Travel Insurance for Dummies
by Ashleigh (Awesome Escape Blogger)
Sep 29, 2015

Travel insurance is a big detail to miss when planning a holiday, yet people go on vacation overseas or in another country without it all the time. This is a big error to make, and most travelers don't even know they're doing it. Travel insurance is the safety net that allows people to leave the financial worries to someone else if they should fall ill or have an accident while away. Most travelers are already paying a lot to go abroad, and it can seem like an extra thrown at you for the sake of earning an extra buck. Having travel coverage will save your hide in the long term in the off-chance that something does happen. Here's a brief look at what travel insurance is and what it can do for you.

What is Travel Insurance?

Travel insurance is insurance you get before you go abroad that can cover the costs associated with medical and other mishaps that can pop out of nowhere when you're on a trip. There are several different kinds and configurations of travel insurance out there that differ in a variety of important ways.

  • Health/Dental is for any medical and dental bills you could incur at hospitals or clinics as well as medications you may be prescribed while in another country.
  • Life is relatively self-explanatory, it is coverage if something severe happens and someone passes away while in a foreign country. This can help with expenses like flying the deceased home, etc.
  • Disability coverage is used for when you are permanently or temporarily disabled while away on vacation. It can help with covering things such as lost wages and ongoing support with medical services.
  • Flight insurance is something you can get that covers missed flights, lost luggage, and other mishaps that have to do with an airline.

Usually, insurance packages will include more than one type of coverage with a level of liability. You can also ask for a mix-and-match plan depending on the provider and your needs.

Why Get Travel Insurance?

It's important to consider investing in travel insurance because of the amount of money you may end up having to pay in order to be taken care of in another country. The hospitals and clinics you go to will not turn you away if you have injured yourself, but they do expect payment. This can leave you thousands of dollars in debt if the injury is severe enough or you require a lengthy hospitalization. This is never truer than when traveling to the United States or overseas due to the insane healthcare costs and repercussions of not receiving proper care (if you were in an underdeveloped nation especially). It's also important to consider travel insurance because of the disability and life benefits you would be due if you had a lasting impairment from an accident or death of a loved one in another country. In the unfortunate event that something does happen, you will be due the costs of ongoing medical treatment, transportation home and even lost wages or funeral costs.

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