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Travel Insurance - What You Need to Know Before Travelling Abroad Magna UT

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.

The Ray Group Insurance Agency
(801) 349-8981
4123 Aubrey Lane
West Valley City, UT
Alternate Phone Number
801-349-8981
Services
Home, Auto and Life Insurance

MetLife Auto & Home
(801) 432-8787
1108 W South Jordan Pkwy Ste A
South Jordan, VI
 
Allstate Insurance - Dave Alvey
(801) 783-2432
2900 S. State St. Suite #200
Salt Lake City, UT
 
Express Insurance
(801) 203-3191
222 S. Main St. 5th Floor
Salt Lake City, UT
 
Evolution Insurance Brokers
(801) 304-5562
8722 S Harrison ST
Sandy, UT
 
Allstate-Ryan Davis
(801) 562-8866
2664 W 9000 S
W Jordan, UT
Alternate Phone Number
801 562 8866
Services
Auto, Home,Boat, Life, Renters, Condo

Lisa Smith Allstate Insurance
(801) 321-4039
1206 W South Jordan Pkwy # D2
South Jordan, UT
 
Workers Comp Fund of Utah
(801) 288-8708
392 East 6400 South
Murray, UT
 
Arnell Insurance Group
(801) 335-9970
230 W. 200 S.
Salt Lake City, UT
Services
Health Insurance, Wellness Programs, payroll services, Dental Insurance, Life Insurance

Long-Term Care Insurance Services
(801) 562-9119
257 East 200 South, Suite 100
Salt Lake City, UT
 

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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