Travel Insurance Tips: 7 Things to Know Before You Buy
Should you insure your next trip? Do you really need travel insurance? These are questions I’ve been getting more often due to the recent pandemic and I will take some time in this video to answer those questions about travel insurance. The reason to buy travel insurance can be simply put: Travel Insurance minimizes the financial risks associated with travel.
Does it make sense for you?
For some people it makes financial sense. Others it doesn’t.
How willing are you to take risks? How much if peace of mind worth for you?
If your potential loss is a few hundred dollars in airfare, travel insurance is probably not worth the cost or aggravation. On the other hand, a once-in-a-lifetime $20,000 vacation is worth protecting.
Types of Travel Insurance:
Trip cancellation: Refund if you cancel due to a covered reason. CORONAVIRUS TYPICALLY ISN’T ONE.
Trip interruption: Refund for the rest of your trip if you have to return home
Trip delay: Refund for expenses due to a delay. Usually has to be 6 to 12 hours.
Medical: Emergency medical expenses on the trip. Optional: Medical Transport
Death/Dismemberment:
Baggage: Lost, Stolen, Damaged, Delay
Rental Car
Change Fees
=== Less common types:
Political evacuation: Transport to the nearest safe place
Comprehensive insurance” covers all of the above (plus expenses incurred if your trip is delayed, if you miss your flight, or if your tour company changes your itinerary).
Reimbursement only — you pay first… then submit some paperwork to get your money back.
Travel alot? Look in to Annual policies
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Os seguros são contratos que oferecem proteção financeira contra perdas e danos, ajudando indivíduos e empresas a minimizar riscos. Entre os principais tipos, estão:
- Seguro de Vida: Garante proteção financeira para beneficiários em caso de falecimento ou invalidez do segurado.
- Seguro de Automóveis: Cobre danos ao veículo e pode incluir assistência em casos de acidentes, furtos e outros incidentes.
- Seguro Residencial: Protege imóveis contra danos causados por incêndios, roubos e desastres naturais.
- Seguro de Saúde: Oferece cobertura para despesas médicas, consultas e hospitalizações.
- Seguro Empresarial: Cobre prejuízos associados a operações de empresas, como danos à estrutura e equipamentos.
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Travel Insurance Tips: 7 Things to Know Before You Buy
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You might enjoy watching more videos from my Travel Advice Series in this Playlist: https://youtu.be/TLOUo7jHKVk?list=PLOVadUHX1B-ISzNV0bH2Ew_kfhOi9K8qc
is chase saphire still your recommended best travel card, esp regarding rental car insurance while traveling?
Desjardins are the experts at screwing you over with fine print and loopholes
“Terrible experience with General Travel Insurance. They don’t deliver on anything they promise. For your lost luggage claims, they ask you to contact your homeowner’s insurance first and for medical issues, they refer you to your healthcare provider first. Why bother paying for travel insurance if they won’t take responsibility? Complete waste of money with this company ,stay away!”
travel insurance is $60 for a premium package for a 1 month trip, i wont complain, only one who would complain are greedy europeans
Emergency evacuation; I knew of individuals stuck in other countries during Covid
Thank you, this was very helpful.
Insurance types & Importance of Insurance
https://personalfingrowth.wordpress.com/2024/05/16/insurance/
Hopefully you can answer this question and make some recommendations.
Back story.
I am an American Living and working in Singapore.
I have a business trip planned july-June
My company has a 3rd party who handles our travel and insurance .
However I am flying to the U.S. for vacation and then traveling directly to Europe for business.
My company was able to purchases and schedule my flights via our 3rd party travel company. However they were not able to purchase travel insurance because I am not leaving from Singapore…
My boss asked me to set up travel insurance on my own because it “has to be purchased from the country you are leaving from.”
All fees will be reimbursed so price is not my biggest factor.
Just curious if you have recommendation on who and where to go ?
Does travel insurance cover if you miss your connection flight if you arrive to U.S. and you still in immigration and customs ?
