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Travel Insurance - What You Need to Know Before Travelling Abroad South Portland ME

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.

INSURANCE HERE IN MAINE
(207) 541-9400
26 Atlantic Place
South Portland, ME
 
John Rand Agency - Allstate Insurance Co
(207) 657-7911
31 Lewiston Rd
Gray, ME
Alternate Phone Number
(800) 896-1401
Services
Life Insurance Agency, Life insurance, Auto Insurance, motorcycle insurance, Landlord Insurance, homeowner insurance

INSURANCE HERE IN MAINE
(207) 541-9400
26 Atlantic Place
South Portland, ME
 
John Rand Agency - Allstate Insurance Co
(207) 657-7911
31 Lewiston Rd
Gray, ME
Alternate Phone Number
(800) 896-1401
Services
Life Insurance Agency, Life insurance, Auto Insurance, motorcycle insurance, Landlord Insurance, homeowner insurance

Amy Alward Agency Inc
(207) 767-3334
95 Ocean St
South Portland, ME
 
Ruben-Fortier & LaCourse Biddeford Insurance
(207) 282-5139
289 Main St
Biddeford, ME
 
Ruben-Fortier & LaCourse Biddeford Insurance
(207) 282-5139
289 Main St
Biddeford, ME
 
Boylan Insurance Group
(207) 236-6450
195 Commercial St
Rockport, ME
Alternate Phone Number
207-236-6450
Services
Auto, Home, Renters, Motorcycle, Snowmobile, ATV, Boat, Life

Douglas Strout Health Insurance For the Self Employed
(207) 799-7609
South Portland, ME
 
Blake Hall & Allen Insurance
(207) 799-5541
170 Ocean St
South Portland, ME
 

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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