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Travel Insurance - What You Need to Know Before Travelling Abroad Clemmons NC

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.

NCInsuranceSpot
(336) 293-8077
117-1 Willow Trace Circle
Clemmons, NC
Alternate Phone Number
336-293-8077
Services
Insurance & Annuities

The Bates Group - Winston Salem Insurance Agency
(336) 760-3338
1959 North Peace Haven Road
Winston Salem, NC
Alternate Phone Number
(336) 760-3338
Services
Health Insurance, Dental Insurance, Life Insurance, Disability Insurance, Insurance Consulting, Insurance Broker

Lawyers Mutual Liability Insurance Companyof North Carolina
(919) 677-8900, (800) 662-8843
5020 Weston Parkway, Suite 200
Cary, NC
Prices and/or Promotions
States/Provinces Served: North Carolina

State Farm - Paul Carreker
(704) 941-7466
1816 East Arbors Drive
Charlotte, NC
 
malcolm fields
(910) 818-0186
3820 raeford rd
fayetteville, NC
Alternate Phone Number
9108180186
Services
commercial and personal lines

State Farm Donna Jones Agency
(336) 602-2980
682 Saint George Square Ct
Winston Salem, NC
 
Breeden Insurance Service Inc.
(336) 249-8618
312 West Center Street
Lexington, NC
 
NavStar Financial Services
(704) 799-3118
268 Queens Cove Rd
Mooresville, NC
Alternate Phone Number
704 799 3118
Services
Long Term Care Insurance, Medicare Supplements, Life Insurance, Health Insurance, Annuities

Brewer Insurance Group
(919) 562-1974
1904 South Main Street
Wake Forest, NC
 
New York Life Insurance Company
(919) 785-7112
3200 Beechleaf Court, Suite 820
Raleig, NC
Alternate Phone Number
919-781-3100

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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