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I always purchase trip insurance when traveling internationally. The first time I purchased it was when I was planning a trip and my stepfather was dying of cancer. He encouraged me to go and all was fine but the trip insurance would have paid for any change of plans that might have come up. On that same trip, the British transportation workers went on strike the day we were to leave. We took our chances and flew out anyhow but if that had caused our plans to change, trip insurance would have covered any extra expenses.
We've taken it for all overseas trips, but have never had to put in a claim, fortunately. I generally opt for the policy through AmEx travel.
Interestingly enough, my son was spending the summer doing research in SA, and I wasn't aware that this trip was not being underwritten by his school, so he was not insured. Due to the area he was working in, I was concerned that he might need medical evacuation. I called AmEx, and was told I couldn't buy a policy after the trip had already commenced, but dependents of a gold card holder are automatically covered for evacuation expenses.
Yes we buy it for our travels outside the US and on cruises. I had to use it one time as I had a heart problem 2 days before our cruise was to depart where I was hospitalized. Insurance reimbursed the whole trip costs. All I needed was a doctors slip.
I believe in the old adage "Don't leave home without it".
When I booked a trip to Cabo a few years back for my husband and I as well as son and DIL I took insurance ( I always do..if you can afford thousands for a vacation you can afford $100 bucks for insurance).
It was the year the Swine Flu I think was running rampart in Mexico, all though no where near Cabo. My DIL panicked and had me cancel her and my son and they were reimbursed 100% minus the cost of the insurance.
I have only had insurance for one trip so far. I tried to claim the money back on this same trip because I had a surgery that was suddenly arranged before leaving. Trouble was that they wouldn't let me have my money back because the original surgery had been scheduled earlier (after I bought the tickets, but still much earlier than my departure by months). Wound up going to Spain and Portugal anyways with a gaping surgical wound on my rear end.
Now I just assume they'll find any way possible to not pay it out and I haven't bought trip insurance since.
I have only had insurance for one trip so far. I tried to claim the money back on this same trip because I had a surgery that was suddenly arranged before leaving. Trouble was that they wouldn't let me have my money back because the original surgery had been scheduled earlier (after I bought the tickets, but still much earlier than my departure by months). Wound up going to Spain and Portugal anyways with a gaping surgical wound on my rear end.
Now I just assume they'll find any way possible to not pay it out and I haven't bought trip insurance since.
You had a pre-existing condition, which is why they wouldn't pay.
Yeah I know, but I'm still a combination of too cheap and too untrusting to ever invest in it again.
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