Travel Insurance

Written by Kathleen Gagne
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Why You Need Travel Insurance

Just about everyone who has ever flown in a plane has seen airport advertisements for hundreds of thousands of dollars of flight insurance. Did you ever think about buying that kind of protection? Most people don't. The problem is that most people don't get the travel insurance they really need when they're away from home.

For example, you finally booked your dream vacation to Thailand. The flight is great. The country is beautiful, and the people are wonderful. You're staying in a five-star hotel and having the best time of your life. Unfortunately, by the fifth day of your dream trip, you finally give in to the upset stomach and feverish trembling you've been noticing for a couple of days. It's a serious flu. The concierge is great and gets helps you get to a hospital, but they won't help you. You don't have insurance they can understand.

Travel Panic

You could also be skiing down the slopes in any of the Scandinavian countries and suffer an injury so serious that it requires a medical evacuation flight back to the United States. Do you have any idea how much that will cost you or whether your health care coverage plan at work will even cover it? In both of these cases, if you're conscious, you'll probably be on the point of absolute panic

These scenarios happen more often than you think. The medical need doesn't have to be quite as dramatic as the ones described above, but even a simple attack of appendicitis could leave you and your companions mired in red tape. Depending on the country you're visiting and whether you're in a major city, you could even be in a position where you can't get the quality medical help you need.

Peace of Mind While Traveling

Most health care coverage plans do not cover many of the most common medical needs travelers face abroad. There are, however, several different kinds of travel insurance available for the times when you need it most. They include medical insurance, medical evacuation insurance, flight insurance, travel medical insurance, and even trip protection that will reimburse you if your trip is canceled or delayed through no fault of your own.

You can even find all of these types of insurance online. Depending on your travel circumstances, you may want to discuss travel coverage with your employer. It is, after all, in her best interest for you to be healthy and stress free while you are conducting her business with a company in Bali.

Finding the Right Travel Insurance

It's not as hard or as expensive as you might guess to find the right travel insurance to fit your specific needs. All you have to do is to define your trip. Is it for business or pleasure or both? Are you traveling in a group? Will you be flying? Does your job, or your dream, require you to relocate to another country for an extended period of time?

Whatever your international travel plans, you will find an insurance policy that will cover you when you need it. You can even find coverage that is similar to the comprehensive medical plan you probably have from your employer. Having travel insurance can give you the peace of mind you need to relax and enjoy your vacation or business trip or relocation, secure in the knowledge that you and your family will be able to get quality health care when you need it.


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