There is more than enough talk in the online travel sphere about buying travel insurance – you’ll find just as many people who say you can’t live without it as well as naysayers who say it’s a waste of money. I like to keep it to the point – here are the three questions you need to ask yourself before choosing a travel insurance.

 

1) What does this policy NOT cover?

Most folks casually peruse the fine print and see “gah! yes, we’re covered if you break your leg on the ski slope.” or “oof! superb, if we crash the car on the wrong side of the road, they’ll totally cover our hospital stay.”

Ok, great, but what ISN’T covered. That is usually the sticking point. If you go bungee jumping in New Zealand and get whiplash, is that not covered because you were the idiot going jumping?

2) What is my real risk on this trip?

Give yourself a reality check about your true risks. The thing is, everybody can trip on a curb, fall and break a crucial bone in your elbow, which may necessitate surgery. (I know this because it happened to a friend.) But, will you be doing anything that does carry a more extraordinary (that is, out-of-the-ordinary) risk – like a mountain hike with overnights in rough territory, or an area where civil strife is still an ongoing concern?

3) What would happen in absence of having this coverage?

Lastly, consider the things that would become a practical reality if you had no insurance and something happened. Such as, what’s the hospital situation like in this country?  If something did happen, how easy is it for you to get home? Do you speak the language?

When choosing which travel insurance to purchase, always consider what activities you’ll be planning to do on your holiday and make sure you have the appropriate cover.

Photo by karen_neoh

Andy Hayes

Andy Hayes is a travel journalist currently based in Seattle, Washington. When not soaking up the Pacific Northwest lifestyle or enjoying life on the road, he is spending time hanging out on his own travel lifestyle magazine, Sharing Travel Experiences.

Posted : Friday, November 25th, 2011 at 11:00
Category : Holiday Tips
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