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Travel Insurance - What You Need to Know Before Travelling Abroad Cabot AR

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.

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(501) 912-3097
6813 Incas Drive
North Little Rock, AR
 
State Farm Insurance Companies
(870) 534-5012
2900 Olive Street
Pine Bluff, AR
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Allstate Insurance - The Dickinson Agency
(501) 221-3000
9120 N Rodney Parham Rd
Little Rock, AR
 
Nationwide Insurance Quotes - Chuck Jordan
(501) 624-4105
813 Airport Road
Hot Springs, AR
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908 E Rolling Hills Dr Ste F2
Fayetteville, AR
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Central Arkansas Insurance
(501) 912-3097
6813 Incas
North Little Rock , AR
 
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(870) 934-0477
2502 Glenwood Drive
Jonesboro, AR
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The Newell Agency
(501) 224-9082
11311 Arcade Dr., Suite 100
Little Rock, AR
 
Allstate Insurance Quotes - Candice Stanley
(501) 847-1115
2305 Springhill Rd Ste 3
Bryant, AR
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(870) 425-9594
119 N College St
Mountain Home, AR
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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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