Sadly, not all vacations are accident-free. You can never be sure about sudden illnesses and other medical conditions either. Unfortunately, a lot of people only find out the restrictions and inadequacies of their workplace travel or credit card insurance coverage when it is already too late.
More often than not, the truth about travel insurance will surprise many people. Therefore, it is a must to have awareness and profound knowledge about getting insurance in your travels, vacations, and business trips. A lot of people realize things the hard way that their government health insurance and the coverage of their credit card does not cover them for what they really need in the event of travel emergencies.
There are lots of myths surrounding travel insurance and these are two of the most prevalent myths out there:
1. Provincial health insurance reimburses individuals from medical and hospital bills in relation to illnesses and bodily accidents outside of the province or country
In reality, most, if not all, provincial travel insurance do not cover people for medical emergencies that occurred outside of the country.
For example, ?All Health? only covers holders for 400 dollars a day while the average American in-patient visit is ten times that value.
2. Credit cards include travel insurance coverage
The only factual thing about this credit card myth is that credits cards only covers people for accidents only and not illnesses. For some it will suffice but when traveling outside the country, one should be covered for all possible medical emergencies. It is very difficult to get sick in a foreign land.
So better get yourself a full medical coverage.
People should realize that you don?t need to rely on luck as long as you have the right insurance. Make sure that your insurance concurs with the degree of risks in your trips. Having the right travel insurance can help you save thousands of dollars in the long run.
There is a plethora of potential travel problems that can happen. When you are stuck in an airport and your flight is severely delayed, do you think the airline company will take care of the bills for your food and lodging? No. They are not required to help you with that.
The thing that can really help you in such scenario is having your travels insured. However, keep in mind that there is always a fine print. You need to know those things written there to make sure that you can have strong claims. It pays to know exactly what is covered and things that are excluded. Check you other insurance and credit card coverage. Make sure that you?re not duplicating coverages.
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Source: http://www.blogbrighter.com/why-travel-insurance-is-needed
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