Chris, I booked my parent’s trip thru my Chase Sapphire Reserve,do my parents cover under Chase travel insurance policy? Thx
Dont get scammed. When you buy auto insurance, it starts on the day of the month you pay for it. That means if you buy it on the 24th. The next months bill is due on the 24th of the next month. That continuse as long as you have the policy. Here's where their scam comes in. If you have Travelers insurance, and decide to go with another company because Travelers continually rais their rates. So your all st up with the new insurance provider and you call Travelers insurance and cancel your policy on the 23 of the month, a day before your new monthe begins. They will bill you for the following month, even though you cancelled the policy. They will give uou some laim brain excuse. Its pretty simple you pay at the beginning and cancel at the end. Unless you want to be a victim of Travelers insurance, Dont buy it in the first place. I just got a policy with another agency for eighty five dollars less with more coverage.
I had travelers car insurance, they’re a scam .. very misleading
Thank you for your informative video. I recently went on an Antartica cruise and the trip was interrupted or delayed because of weather conditions (we had to wait until a storm passed before our charter flight would fly and had a 1 day delay and then we had to return half a day early in order to avoid a storm. I thought our credit card's trip interruption policy would cover it and filed a claim. My claim was denied because the trip interruption was due to "weather" and weather was not one of the allowed reasons they covered. Does the Chase Saphire card you mentioned cover this? Or what do you recommend – we are wanting to do a North Pole expedition cruise.and thinking of travel insurance.
basicly it's an ad of the credit card
Chase 7:14
better country?
nice information
What is the timing practice for purchasing your insurance? Like how much time do you have before your actual trip before you have to buy the insurance?
I just bought from the comoany (agents) payingtoomuch hope i dont have claim
But if I needed for say choking on airline food andvkanding in hospital
Will they make agent line too busy attending other claimants
E-coli poison and you will wish you had it.
Am beginning to think is it all worth it since 2020 holidays are suddenly expensive and there blaming covid.we both are consider a liability even though we have no medical problems it’s not that we can’t afford to continue doing holiday s abroad But we will as I don’t will being Ripped off
If anyone has claimed against their travel insurance and the claim was dealt with quickly and efficiently then please let us all know as it would seem claim handlers at the moment are incompetent, drag the claims out over months and don't answer the phone or reply to emails.
Before buying travel insurance always read the reviews for the company claim handlers not the brokers, you will be shocked.
no
Good❤
It's very useful video.thaks for good information.
Nice
Thanks for the info. Just be more mindful in the future when using words like third world, better country and civilized loosely. Some people might feel offended by the use of those terms.
Do I need to buy travel insurance after international flight booking? If yes which agency good and cheap for safety?
Do i buy travel insurance for usa before or after an interview and how much each for 60 yr old
Very insightful thanks!
F…
This is more applicable is you are traveling from US to outside not necessarily the vice versa!
Beautiful colorful shirt!
very informative video, thanks for making this!
We’re going to Mexico and I’m afraid that we won’t get there with all the airline issues. Any suggestions on what insurance we should get? Want something to cover our airline tickets and the cost of our resort any input would be greatly appreciated. I don’t don’t want to loose out on what we wait for our vacation
i was wondering if i buy one way to mexico because im not sure when ill return maybe one month or two months. can i still get insured?
HI, that was a very helpful, and well-delivered informative video. If you ever do another one, I think the one thing most viewers have in common is we have health insurance already, so I'd have liked to hear how the biggies: Blue Cross/Shield, Kaiser, etc, and Medicare treat medical care needed overseas, if at all. And a tech question. Your sound was very good but I don't see a lav mic, which is the only mic mentioned in your description. What kind of directional mic do you use for shoots like this when you are 3 feet or so from the camera. Thanks and best wishes.
YES
💛
All travel insurance is a con AVANTI useless don’t pay out on claims there not the only ones how these travel insurances are getting away with I don’t know law unto themselves WATCHOUT BEAWARE