How to Choose Travel Insurance in 2024 | Know what's covered (and what to look out for!)
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- Опубликовано: 30 июл 2024
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Welcome to Portable Professional, your go-to resource for stress-free travel.
Megan here, Hello! I’ve taken well over 300 flights and countless trips in the last decade. I have learned how to have seamless travel experiences without unnecessary stress and anxiety. I’m here to help you also feel confident about your travels while making the most of every trip.
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I would NEVER risk taking a trip without travel insurance.
👉 bit.ly/PortableProfessional-Insurance
As a Canadian, something as simple as breaking an ankle in the US could cost 1000s.
In the last few years I’ve had friends:
⚠️ Need rabies shots after being scratched by stray cats or monkeys
⚠️Be airlifted off a mountain with a broken leg, or from altitude sickness
⚠️Spend 6 weeks in a Thai hospital recovering from Dengue fever
⚠️Suffer 3rd-degree burns from a motorbike crash
… I could go on…
I strongly believe travel medical insurance is ESSENTIAL for every traveler, and it doesn’t have to be expensive! I saved $100s by switching to SafetyWing in 2019. Coverage starts at $1.32/day- less than your cup of coffee.
👉 bit.ly/PortableProfessional-Insurance
Hi Megan ' I just googled Safety Wing Travel Insurance & Bookmarked It On My PC Fav Page . I have used domestic airline insurance for travel within the U.S. I think your idea of better coverage with Safety Wing is AAA+ Thanks Megan .
Quick question, is it better to get travel insurance from the airlines or 3rd party? I want insurance to cover cancellation for any reason just in case. Which one should I go for?
@@28ebdh3udnav Consider web searching travel insurance.
Is Safety Wing better than the others?
I don't know, but it's not listed with Forbes travel insurance,
I used to work for a roadside assistance dispatcher and our job was to ask leading questions to find any reason to deny coverage... The biggest thing to be aware of and ask about is whether the insurance company will do the booking planning and dispatching or if it's just one of those reimbursement types of insurance... My experience is that reimbursement type policies have many more caveat because they are after the fact and can deny coverage in a less emotionally-charged environment... Insurance is psychology... Fear of the unknown...
For stolen items from baggage, sometimes it’s worth filling a claim with the airlines. I had to check my carryon when traveling internationally from MX back to the US and about $800 worth of electronics were stolen. I submitted a claim with receipts for the items and was reimbursed by the airline for everything. It took almost 8 weeks to get reimbursed though.
Great tip!! That must have been so frustrating to lose the gear, but amazing that the airline came through for you. Thanks for sharing!
Thank you so much! I recently went to Paris, Rome, Florence, Venice, Prague and Vienna (different trips for most of them) all without travel insurance and I was always really worried. I was always just so overwhelmed with the different companies, etc. I'm about to leave for Spain (I live in CO) and I just signed up for 8 days of travel insurance for only $26! Thank you so much! I used your link of course. I feel so much better and will use them again when I go to Ireland soon. Perfect timing.
Woot Woot! Love this! Thank you so much for taking the time to share. Sounds like you are quite the traveller! I was pretty excited too when I saw the rates for the coverage you get! Safe travels and have a blast!
I spent an hour on the phone with someone at AIG. They are thorough and explain it all so well. A testament to the fact that if you NEED their help, they will answer the phone and know what to do. I got an annual policy pretty inexpensive. It does not cover the cost of the trip, that would be an extra 'rider' for just the trip, but it will cover interruption or baggage problems etc... with annual limits on those things. After having a friend go thru HELL to get home when she broke her arm on a cruise, I swore I would never travel again without the medical part, and since I travel almost every week for work, it's essential. My company pays for the travel expenses... but medical isn't covered.
Such great info Megan! Very helpful...
This was my second time watching this video. It's very well done and informative. Thanks!
Great video Megan
Thank you so much. I watched the whole video at work. But I will watch this again.
A lot of great detail thanks.
Awesome to hear! Hope it helps with decision making for the next trip!
OMG this was super helpful!! I am going to use safety wing
Great info for your 2 insurance videos. Thanks n more power!
Definitely keeping this in mind next time I travel! Thanks for the great info!!
Super, can't wait for an update on the 2020 adventures!
Thanks for the information and advice!
You are SO welcome, Elizabeth! Great to have you here :)
Just discovered your channel. Going on my first solo to Thailand this month, this is good information. Thanks.
