Travel insurance – to buy or not to buy?
This form of insurance covers trip cancellation and trip interruption, but only for non-refundable prepaid costs. We really don’t have any of those; our plane tickets were covered by airline miles and we haven’t prepaid for any lodging or tours. Travel insurance also covers medical emergencies, but 1) it excludes preexisting conditions, and 2) we will have COBRA insurance to cover us anyway. Baggage is also covered, but we have personal property coverage through our homeowners insurance.
We have never purchased travel insurance for any of our trips in the past. Why not? Two reasons, probably: we didn’t see any value in the coverage and we are cheap. Up to this point, we have not regretted not purchasing the coverage.
Not, of course, that we haven’t had medical emergencies. I have had to seek emergency treatment in Europe on two occasions, one of which necessitated surgery and a hospital stay. That was caused by a preexisting condition and ended up being billed to (and paid by) Kaiser.
But just because I haven’t needed this coverage in the past, does that mean I am going to go without it this time? No, I am realistic. Both Quinland and I seem to be prone to frequent odd medical situations / accidents. We’ll almost certainly get the travel insurance. I just need to put it on the To Do List.
- I’m grateful! to our friends for offering us their European cell phones for the trip.
- I’m lighter! We had a lovely good-bye happy hour with our friends Mark and Sarah, sitting around a firepit at the Hotel Modera. Once the flames stopped licking at me, I realized how cold it was outside this evening.