You’ve booked your flight, made reservations at the hotel, got someone to bring in the mail and watch the dogs, what about the travel insurance? I know what you’re thinking, “I’m only going for two weeks”, “I’ll be fine I’m in great shape”, “other people get sick on vacation, not me”, but what if you’re wrong?
Thailand is known for being a bargain for westerners. Cheap clothes, food, hotels, entertainment, even the hospitals and clinics are cheap compared to the west and with some of the best doctors in the world. Contrary to what some people may believe Thailand has excellent health care. Even though Thailand is cheaper than the west in almost every category if you wind up in the hospital for a week or two it’s still going to cost you and it will be more than you bargained for.
If you need some stitches or you pick up a bad case of pink eye then a clinic can patch you up easily and the cost will be minimal…around 700 Baht – 1200 Baht ($20-$30) and thats including all the medicine you’ll need to take for whatever length of time. But if you have seriously problems and are admitted to a hospital then the bills start to rack up. Hospital room, medicine, diagnostics, and so on. Then you could be looking at 30,000 baht and up…you do the math.
Whereas travel insurance won’t be much help for the minor ailments it will certainly be worth the cost if something major comes up. On average for a two week trip most travel insurance will cost you $20-$30 which isn’t much in the grand scheme of things. That amount will usually cover major medical, flights to your home country if it’s decided thats the best place for you, and most even have an added bonus that if you’re hospitalized for a week or longer they will have a family member flown to you.
Travel insurance can also cover trip cancellations, lost luggage, and a change in travel plans depending on what options you choose. You may not have a great vacation if you get sick but if you have to pay for it out of pocket as well then it’s sure to be a memorable trip and not for the right reasons.
I’m writing this because I came down with acute tonsillitis on my first trip to Thailand. Luckily a few trips to the clinic got me back into shape but it could have been bad and I wouldn’t have been covered as I didn’t even think about insurance.
The flight to Thailand is a long one if you live in the states (17 hours non stop from JFK International) Which will have you nice and dehydrated if you don’t drink a lot of water. The temperature in Thailand is HOT which can and will dehydrate you further if you don’t take care. Foreign food, foreign microbes, burning the candle at both ends, endless sight seeing, and a host of other things can and will come back to haunt you if you don’t take care. Even if you do take care to prevent sickness there is always the unexpected and in Thailand that could be anything from an over amorous elephant, a motorcycle taxi running you over and a host of other things just waiting for you around the next corner.
You may have great insurance in your home country but in most cases they won’t cover you overseas.
Find a good travel insurance and buy it for your trip no matter where you’re going or for how long!
About the Author
Born and raised in Baltimore Maryland I finally set out to discover the world in 2006. South East Asia has always been a beacon for me and Thailand its crowned jewel.
I write about my experiences in Thailand as well as the cultural aspects of being a foreigner in a foreign land. I blog daily about Thailand at: http://thailandlandofsmiles.com
Taking a holiday or business trip is usually quite straightforward. Most of the time, you buy your tickets, fork out a bit extra for travel insurance (because it’s just what people say you should do) and jump on the plane. But what happens when something goes wrong, and that safety-net insurance policy you bought actually needs comes in to play?
Many people’s first reaction to realising they have to make a travel insurance claim is slight panic – what evidence and documentation do you need? Does your situation even warrant a claim? What happens if it all falls through? Don’t worry – there are a few basic things you need to remember, and if you can do that, all should work out fine.
Who do I Contact, and When?
Depending on what it is exactly you’re claiming, you have differing amounts of time to act. Before you leave on your trip, you should take two copies of your travel insurance details, packed in separate places. This should contain the full name of the travel insurance company, the policy you chose, the dates you’re covered for, full contact details, and most importantly your unique policy number. More often than not, the company will provide you with a handy wallet-sized card with all of this information. If in doubt, take as much information as possible.
Generally, the sooner you contact your insurance company the better. In cases of medical emergency this is important. In non-life threatening cases, and where you don’t have full details of your policy with you, it might be best to contact the company to see if you’re covered before you opt for whatever insanely expensive treatment you may need. Due to the higher costs involved, your company needs to know ASAP. They will obviously also need to be contacted ASAP if you need to be evacuated home, such as from an area where you may not be able to get quality care.
If, on the other hand, you’ve lost or had something stolen, you generally don’t need to contact anyone from the company until you get home – and you often have up to a month to get around to this. What you do need to do, however, is report all theft to the local police, and obtain a report of the ‘crime’ in question. Be aware, in developing countries with high numbers of foreign tourists, this is seen by many police as a waste of their time – you might have to slip the officer in question a few bills to get anything done. (Incidentally, this won’t be covered.)
If you’re lucky enough to have your luggage lost by an airline, bus company or even hotel, try and obtain a report from them admitting culpability. Without this, your company may dispute your claim. The people who lost your goods may offer a private settlement themselves – get this written down as well.
Where’s the Proof?
Large numbers of people take out travel insurance, and, feeling slightly annoyed that they haven’t been the victim of a mugging or hostel robbery, attempt to claim that aging analogue camera as stolen. To claim, you must present proof of ownership. This is often easily done by showing the receipt for the item, but as many people simply don’t keep receipts that long, other methods are accepted; bank or credit card statements, warranty cards, even photographic evidence can be used to show that you owned a given item. If you can’t provide anything whatsoever, you may not be able to claim. Check your policy. And if they think you’re telling porkies, they might just investigate your case further – you’ve been warned.
In the case of purchases that had to be made (medical treatment, taxis when you missed your connecting bus due to a delayed flight, quick flight home due to civil war unexpectedly breaking out, etc), keep the receipt, and be prepared to present credit card statements and possibly contact details of the organisation in question.
How Long do I Wait?
Generally speaking, a simple claim on a stolen item should not take very long. Companies differ, but most will process a claim in around ten days if they have all the details they need, they will either say no, or send you a cheque. If your claim is, in their eyes, dubious for any reason, it may take longer. In cases where large amounts are to be paid out, such as those which have arisen due to medical expenditure, the gathering of all the relevant proof and information may itself take some time – you might just have to be patient.
Family Travel Insurance Packages often provide savings to families helping them avoid high premiums and cost on single plans per individual. The family package includes children and both spouses. If the family has an ‘extended’ family, then the company will offer the “Extended Family” policies, or else the Group Travel Plans. For example, if your family has ten or more members, then the travel companies will rarely offer the family packages, since these policies will not cover this number of people.
Thus, if you do not have the extended plan then make sure you read the booklets provided by the company carefully to make sure that all the members in your family is covered during travel. Be advised that few Travel Insurance Agencies will attempt to instill in the minds of their customers that the policies are a “compulsory as part of an inclusive deal.” The concept is to get the customer to pay more for the policy while getting less coverage. Therefore, the booklet will have fine print and it is vital that you read the information carefully.
Customers are advised to keep an eye open when applying for Travel Insurance. The customers should carefully read all information to make sure they are receiving adequate coverage for the price paid. The booklets will itemize the stipulations, exclusions, and restrictions on each policy. Thus, few policies will not cover risky actions, including mountain climbing, diving out of plans, bungee jumping, or other dangerous activities. Few companies will not cover particular pregnancies, reoccurring treatments for terminal ills, age groups, and sporting risks.
The policies may not cover you if you use alcohol, drugs, or inflict injuries to self, HIV/AIDS, have a terminal illness not admitted when the policy was taking out, or if you falsely make claims that cannot be proving. Travel Insurance companies will handle each claim carefully, and they will look for false information, misleading information, risks, and so on before deciding if you qualify for a disembarrassment.
Therefore, customers should always read the information provided to them carefully, including the fine print to know where they stand. Be sure to take note of the exclusions, restrictions and stipulations laid out in the guides. Furthermore, if a claim is submitted and an accident caused the harm, then make sure you complete the claim, send receipts with the claim, and include medical reporting, tickets issued by the law, and police reporting to receive disbursement.
If you are a sport fans and engage in risky activities, such as bungee, diving, paragliding, mountain climbing, and so forth, then you may want to consider the Extreme Sports Insurance coverage. Since, these are voluntary risks; you may need coverage that will hold you up in the event you are hurt. The policies vary, and the price will depend on the events undertaking, the guiding principle, and the provisos. Again, you will need to read the information carefully to determine your coverage and costs. Since some Extreme Policies will outline few dangerous activities that it will cover, it is important to read to know what the policies will not cover. It would make no sense to take out the additional coverage if you are a bungee jumping and the policy will not cover you.
Families that vacation rarely go above and beyond putting their lives at risk, but it does happen. There are families that enjoy mountain climbing, and this is a dangerous sport, since anything can happen. However, camping can be a dangerous sport if you want to look at it realistically. Since, camping involves staying outdoors and if you are in the Western Hemisphere, you are subject to attack by the Wild Life.
Finally, Family Travel Insurance is essential when families travel, however, if you travel light, then the temp policies are often the choice. This plan will cover you during the trip and will often expire once the trip has come to the term of end. The Annual Plans are more for people that travel frequently, such as business personnel that travel often for business.
Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you’re looking for!