Posted August 21st, 2012, 01:51 AM
Ok, I'll bite, why is it that people choose not to buy travel insurance? It's small compared to the price of a trip, and minuscule compared to the benefits it pays out.
And for those people who CHOOSE not up buy, particularly for the medical cover, what do they expect to happen if something happens to them? Like the examples I addressed above. Answer those questions for me.
Have you considered how crippling such a debt could be if something had happened and you weren't insured? What about your friends and family that help you out? What about the Long term effects of improper medical treatment in a foreign country.
You might be the safest and healthiest person in the world, but what about everything else and everybody else? Like the car insurance example before, even if you're the safest driver there are still plenty of other idiots on the road.
When I choose not to buy travel insurance, it's because I can afford the consequences of not doing so. Yes, I may have a bit more of a hassle dealing with my regular insurance company than the travel insurance company, but it seems ridiculous to me to carry three insurance policies (we are covered by two policies already that cost us less than $100/month).
I think that most foreign countries that we visit have perfectly adequate medical facilities. Some are even superior to ours.
Not buying travel medical insurance is dumb. A serious illness would crush you financially.
Trip-cancellation and -interruption insurance is, simply, a poor investment. Same for baggage-loss insurance.
That's a rather sweeping statement, don't you think? If you don't have any idea of a person's financial and insurance situation, you are hardly in a position to know whether they would be crushed financially by a serious illness.
And I would be interested to know why you think that the other forms of insurance are poor investments. If I've invested $20,000 in a trip and have elderly parents, a sick dog and unpredictable work requirements, I think I want to insure it with a "cancel for any reason" policy.
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