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Travel Insurance - What You Need to Know Before Travelling Abroad Sparks NV

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.

Accurate Insurance Services
(775) 673-3229
5055 Sun Valley Blvd
Sun Valley, NV
 
Accurate Insurance Services
(775) 673-3229
5468 Sun Valley Blvd
Sun Valley, NV
Alternate Phone Number
7756733224
Services
Independent Insurance Broker

Universal Health Network
(775) 356-1159
639 Isbell Rd Ste 400
Reno, NV
 
State Farm Insurance-Mike Whitford
(702) 463-2400
6485 N Decatur Blvd Ste 150
Las Vegas, NV
 
Nationwide Insurance
(702) 304-1600
7331 W Lake Mead Blvd Ste 104
Las Vegas, NV
 
Accurate Insurance Services
(775) 673-3229
5468 Sun Valley Blvd
Sun Valley, NV
Alternate Phone Number
775-673-3229
Services
Car Insurance,Life Insurance,Home Insurance,Mobile Home Insurance,Health Insurance,Retirement Planning

Balsiger Insurance
(775) 287-4274
6380 Mae Anne Ave, Unit 7
Reno, NV
Alternate Phone Number
(775) 826-1559
Services
Business Insurance, Commercial Insurance, Personal Insurance
Prices and/or Promotions
Bar & Tavern Insurance, Cyber/Data

Burns Insurance Agency, Inc.
(702) 914-6730
2185 E Windmill Ln Ste 100
Las Vegas, NV
 
Preferred Insurance of Nevada
(702) 368-2080
8380 W Sahara #110
Las Vegas, NV
Services
Insurance, Car Insurance, Auto Insurance, Home Insurance, Insurance Agency

National Healthcare Access, Inc.
(702) 617-1777
215 E Warm Springs Rd Ste 109
Las Vegas, NV
 

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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