, if you get sick and cannot go on a trip, you can be reimbursed. If your flight is delayed by a covered reason, you can be reimbursed for additional lodging and other expenses.  Do you need trip delay/cancellation insurance?  Yes, if you think there is any possibility you might cancel your trip, buy it.  It might also be a good idea to buy it when flying in the winter months, where delays are more common.  By the way, when buying trip delay/cancellation insurance, emergency health and evacuation insurance is almost always included.

Emergency health and evacuation insurance.  Your domestic policy probably does not cover you while overseas for illness or emergency evacuation.  Medicare definitely does not cover you while overseas for illness or emergency evacuation.  So, if you get sick while overseas, an insurance policy can cover you.  If you need to be transported home for treatment, the cost can EASILY be $50,000 or more.  Emergency evacuation insurance provided coverage.  Do you need emergency health and evacuation insurance.  Absolutely, positively, yes.

Where Can You Get Travel Insurance

When considering a policy, make sure to read all the terms, conditions and coverages of all policies.  Keep ALL travel and payment records, on paper, they are necessary when filing a claim.

On-Line:  I have found www.insuremytrip.com a good place to search for and buy trip delay/cancellation insurance.  You can also go to sites like https://www.allianztravelinsurance.com/ or https://www.hthtravelinsurance.com/index.cfm.  For health and evacuation insurance only, nothing beats GEO Blue.  See: https://www.geobluetravelinsurance.com/

Credit Cards:  Some credit cards, like Chase Sapphire Reserve provides travel insurance at no additional cost if some or all of a trip is paid with that credit card. Citibank credit cards used to provide travel insurance, but no longer do.

Number of views (164)/Comments ()

«January 2020»
MonTueWedThuFriSatSun
3031123

Who Traveled With Us in 2019

who travels with The Traveling ProfessorThe Traveling Professor ran small group tours to Iceland, Peru and Machu Picchu, Scotland, Croatia, Italy, Normandy Invasion Beaches, and Canada in 2019.  We had a wonderful year, making new friends and traveling to great places.  But who goes on Traveling Professor tours?  In this blog post, we will tell you the number of people and what the make-up of our small group tours looks like.
Read more
4

26 Places to Eat in Paris

where to eat in ParisAh, we love to eat when we go on our small group tours to Paris.  Who doesn't?  The Professor presents his list of Paris restaurants. The list includes places for breakfast, lunch, dinner and snacks.  Some are expensive, some are not.  Some qualify as a great place for a romantic dinner, but most of them are on the casual side. Take advantage of The Professor's experience and see where to eat in Pars. 
Read more
5
67

The Perfect 14 Day Introduction to Italy Itinerary

perfect 14 day Italy itineraryEveryone loves Italy.  The Traveling Professor's small group tours to Italy usually covers Venice, Florence, Rome and Sorrento (the Amalfi Coast).  Planning an itinerary can be daunting, but The Traveling Professor makes it easy for the first-time Italy traveler.  See all the great sites, eat wonderful food, experience the culture. Take a look at our introduction to Italy itinerary and get ready to say "Ciao!" to Italy.
Read more
8910

A Visit with Vincent Van Gogh in Auvers

Day trip to Auvers from Paris

Vincent Van Gogh is considered by many to be the greatest painter of all time. He spent much of his time in France.  Those who have gone to Paris with The Traveling Professor on one of his small group tours to Paris can remember walking the neighborhoods frequented by Van Gogh and seeing his paintings at the Musee d'Orsay. In today's guest blog post adapted from a  post originally done by Laura Keefe Junod of VoyageScholar.com, she talks about visiting Auvers - the place where Van Gogh lived, died and is buried. She does a wonderful job of explaining where Van Gogh  lived, died and is buried.

Read more
1112
13141516171819

What to Do in Paris the 2nd Time You Go

what to see 2nd time in ParisThe Eiffel Tower, the Musée d'Orsay, Louvre, Montmartre, Seine River Cruise, Pantheon, Pomidou Center, Rodin Museum, Arc de Triomphe - those are all things people see on their first trip to Paris.  They are timeless sites that probably could be visited time and time again. But what should you see on your second and even third or fourth visit to Paris. In this blog, The Traveling Professor gives some ideas on other great sites that would be superstars in nearly any other place in the world. 
Read more
20212223242526
272829303112
3456789