Be Sure To Have Travel Insurance Before Traveling Out of The Country

“I did not always buy travel insurance for myself, but then I mis-stepped off a step on a train in Marseilles and fell and twisted my ankle really bad. This was not a serious fall, but it made me realize how something serious could happen. So I always have travel insurance now. For several years I bought the annual program that my American Express card offered but then I realized that this gives me good medical coverage while I am overseas but does not reimburse any of my travel expense, so I now have a regular travel policy.

Do Not Be Alarmed Travel Insurance Is Normal

When I mention travel insurance to travelers, I tell them that they might not need the insurance for themselves, but if they have teenagers (especially in sports), or elderly parents, then you should get the insurance in case you need to cancel or return from a trip for them.
In the last few years, there have been policies offered that let you cancel for work related reasons (often offering a full refund of travel funds) and even canceling for any reason (getting about 50% of your money back). Another benefit of a Gold or Platinum type policy is that the insurance coverage becomes your primary insurer – this means that when you go into a hospital for treatment, that the hospital calls the insurance company and get approval for payment rather than you laying out the money and filing out paper work when you get back to get reimbursed. As with all offers these days, there are some restrictions.
Travel insurance does not just cover medical expenses. There is reimbursement if your luggage is delayed or lost, if you lose your passport, need legal assistance. Some programs even include Concierge services that assist with all types of travel needs, such as tickets to special events, travel recommendations, changing travel arrangements and such. Be sure to ask about travel insurance next time you travel out of the country as most policies in the US will not over you overseas.”