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Travel Insurance - What You Need to Know Before Travelling Abroad Coeur D Alene ID

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.

Landers Insurance
(208) 651-6208
1218 E. Sherman Ave.
Coeur d Alene, ID
Services
Auto Insurance, Health Insurance, homeowners insurance, life insurance, and Commercial Insurance

Insphere Insurance Solutions
(208) 691-4569
Alpine Dr
Post Falls, ID
Alternate Phone Number
208-691-4569
Services
Health, Life, Supplemental, Medicare

The Insurance Center
(208) 785-6661
745 W Bridge St Ste J
Blackfoot, ID
Services
Insurance agent, Insurance agency, Auto Insurance, Car Insurance, Health Insurance, Homeowners Insurance, Life Insurance, Business Insurance, Dental Insurance, Farm Insurance, Investments, Liability Insurance, Medicare Supplements, Mobile insurance, Manufactured Homes Insurance, SR22 Insurance, Vehicle Insurance, Annuities

Idaho Insurance Agency LLC
(208) 377-7101
1650 S Albright Lane
Boise, ID
Alternate Phone Number
(208) 377-7101
Services
Individual and Group Health Insurance

Landers Insurance
(208) 651-6208
1218 E. Sherman Ave.
Coeur d Alene, ID
Services
Auto Insurance, Health Insurance, homeowners insurance, life insurance, and Commercial Insurance

Family Home Care & Hospice
(208) 772-2112
1620 Northwest Blvd., Suite 201
Coeur D Alene, ID
 
Shalom Farmers Insurance Agency
(208) 602-7892
2947 E. Magic View Dr
Meridian, ID
 
Family Home Care & Hospice
(208) 772-2112
1620 Northwest Blvd., Suite 201
Coeur D Alene, ID
 
Brunson Insurance
(208) 234-2727
1177 Call Place suite C
pocatello, ID
Alternate Phone Number
208-540-0817
Services
Farmers, foremost, bristol west,
Prices and/or Promotions
Free Quote! auto, home, life.

Angela Webb Insurance AGency
(208) 342-7728
4792 Overland Rd Suite 300
Boise, ID
 

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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