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Travel Insurance - What You Need to Know Before Travelling Abroad Laconia NH

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.

Nationwide Insurance - Daniel P Soucy Agency
(603) 577-9531
491 Amherst St
Nashua, NH
Alternate Phone Number
603-889-9960
Services
Auto, Home, Business, Life Insurance

Representing Metlife Auto and home
(603) 540-1634
Southern NH
Goffstown, NH
Alternate Phone Number
603-540-1634
Services
Home and Auto Insurance

State Farms Ins Co
(603) 524-4087
476 Union Ave
Laconia, NH
 
Arnie Pierce Insurance
(603) 524-5562
873 Union Ave
Laconia, NH
 
Insurance Express
(603) 527-6060
Laconia, NH
 
MetLife Auto & Home
(603) 433-1880
29 New Hampshire Ave
Portsmouth, NH
Alternate Phone Number
603-433-1880

Horan Richard J Agency
(603) 524-5912
423 S Main St
Laconia, NH
 
Fogarty Associates Inc
(603) 524-6763
67 Water St Ste 101
Laconia, NH
 
Hebert Denis R
(603) 528-7797
783 N Main St
Laconia, NH
 
Munsey & Brazil Inc
(603) 524-2425
55 Church St
Laconia, NH
 

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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