Awesome, Jason!! I'm excited for you, such a magical experience the first time. Enjoy and stay safe! :D
very informative, thank you !
Awesome, glad it was helpful and great to have you on the channel!
GOOD INFORMATION
Thanks for all the pertinent info! I've never purchased travel insurance, but I plan to for my next trip. I was wondering if you're still using Safety Wing, since this video was made a couple of years ago. Thanks!
Its what we need to know about travel insurance
thank you
As a Canadian, SafetyWing does not let me buy in advance while I am still physically in Canada, which is not ideal for Phuket sandbox program to enter Thailand 2021 to obtain COE which requires proof of insurance. Do you have any other recommendations so I can get insured even before flying out? Please help!
hi, Thank you for sharing these details. I have checked this insurance, there are two items I do not like it. 1. If your spend less than &250, they do not compensation at all. 2. the most important of travellers are laptop, phone and other electronic, but if you missing them, the insurance doesn't do any compensation either. Do you know any other medical insurance? Thanks.
Very informative and clearly explained in details!
Awesome to hear! Happy travels and catch you back on the channel soon. Appreciate the comment!
Great job Megan! Awesome advice! :)
Thanks, girl! Also ... your RUclips handle. Gold. 👌😂
U 2 very niCe😀
Great advice!! Definitely going to check for a good travel insurance!
Oh please do, so important! Great to have you here and safe travels :)
I'm so happy!! This video is just what I needed for my upcoming trip!!
Great to hear, Kirsten! Glad it was helpful, travel insurance is a tricky one!
Very niCe Plz give Whatsapp numbr
Great video. Concise and to the point
Glad it was helpful!
Very well covered!
I won't travel without it!
Any advice on what insurance to get for an all inclusive resort? Going to Mexico soon and I’m worried about not getting due to the airlines. Looking for something that would cover our resort cost if we miss it. Any suggestions would be greatly appreciated:)
I'm going right now to google safety wing travel insurance and place it on my pc fav pages , thanks for this info Megan .
Awesome, Timmy- good luck with future travels!
Very helpful video!
Thank you, Beth! Welcome to the channel!
Thank you for your informative video. I recently went on an Antartica cruise and the trip was interrupted or delayed because of weather conditions (we had to wait until a storm passed before our charter flight would fly and had a 1 day delay and then we had to return half a day early in order to avoid a storm. I thought our credit card's trip interruption policy would cover it and filed a claim. My claim was denied because the trip interruption was due to "weather" and weather was not one of the allowed reasons they covered. What kind of insurance or credit card do you recommend that would cover this?
Thank you so much! I plan on starting to travel in 2024 so this was super useful. I'm going to check out Safety Wing, they sound awesome :)
Glad it was helpful! Happy travels!
I never even thought about travel insurance before! Definitely will be now!
Gah, Breigha, so important! I'll be on your butt about it next time leaving Canada! :P
Hi there, does Safety Wing cover guests traveling from UK/US to Ghana, Kenya or Nigeria?
Tha ks for the video. After looking Into nomad the I my drawback for me is only cover $50 a day for covid iso
so many complaints about travelguard, geoBlue, etc. denying claims, not responding timely to phone calls and e-mails. Is there a company who is best about paying claims?
GREAT video by the way very good. By far the best one on this subject anywhere.
Awesome feedback, much appreciated!! Most insurance companies have complaints regarding their claims process. Please generally leave a review when they are not happy. I can only speak for the one I have experience making a claim with- bit.ly/PP-safetywing. I did a video on the claims process (political evacuation from Vietnam) and it was SO easy. I called and said I would like to fly home to Canada, they booked the flight for me, no questions asked. It was 100% covered and I flew out the next day!
If I have emergency medical travel insurance, can I go to a hospital in countries like Mexico or Columbia show them my insurance card and not have to give them $1000s on the spot???
I’ve seen so many stories of countries that want tourists to pay $5,000-$20,000 on the spot before they do any procedures.
Great video, please update more about travel insurance to Nha trang city, Vietnam please
This was a great video! Thank you for the info! Is there an insurance company that covers medical and trip cancellation etc. under one cost? Thanks for your videos! Always good info.
Single trip does.
Thanks for the video! Definitely skipping my annual check-up 😛
Also, do you speak yiddish?
