Trip Insurance
Jul 13, 2015 11:41:25 #
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
Jul 13, 2015 11:48:59 #
jerryc41 wrote:
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
Jerry, one time my mother and I were scheduled to go to Aruba in Feb. We were both very strong and healthy but were in an accident coming home. Thank goodness we purchased insurance or would have lost the money completely. It was for airline and resort for a week. Of course, this is very rare, but if you have a lot charged, I'd pay for it, within the US, wouldn't bother. :)
Jul 13, 2015 11:56:40 #
I buy it whenever I travel out of the country but within the past month my Citi MasterCard notified me of new included benefits that seem to offer the same coverage as buying a policy from Allianz or one of the other carriers.
Jul 13, 2015 11:58:38 #
jerryc41 wrote:
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
Not sure where your "kidding" is intended. But my wife and I have been buying trip insurance for the past six or eight years. I'm now 79 and a cardiac patient. Three years ago, sudden medical considerations arose and we had to cancel a planned trip to Switzerland. Got a full refund on plane fares and rental deposits made at Untours.
We don't insure our domestic travel, with one exception. If we reserve a month-long warm-weather home rental in the U.S., we insure that, especially if it involves steep plane fares.
This kind of insurance is always a crap shoot, but not for people with conditions that might arise suddenly. I have had two friends who died in foreign lands and whose bodies had to be shipped back to the states. That's not cheap.
I'm aware that I may dismissed as a paranoid old fart. Oh well, I've been called much worse. ;-)
Jul 13, 2015 11:59:57 #
I like it Jerry.
jerryc41 wrote:
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
Jul 13, 2015 12:04:25 #
Always if spending a reasonable amount of money (overseas vacation etc).
Jul 13, 2015 12:04:55 #
jerryc41 wrote:
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
We go to the Outer Banks most every year - we always buy the vacation insurance - in 2011 we had to evacuate a few days early due to Hurricane Irene. The vacation insurance compensated us for the missing days.
1 out of 20 ratio roughly, but still worth that little extra cost.
Jul 13, 2015 12:15:17 #
jerryc41 wrote:
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
I bought it for my Galapagos tour and it cost me $750. Even though I didn't have to use it, it gave me peace of mind. There was a lady from New Zealand that impaled her leg on a tree branch about 2 days into our tour on one of the islands and she had to be taken back to Baltra (the airport), flown to hospital in Ecuador, then after she was stable flown back to New Zealand. She had insurance that paid for all of it and reimbursed her for her lost journey.
Jul 13, 2015 13:51:59 #
Jul 13, 2015 16:34:42 #
I have to apologize to most of you. The term "Trip Insurance" hit my funny bone, and I imagined buying insurance against tripping - as in tripping and falling. Very often, things that strike me as funny don't make that impression on the rest of the population. That's why I added "just kidding" at the end.
As for the real "Travel Insurance," I have bought it a couple of times, but never had to use it.
As for the real "Travel Insurance," I have bought it a couple of times, but never had to use it.
Jul 13, 2015 17:08:34 #
jerryc41 wrote:
I have to apologize to most of you. The term "Trip Insurance" hit my funny bone, and I imagined buying insurance against tripping - as in tripping and falling. Very often, things that strike me as funny don't make that impression on the rest of the population. That's why I added "just kidding" at the end.
As for the real "Travel Insurance," I have bought it a couple of times, but never had to use it.
As for the real "Travel Insurance," I have bought it a couple of times, but never had to use it.
I knew what you meant, and it was funny but forgot to add it to my reply. :)
Jul 13, 2015 17:12:24 #
jerryc41 wrote:
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
I'm old, I always buy "trip insurance", always that chance of tripping after my two glasses of Merlot every evening..ha
:-D :-D :-D :-D
Jul 14, 2015 06:23:37 #
When we travel out of the country, we always buy insurance. We've had to use it twice because us unforeseen medical issues.
Jul 14, 2015 06:41:11 #
jerryc41 wrote:
Do any of you buy Trip Insurance when you travel? My son just bought a train ticket online, and he was asked if he wanted Trip Insurance. He's young and healthy, so the chances of him tripping are remote. I told him to skip it.
Yes, I'm kidding.
Yes, I'm kidding.
It depends on the cost of the trip and where my wife and I are going ..... in 2 weeks I am driving to Manchester Vermont .... no travel insurance .... next month we are going to Italy .... Travel Insurance .... I have never had to use the insurance but our friends have .... once our friends were in Poland and the wife broke a bone in her foot .... Travel insurance paid all medical bills and paid to fly husband and wife home ... first class .... if you figure the cost of the trip vs. the cost of Travel Insurance ... the insurance is worth while assurance ..... ...
Jul 14, 2015 07:02:12 #
If traveling overseas it is nice to have trip insurance that also covers medical evacuation.
Two examples from patients of mine:
A patient called because a good friend had just suffered a serious back injury while rafting in Costa Rica - how could he get his friend back to the United States? I provided him with the name of several medical evacuation services - any of which would be glad to help him as long as he had a credit card with at least a $25,000 available credit on it.
Another patient retired and signed up for an around-the world cruise on the Queen Mary 2. During the first shore excursion in Brazil she fell and suffered a fractured pelvis. Because she had purchased the travel insurance, not only was her $30,000 trip reimbursed, but she was flown on a medevac jet back to Florida for hospitalization and recovery at home. Otherwise she would have lost the cost of the trip and would have spent six weeks recovering in Brazil...
Two examples from patients of mine:
A patient called because a good friend had just suffered a serious back injury while rafting in Costa Rica - how could he get his friend back to the United States? I provided him with the name of several medical evacuation services - any of which would be glad to help him as long as he had a credit card with at least a $25,000 available credit on it.
Another patient retired and signed up for an around-the world cruise on the Queen Mary 2. During the first shore excursion in Brazil she fell and suffered a fractured pelvis. Because she had purchased the travel insurance, not only was her $30,000 trip reimbursed, but she was flown on a medevac jet back to Florida for hospitalization and recovery at home. Otherwise she would have lost the cost of the trip and would have spent six weeks recovering in Brazil...
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