Articles Editor's Blog Reader Mail

Travel Insurance - What You Need to Know Before Travelling Abroad Ames IA

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.

Ben Buenzow State Farm Agency
(515) 270-8870
3273 100th St.
Urbandale, IA
Alternate Phone Number
515-270-8870
Services
auto insurance, home insurance, health insurance, life insurance, disability insurance, business insurance

Coventry
(515) 253-4077
4320 114 st
Urbandale , IA
Alternate Phone Number
515-253-4077

Allstate Insurance Companies
(515) 232-0771
516 Lincoln Way
Ames, IA
 
Shelter Insurance
(515) 292-8527
111 Lynn Ave
Ames, IA
 
Dobson Meg E Ins
(515) 232-3307
515 Grand Ave
Ames, IA
 
New York Life - Ted G. Bodensteiner,lutcf
(515) 576-6165
www.tedbodensteiner.com
Fort Dodge, IA
Alternate Phone Number
(515) 576-6165
Services
Life, Long Term Care, Annuities, Investments

Kari Durham State Farm
(515) 278-8882
3912 NW Urbandale Dr.
Urbandale , IA
 
Shelter Insurance
(515) 232-3555
311 Lincoln Way Ste 2
Ames, IA
 
McVicker Michael
(515) 292-1441
2521 Elwood Dr
Ames, IA
 
State Farm Ins
(515) 232-0030
Ames, IA
 

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