Does travel insurance cover to see dermatologist? I have skin problems
Is safewing only cover for American? I’m Canadian, going to Bali
Hi , can you please advise which ins company will cover for the hotel expenses if using time share points.?
none will cover something that was not paid for in actual money. It's in the fine print. No miles, no points, nada. You have to have an actual invoice to prove you spent real money on it.
Hey. Everyone talks about being “covered”, and really means you have to pay for their service, and submit paperwork for reimbursement. Let people know this ! Someone may think just show their insurance card in Italy, & medical coverages is taken care of. Not true.
Some countries don't require it but I get one anyways before I travel but if you request for a embassy letter through your insurance company, your insurance will send you documents verifying the insurance and that you are covered. You can just present this to the health physician and it acts like a health card.
This allows for the health facility to directly invoice your insurance company. Without it you have to pay upfront and submit receipts to your insurance company yourself for reimbursement.
Safety wings will only insure up to a certain age very difficult getting health insurance here in Thailand
Can you purchase travel insurance at any given point and it will immediately start covering you? E.g. if I was already travelling and decided I wanted travel insurance that I didn't have already, could I simply purchase and be at rest?
Call AIG, I think the lady I talked to said you could. At least for the medical part. Some require that you have to wait a certain period of time. AIG is immediate.
thanks megan im going to sign up for that. how do i give you a referral bonus
Hi Michael- awesome to hear you are interested in SafetyWing! Just use my link here: bitly.com/PortableProfessional-Insurance (or from the description) and I will receive a small referral bonus at no cost to you. I really appreciate you taking the time to ask and check-in. Safe travels and see you back here soon!
Good information. I’ve always be confused and a little skeptical @bout travel insurance.Wondering if you’re compensated by SafetyWing. Just wondering as I think it’s relevant.
check reviews. I just bought an annual policy with AIG. I called them and talked to the agent for about an hour. There is also a few sites that review the companies. It's not expensive, and if you can find the reviews you will see how 'good' they are.
I'm 71 years old, a type 2 diabetic (no medication at this time) with a heart condition and COPD. I might as well stay home. I'll never get medical traveler's insurance with my conditions.
I wish you and your loved ones a Merry Christmas and a Happy and
prosperous New Year together with good health and a long life.
Thank you so much for such a sweet comment, Fernando! Right back at you, all the best in 2020!
please fix your clock great video
A lot of countries are no mandating visitors have emergency medical travel insurance.
It seems like medivac and repatriation insurance as will as universal cancellation insurance is good to have.
Yes, all good to have, but for me personally not all necessary. If you book everything in advance, definitely go for the cancellation insurance 👌
Love u my cute Bird❤
So cute
Going on my first international trip to Japan, this info was really helpful! Thanks!
That's so exciting!! Safe travels and have a blast!
And don't go near active volcanoes. Got it.
Yes haha the main takeaway!!
And also get Volcano insurance
We were in Iceland when the volcano went off grounding all flights.
I encouraged my friend to get travel insurance with his ticket and he listened and got it. His cousin was on the same trip with a free airline ticket, no insurance, and suffered a major stroke in a foreign country. They told him he had to give $6000 to be held and seen at the hospital. Wow.
That’s what I fear! Getting travel insurance and still have to pay $1000s on the spot. I’m still getting the insurance though
@@CarmenSD If you request a embassy letter through your insurance company and carry it with you when you travel, you can present it the the hospital and they will bill the insurance directly and not you. Most insurance companies require invoices in order to pay the bill.
@@deadcell1 also, if you call the insurance company FIRST they will coordinate all that. At least that is what they told me when I talked to the Agent at AIG last night. We spent about an hour on the phone.
Hmmm guess Isreal anytime soon will be a hard one. uffff Thanks for this post.
Different address me and my boy friend but he paid both ticker still I can❤❤❤
Please don't get the idea ones insurer will immediately pay things like medical bills! I was in Vietnam in November 22 and broke my primary arm in two places, which sent me home early. I was insured, but the hospital wouldn't accept anything other than cash or credit card (thankfully, Vietnam's medical care is affordable! X-rays, visit with physician, setting the arm, medications - and a free meal provided while waiting for the X-rays to develop! - $330!)
Upon returning home, I had to file a Claim with my insurer. They then dragged their heels for nearly three months before paying it. Almost weekly I'd get emails asking for additional information. Just stalled as long as they could.
