Articles Editor's Blog Reader Mail

Travel Insurance - What You Need to Know Before Travelling Abroad Aberdeen SD

If your health insurance already covers you for travelling abroad do not buy travel insurance. It's pretty much that simple. Having said that, there are times when you can make use of this product. If your current health insurance does not cover you when you travel abroad, you should be considering coverage.

DakotaQuote Insurance
(605) 413-4133
4300 S Louise Ave STE 101
Sioux Falls, SD
Alternate Phone Number
605-413-4133
Services
Term Life Insurance, Whole Life Insurance, Universal Life Insurance

Squire-Lussem Agency
(605) 225-6350
902 S Main St
Aberdeen, SD
 
American Family Insurance
(605) 622-7777
105 3rd Ave SW
Aberdeen, SD
 
Calla Candy
(605) 845-2914
115 4th Ave SE
Aberdeen, SD
 
Security Financial Life Insurance Company
(605) 225-9011
1601 6th Ave SE
Aberdeen, SD
 
Adamson-Maxwell Insurance
(605) 343-3810
916 Main Street, Suite 101
Rapid City, SD
Alternate Phone Number
605-343-3810
Services
Auto, Home, Life, Commerical, Business Insurance
Prices and/or Promotions
"Free Policy Reviews and Free Quotes"

American Family Insurance
(605) 725-3300
2201 6th Ave SE Ste 1
Aberdeen, SD
 
American Family Insurance
(605) 225-6221
Aberdeen, SD
 
Prairie States Insurance
(605) 725-2645
Aberdeen, SD
 
State Farm
(605) 225-2144
711 N Main St
Aberdeen, SD
 

Travel Insurance - What You Need to Know Before Travelling Abroad

Provided By: 

Travel Insurance

Travel insurance is basically a limited time health insurance specifically for when you are travelling.

Most people do not need this kind of insurance, although your travel agent will always try to sell it to you. Why? Because they make a good commission on the sale of this product.

If your health insurance already covers you for travelling abroad do not buy travel insurance. It's pretty much that simple. Having said that, there are times when you can make use of this product. If your current health insurance does not cover you when you travel abroad, you should be considering coverage.

Keep in mind that travel health insurance is a very expensive type of health insurance, and dollar for dollar, you can do better. You might even want to call your current health insurance company to see if they can provide you travel insurance at a better price than what is offered through your travel agent.

Why is travel health insurance a bad deal? In most cases, if you are covered by other health insurance any claim to your travel health insurance will be sent back and you will be referred to your primary health insurance FIRST. This is what happened to me - I bought travel insurance and then found out that they only pay what is not covered by my existing health insurance! The travel insurance didn't pay for my care abroad upfront - they only looked at a claim after the fact. Then I had the fun of trying to get my travel insurance company to recognize that there was a currency difference and get the right amount from them. Further, by the time I finally got my travel insurance claim (partially) paid by my own health insurance company, I was too frustrated to try to get the difference from the travel insurance. The difference was too small to warrant my time.

In my case, the travel insurance company won. They got their premium and they didn't have to pay.

So, when DO you buy travel insurance? In most cases, travel insurance is only warran...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap