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Travel Insurance - Anybody Buy This for Trips?
Posted on 12/8/14 at 5:43 pm
Posted on 12/8/14 at 5:43 pm
I'm taking a trip abroad with the wife (no pics) next year. We have a young child and will have our parents watching her while we are gone. I'm thinking it may be a good idea to get travel insurance in case we have to cancel the trip for whatever reason. We are travelling for a destination wedding, so we are getting special rates at the hotel through a travel agent. Our room is $1,100 and she wants to charge us $89 per person for travel insurance, because our room may not be refundable if we have to cancel. That seemed like a lot of $ to pay for insurance, but I had no clue, so I started searching for other means of insuring the trip. The first site I found quoted me at about $40 / person, which is a hell of a lot better.
Have any of you ever bought travel insurance for a trip from a third party? Is there a good, reliable site / company to use for this?
Have any of you ever bought travel insurance for a trip from a third party? Is there a good, reliable site / company to use for this?
3
Posted on 12/8/14 at 7:35 pm to SUB
I've used this company for trips before. Never had to use it but I looked up reviews for them first and they had good feedback.
LINK /
I wanted to not only have protection if we cancelled, but since the trips I used them on were out of the US I wanted to make sure I had decent medical coverage if I was injured during my trip. Also wanted to make sure it covered me being flown to a hospital in the US so I wasn't stuck in a primitive hospital in the countries the trips were for(Costa Rica and Mexico). You can just get coverage for the trip or coverage that will also include medical coverage.
My inlaws have gotten travel insurance and had to use it before and besides the hassle of paperwork(keep EVERYTHING for proof later on) they got all their travel expenses back. My cousin didn't buy travel insurance for a 17K trip to Europe and a few days before he was supposed to leave his mother had to undergo urgent surgery and was in the ICU in critical condition....he lost all that money he spent on the trip.
LINK /
I wanted to not only have protection if we cancelled, but since the trips I used them on were out of the US I wanted to make sure I had decent medical coverage if I was injured during my trip. Also wanted to make sure it covered me being flown to a hospital in the US so I wasn't stuck in a primitive hospital in the countries the trips were for(Costa Rica and Mexico). You can just get coverage for the trip or coverage that will also include medical coverage.
My inlaws have gotten travel insurance and had to use it before and besides the hassle of paperwork(keep EVERYTHING for proof later on) they got all their travel expenses back. My cousin didn't buy travel insurance for a 17K trip to Europe and a few days before he was supposed to leave his mother had to undergo urgent surgery and was in the ICU in critical condition....he lost all that money he spent on the trip.
Posted on 12/8/14 at 8:34 pm to SUB
Buy it. Just got robbed blind in Costa Rica while our group was out to dinner. Briefcase, laptops, IPads, passports, and cash. Broke into safe. This was an upscale home on the beach with interior and exterior video surveillance with guards on property. Timed the guard watch from the beach. Picked lock into side bedroom. In and out in 5 minutes. That would be cheap compared to the 12K we lost. Not counting having to fly to the U.S. embassy to get passports and missing out on your vacation. 
Posted on 12/8/14 at 9:40 pm to LSUAfro
quote:
Many credit cards with annual fee waived year 1 offer better insurance than many of these programs.
Posted on 12/8/14 at 10:01 pm to PerceivedReality
Damn. This is why I don't bring laptops (too heavy anyways) and my tablet/camera and passport are always on me. People say to just have the copy on you but I'd rather always have my passport and not trust 3rd world hotel staff.
Never leave cash in my hotel either but I suppose you felt safe with all this security you had which I can understand
Never leave cash in my hotel either but I suppose you felt safe with all this security you had which I can understand
Posted on 12/9/14 at 12:06 am to PerceivedReality
quote:shite that really sucks
PerceivedReality
To the OP, I usually buy it for big trips out of the country but not for 3-4 day vacations in the US.
Posted on 12/9/14 at 9:08 am to LSUAfro
quote:
Many credit cards with annual fee waived year 1 offer better insurance than many of these programs. Example
I went with this option. I already have a chase account so this makes the most sense. Thanks a lot everyone for the suggestions. I just saved about $200.
Posted on 12/9/14 at 9:25 am to SUB
Make sure you find out about the details for cancelling. We got some for a ski trip because we were going with some flaky people and sure enough we had to cancle and basically anything short of needing a kidney transplant was not a good excuse. Luckily my buddy used his Amex and they smoothed things out for us.
Posted on 12/9/14 at 9:40 am to barry
I don't generally buy it, but I also don't book things that are nonrefundable.
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