It’s astounding the way that safety and liability protection filters through our world, and how little people actually take notice to it. Last year, I went on a 6 week trip to Africa through a global organization. I didn’t know it then, but they were covering all their bases with trip insurance for every team member present. I was lucky that because they were such a large organization, they were forced to feel pressure to protect themselves and the people on their trips. But I wouldn’t have known to look for it. And if you’re taking a trip in college, going on your honeymoon with your new spouse, leaving for a cruise to the Bahamas with your friends or family for a week in the summer, chances are high that you aren’t aware of the insurance coverage available to you.
I was helping a friend of mine prepare for his trip to the Dominican Republic for 5 weeks this summer when it occurred to me that he wasn’t going through a global organization. His project is actually much smaller and only 3 years old. To be safe, I asked him to get in contact with the director and ask about travel insurance. It turned out that it wasn’t something that was covered in his initial expense quote or sponsored by the project. While it seems to be poor judgment on their part, this is probably a common mistake. This is why it’s important to be informed. When you travel, whether it is for a week or for a year, educate yourself about the potential risks and your options for prevention.
In a lot of foreign countries, your insurance card means nothing to their doctors. Especially in small, poorer countries, some hospitals still expect cash payment at the time of visit. If there is an emergency while you are abroad, don’t you want the comfort of medical coverage for an emergency prescription you need filled or an evacuation plan that you can afford? Further than medical coverage though, some trip insurance includes lost ticket, baggage, or passport coverage, as well as insuring unexpected trip cancellations.
When you’re preparing for your next trip make sure to:
Do your research – Find out what’s available
Talk to an expert – Call your agent; ask them to explain different plans and amounts of coverage
My friend was able to come into CLH and get quoted for his trip, and realized that the cost of protecting himself against what could drain a bank account cost him less than 100 dollars.
Don’t waste any time; call one of our agents today or stop by our office for not only a quote on your summer trip, but educated medical and safety advice from an agency that cares.
Posted by Melissa Caratachea