Whatever insurance you choose do not choose Allianz travel insurance. I choose it for concert tickets and couldn't go because wasn't feeling good. But because I didn't go see the doctor on the same day they denied my claim. Avoid Allianz travel Insurance at all costs.
So we have learned the hard way that if you forgot your cellphone on a train world nomads don't cover it because according to them we left it unattended.
Oh no, Dalena! That sounds awful, but I am not surprised to hear it... insurance is going to try to get you on any loopholes. So sorry that happened.
> cancel for any reason feature , not just covered contingencies
TORONTO - A group representing Canadians who spend part of the year in sunnier climes has filed a legal challenge against Ontario's decision to scrap out-of-country health insurance, saying the government's move violates the Canada Health Act.
The Canadian Snowbird Association announced Thursday that it was seeking a judicial review of the changes, which came into effect on New Year's Day.
"These cuts are an egregious violation of the portability requirement of the CHA and must be addressed head-on," association president Karen Huestis said in a written statement.
The program covered out-of-country inpatient services up to $400 per day for higher level of care, and up to $50 per day for emergency outpatient and doctor services.
Health Minister Christine Elliott announced last May that the government would cut the program, saying it was costly and did not provide value to taxpayers. The announcement followed a six-day public consultation.
The snowbird association had previously said it was seeking an injunction, but spokesman Evan Rachovsky said that's still up in the air as they focus on the upcoming review, which has a court date set for June.
He noted that the organization was founded on the issue of travel health insurance in the early 1990s, when the provinces were making cuts to the program.
"Now the challenge is more pressing, because you're not talking about a reduction in benefits or a reduction in reimbursement rates, you're talking about the elimination of the program in its entirety," Rachovsky said.
A spokeswoman for Elliott wouldn't comment on the case as it is before the courts, but noted that the program was largely ineffectual, paying out only five cents of every dollar claimed.
"With this limited coverage and low reimbursement rate, OHIP-eligible Ontarians who do not purchase private travel health insurance can be left with catastrophically large bills to pay," Hayley Chazan said in an email.
Elliott has previously said the province spent $2.8 million to administer approximately $9 million in claim payments through the program every year.
In a July letter to Elliott, the federal government warned that scrapping the program could cost Ontarians.
"If all publicly financed reimbursement of out-of-country physician and hospital services is eliminated, private health insurance premiums for travellers will inevitably rise for all Ontario residents," then-health minister Ginette Petitpas Taylor wrote. "Even modest increases could pose a hardship for some individuals."
Provincial NDP health critic France Gelinas said the change means Ontario is the only province or territory that does not provide some basic health coverage to residents while they are outside Canada, even if it is a small amount.
"There are so many people who will never be able to buy insurance," she said. "It's just not feasible or affordable for them. For them, that little wee bit of a guarantee was there and was meaningful."
This report by The Canadian Press was first published Jan. 2, 2020.
-With files by Shawn Jeffords.
Nicole Thompson, The Canadian Press
Nyc
Oh sweet! Will it be your first time?! 😃
@@PortableProfessional yes
$250 deductible for us here in US.
that was helpful. btw you do need to wear a helmet in indonesia ;)
2:20 lesson...never see the doctor unless emergency....or go to doctor that will not share medical history.
Megan: I know this video's five years old but wanted to ensure you were aware residents of the U.S. are not eligible for Safety Wing health insurance....:-(
This is one long ad for SafetyWing.
This is the best video on travel insurance that I have seen! I have been binge watching them. In 2019 I and my daughter went to Austria and I purchased travel insurance. After we returned I went through my paperwork for the trip and read the policy and realized that it did not cover what I thought it did...I thought the policy covered everything.
Thank you for this well done explanation! I am planning a trip back to Austria and Slovakia in September. I'm so grateful for this comprehensive instructive video.
Safety Wing is full of Shite, I got this insurance after watching your video and when things went wrong they didn't want to know me. Avoid this insurance agency. You will just lose your money.
I am always leery too when it is "too good to be true". The proof is in the pudding.
Looks like SafetyWing won't cover anyone over 69.
You stayed in a Hostel! 😵💫🔪
how was this posted 3 years ago but title states 2023? lol
I wondered the same thing.
@@anne-marie896 I think the title was just edited lol.
Great advice!! Definitely going to check for a good travel insurance!
Yes, read everything! Twice! ;)