Medical and Trip Insurance

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Medical and Trip Insurance

Postby lillilland » Thu May 31, 2007 9:03 pm


I'm doing one of the Ecuador tours and this is pretty much my first time travelling / going somewhere that requires medical insurance.

I was wondering if it is very common for "incidents" to happen where people actually need to use medical insurance. I know it's good to have insurance, but I would like to know if I should be "prepared" to have something happen to me (e.g. getting sick from contaminated food).

I have the same question for trip insurance; do you find that things frequently happen that triggers the use of the trip insurance?

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Postby Hadleycat » Fri Jun 01, 2007 7:58 am

We always travelled with medical insurance but not always trip insurance. Fortunately we have never needed either. I would never leave home without medical thats forsure. It is Murphy's law that if I did something would happen. Better to be safe than sorry. As for the trip insurance, we have just started using it because our trips seem to be getting more expensive each year. Also my father inlaw wasn't well so we thought it might be better to have it. You just never know. I find I use it more if I have booked my trip far in advance, not so much when booked at the last minute, we do that a lot too. But again we have never needed either. I guess it is a personal choice as well.
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Postby ballu » Fri Jun 01, 2007 9:14 am

I've always had both but never needed it.

Someone once told me, "it's better to have it and not need it, than to need it and not have it".
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Postby hikergal » Fri Jun 01, 2007 9:26 pm

I've always had some form of medical insurance, but never trip insurance.

Then last August, on a trip to Italy via London, England, I was stranded in London during the big airline terrorist threat. My airline would not cover any of the additional costs for lodging, food and transportation, so I was stuck paying over $500 US just for one night's stay, as I was lucky enough to fly out the following day and make it to Italy.

A lot of trip insurance policies wouldn't have covered terrorism, but in the states AAA (Auto Club) sells one that does, and now, I never travel without it, cus you never know what might happen. The insurance policy is with the company "Access America" and covers international travel.

Happy and Safe travels!

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Postby Louise26 » Tue Jun 05, 2007 11:07 am

HI! I'm from England and nobody I know travels without travel insurance. Our insurance usually covers everything, from theft, delay, medical, etc. There are different policies that you can choose from. Some are cheap, basic and only cover for basic possessions and medical emergencies whereas some companies do 'platinum' insurance which covers everything including 'dangerous' sports.

Always check the small print. What activities are included and, more importantly, not included? How long does it last for? Is there an excess? Remember to take policy numbers and 24 hour English speaking international phone numbers.

It's not worth the risk, not getting it.
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