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Travel Insurance - What You Need to Know Before Travelling Abroad Aurora CO

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.

Equisure
(303) 614-6961
3000 S Jamaica Court
Aurora , CO
 
Lloyd Kull State Farm Insurance
(303) 343-3515
390 S Potomac Way unit F
Aurora, CO
 
SECURITY TITLE GUARANTY
(303) 889-8118
4643 S Ulster St.
Denver, CO
 
JACKSON NATIONAL LIFE INSURANCE CO.
(303) 846-2000
7601 Technology Way, 1st Floor
Denver, CO
 
THE GREENAMYRE GROUP - FARMERS INSURANCE
(303) 828-8295
12424 E. Weaver Place
Centennial, CO
 
Scott Underwood Agency, LLC
(303) 745-3174
15322 E Alameda Pkwy, Unit 25
Aurora, CO
 
Mike Gibbs State Farm Agency
(303) 699-2800
3140 S Parker Rd. Suite 5
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PINNACOL ASSURANCE
(303) 361-4000
7501 E. Lowry Blvd
Denver, CO
 
Gene Mondragon - State Farm Insurance Co.
(303) 691-2625
1325 S. Colorado Blvd
Denver, CA
Alternate Phone Number
303-691-2625
Services
State Farm Products and Services: Auto Insurance, Home Insurance, Renters Insurance, Rental Property, Life Insurance, Health Insurance, Banking Products, Mutual Funds

WELLS FARGO INSURANCE COMPANY
(720) 528-7600
5600 S. Quebec
Greenwood Village, CO
 

Travel Insurance - What You Need to Know Before Travelling Abroad

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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...

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