Travel Insurance


Why would you need travel insurance!  Most insurance policies, including Medicare, do not cover medical issues outside the 50 United States.  And no personal insurance covers hotel, airfare or medical evacuation.  I had a client on an Alaskan cruise who had a $900 bill on their final cruise account!  Their personal insurance only covered $450, the rest was out of pocket.  Or the client traveling in a third world country who needed emergency surgery, and had purchase insurance, and was medivaced ($36,000) to a safe/clean facility.


Many travel insurance plans also have optional coverage for Emergency medical expenses incurred while traveling. This is particularly important for international travelers. A reliable travel insurance plan with medical coverage will take care of medical care and related costs, including the sometimes expensive cost of transporting a patient back home


Travel insurance is inexpensive, as the risks of a single trip or vacation are fairly low. The cost very from company to company and the amount covered.

00.00 medical bill, but her work insurance covered only half the amount (she did not have travel insurance).  Another client who had emergency surgery in a third world country, who was medivac to Thailand after her surgery, at a cost of $35,000.00 (luckily she had travel insurance to cover evacuation, foreign and domestic hospital bills

The reason most people do not purchase travel insurance is because they aren’t aware of the option. There are several good reasons to look into insurance, particularly when taking an international vacation or any other potentially high-cost trip.

The travel insurance I’m talking about is not with a cruise line or escorted tour supplier.  What I am talking about is what is called third part insurance.  A supplier may cover the cruise or tour but nothing else.  And if that tour supplier went out of business before or during your trip, you would be out of luck recovering any money.

Trip Cancellation

The basic purpose of standard travel insurance policies is to pay the costs that occur due to a trip’s cancellation. Depending on the plan, this might include the costs of hotel reservations, plane tickets and more.

Emergency Medical Coverage

If you purchase your own coverage, make sure you know what is covered.