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How Can Travel Insurance Save Lives?

Going back to the US from the UK always was smooth sailing. We’d visiting family and friends a couple times a year, not thinking much about the details of the trips. After all, I was just going to see loved one in my old hometown, not do anything dangerous. So why would I consider any coverage?

Last summer when I went to the US for a visit, I started having debilitating panic attacks. I was inconsolable. And scared. This wasn’t anything I ever thought I’d experience on a simple visit, so I had no plan. But I had to see a professional – it couldn’t wait until I was back in the UK. My family had to take me to the emergency room, with zero insurance, to be treated. I’ve never had this experience in the US before – and it’s a crippling financial situation to be in, made even worse while you’re in distress.

blonde girl on a stone wall overlooking a city

I’m a giant advocate for travel insurance, no matter your health or financial situation. It takes a few minutes to purchase and can help with everything from lost luggage or documents to unexpected illness and natural disasters. I won’t offer suggestions, because you need to find the plan that personally works best for you. Do some research and give yourself the freedom to not worry about your well-being while on the road.

What can Travel Insurance Do?

US citizens are required to have health insurance they must pay for (or their employee), or they face a tax penalty. UK residents enjoy universal healthcare for all throughout the country. When I travel to a distant location or know I’ll be partaking in some adventurous activities, I’ll pick up some short-term coverage. Recently I’ve looked into annual coverage on top of my regular private and country-mandated insurance plans as I do travel several times a year.

Travel Insurance can cover:

Travel Issues: Missed flights, lost luggage, stolen gadgets and more can be claimed on a plan. Those prone to accidents or those who want help when an airline is being difficult will want to try this type of coverage.

Outside Influences: Maybe you’re physically sound, but there’s a political coup or a hurricane coming. Travel insurance can help get you out of a country, connect quickly to a consulate and more.

Medical emergencies: Weather it’s disease or an injury, coverage can take financial care of things like medivacs and hospital stays. Many plans come with and advisor or direct line to help pay for things in real-time as needed too.

medical helicopter

Why is Travel Insurance Essential?

Until it happens, you don’t think about things like travel insurance for cancer, or an accident, or other dire scenario. I’m fortunate enough to be fairly young and healthy, so I assumed I was exempt from worrying about this, just like life insurance. But for a small investment, it’s so worth the peace of mind to know you’ll be taken care of. And not just while traversing the globe in far fling destinations, but also when you have quiet visits back home too.

I had no history of mental health issues when disaster struck for me while traveling in a country where I wasn’t covered. I can’t imagine if something worse happened. Please consider travel health insurance, no matter where you go, so you can relax and simply enjoy the ride.

Have you had somehing happening while traveling and not been covered? Do you get travel medical insurance or another plan when you take trips?

 

EileenCotterWright

Author EileenCotterWright

Eileen Cotter Wright is a Boston, MA expat living in London, UK. She is a freelance writer and owner of group travel site PureWander.com. Despite losing her passport the first day she left her home country, she's continued to roam the earth with gusto for about a decade. You can keep up with her hot mess adventures on Twitter @Crooked_Flight.

More posts by EileenCotterWright

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