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Travel Insurance - What You Need to Know Before Travelling Abroad Salem OR

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.

Oregon State Bar Professional LiabilityFund
(503) 639-6911
5200 Southwest Meadows Road P. O. Box 1600
Lake Oswego, OR
Prices and/or Promotions
States/Provinces Served: Oregon

Insurance Services of Southern Oregon, LLC
(541) 476-3527
831 NE 7th Street
Grants Pass, OR
Alternate Phone Number
541-476-3527
Services
AUTO * HOME * LIFE * COMMERCIAL
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http://www.insurancesso.com

Western Long Term Care
(541) 390-4697
19935 Cliffrose Drive
Bend, OR
 
TMB Financial LLC
(503) 861-9402
1087 Nautical Dr
Hammond, OR
 
Senior Insurance Services
(541) 317-2859
PO box 15
Bend, OR
 
Keith Skinner Agency
(541) 776-0673
1112 Progress Dr., Ste 103
Medford, OR
 
Edna Rodriguez Farmers Insurance
(541) 284-8996
1650 W 11th Ave, Suite 5
Eugene, OR
Alternate Phone Number
541-284-8996
Services
Auto, Home, Business and Life Insurance
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Hablamos espanol

Choices insurance Agency
(503) 653-1212
617 High St Suite 205
Oregon City, OR
Alternate Phone Number
503-653-1212
Services
Auto, Home and Commercial

Fox Insurance Agency
(503) 277-2300
8040 SW Hall Boulevard, Suite 100
Beaverton, OR
Alternate Phone Number
(503) 277-2300

Brian West Insurance Agency
(503) 690-4994
16157 NW Cornell Rd. Ste 109
Beaverton, OR
 

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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