6 Questions to ask yourself about Travel Insurance

Planning will save you headaches

Summer is upon us which means another exciting travel season! 

Crazy things can happen like a heart attack while out of the country.  It happened to my client after a Bermuda scooter accident.  Most travel insurance policies are confusing so ask yourself the following questions before buying anything:

1. Does my health insurance policy cover me? Good question as most traditional Obamacare policies offers zero overseas coverage.  Ask your broker.
2. What about my medicare supplement or Medigap policy? Some Medicare supplement policies like AARP & United Healthcare plans will cover injuries up to $50,000.  It depends on which plan between C-N you have. 
3. Does my credit card cover anything? It depends on your card.  The Amex platinum card, for example, will cover emergency transportation if you need to be airlifted or flown to a special hospital.
4. Do I take dangerous risks? If you go to 3rd world countries with poor medicine, do extreme sports, high-level kayaking, zip-lining or hiking perhaps you are a candidate.
5. What about policy pre-existing conditions? If you are diabetic and/or have chronic conditions like bad knees then you should consider a policy.  Call your broker and/or go to www.InsureMyTrip.com for policy comparisons.  Read closely the limitations and waivers for pre-existing conditions before making any purchases. 
6. Do I need to buy travel or cancellation insurance? It depends on your answers to questions 1-5! 

Feel free to reach out to us if you’re going away and need to figure this out, you’ll be glad you did!