Travel insurance can cover medical, dental, trip cancellation, trip interruption, medical transportation and more. It is not just for flight delays or lost luggage. One of the main reasons to have Travel Insurance is for health reasons: yours, your traveling companions, your parents, your kids…

To get a travel insurance quote please fill out this form: Travel Insurance Form

When to Purchase Travel Insurance?

Many people ask me how soon they need to purchase travel insurance. The answer is as soon as possible.  Your coverage starts when you purchase the travel insurance plan.

The best time to purchase trip insurance is within 14-21 days of your first deposit, then any pre-existing medical conditions have a better chance of being covered under a normal policy.  It may be possible to purchase a more expensive policy to cover pre-existing medical conditions if you wait more than 14-21 days.

If you have to cancel your trip prior to purchasing travel insurance, then you lose any payments you have made.

Note:  Travel Insurance is for “unforseen events”.  If you purchase travel insurance after you break a leg (for instance), then it will not be covered.

“Won’t my regular health insurance cover me abroad?”

The answer is basically “No.”

“Most regular health insurance plans provide partial or no coverage while you are traveling in another country. For Medicare, there is never coverage abroad. Countries with ‘universal health care’ might assist with minor needs, but they are under no obligation to do so. In the event of major or ongoing medical expenses, they would cease to help, and they would never pay to evacuate you or help you return home.” (according to

If your health insurance says that it will cover you outside of the USA, please check and see if they will pay the hospital or require you to pay the hospital and then they will reimburse you.  I heard of one lady who had a motor cycle accident in Mexico and they wouldn’t let her out of the hospital until she paid them first.

And some countries are requiring that you have $50,000 in medical coverage and extra coverage for quarantine with an approved travel insurance.  Costa Rica was the first to do this and St Maarten in addition requires you to purchase their insurance for $15.

Credit Card and other Insurance Coverage

And I recommend getting insurance from an insurance supplier instead of from an airline, cruise, tour company or credit card. Why?  Because travel insurance suppliers are in business to provide insurance.  And if you search on travel insurance issues, you’ll see most of the complaints come from people who bought it from an airline, cruise,  tour company or credit card – because they’re in the business to provide flights, cruises, tours & credit.  Travel Insurance companies are there to provide a service.

NOTE: If you can get inexpensive coverage for your flight in order to be easily able to cancel it, then go ahead and get it. And many times insurance by the cruise or tour is cheaper than insurance provided by an insurance company. The problem is that if any part of your trip is not provided by the tour or cruise company (like flights or extra nights) then you’re not covered. So it is ok to purchase insurance from airlines or tour companies or cruise lines, but call me and we can discuss how to make sure everything is covered appropriately.

To get a travel insurance quote please fill out this form: Travel Insurance Form

Depending on the type of insurance purchased, the following travel related concerns may be covered:

Travel Insurance covers health issues
  • Even if you’re healthy, you could get a sinus infection like my husband did in France or pink eye & a sore throat like I did in Edinburgh.  The travel insurance companies have 24 hour assistance and will refer you to a doctor or medical facility.  Travel insurance can even cover dental injury or infection, such as a lost filling, or a broken tooth that requires treatment while you are on your trip.
  • In some countries like Japan (see link), medical facilities are turning away foreign patients who don’t have health insurance in a travel protection plan.
Travel Insurance covers trip cancellation or interruption
  • If you can’t go on a trip or you have to return early for a covered reason, then you will get reimbursed.
  • If your traveling companion can’t go on the trip for a covered reason, then you are covered also.
  • If your mom or dad (or one of your children) has a medical emergency before you leave or while you’re on your trip and you have to cancel or cut your trip short, then travel insurance will cover the cost of that portion of the trip (that is insured) that you didn’t get to take.
Travel Insurance provides Emergency Medical Transportation including Repatriation of Remains
  • Medical Transportation can include transporting you to the nearest hospital, getting you home after you receive care, bringing a friend or relative to you, and getting minors or dependents home.
  • Speaking of your family back home, who is going to handle the details if something happens to you and you can’t make the decisions?  My husband and I were almost T-Boned in Ireland (I can still see it in my mind – we were in Kenmare) and ever since then we’ve always carried travel insurance.
Travel Insurance also covers baggage loss or delay
  • Since I always have travel insurance, I don’t worry about my luggage not arriving to my destination when I do.  I take pictures of what is in my luggage before I leave home, and if my luggage gets lost, then I just have an excuse to go shopping.

Let me help you find the right plan before you head out the door.  Here is a simple way to contact me to let me know you want information on travel insurance: Insurance Quote Form

What does Travel Insurance Cover?

As Allianz says, “Whether you’re planning a solo adventure or a grand, multi-generational getaway, the whole point is to relax and enjoy the journey. Travel insurance can ease your anxiety because you know you have protection in case of common travel mishaps. Not only that, but you know you’re never alone. No matter how far from home you go, help is a free hotline call away.”

The amounts of coverage depend on 1) how much your trip costs, 2) your age, 3) how long prior to your trip you purchase it, and 4) how much you want to spend for the insurance. A typical plan* for a $5000 trip will cover something like the following:

*If you’re pregnant or have a pre-existing medical condition, ensure you check whether your condition is covered. You may need to add extra cover or opt for a special insurance policy that will cater to your specific needs.

How much does travel insurance cost? Typically 4-10% of the trip cost.  You do not need to insure costs that are refundable or that you will pay when you arrive.

When you’re traveling internationally, things are different.  “Oh, the Places You’ll Go!” (Dr Seuss)

The steps in Blarney Castle can be slippery.  (Btw – when you visit a “castle” in Europe, a lot of times, it is a “castle ruin” and there is no roof.  So footing can be treacherous.)

My tours don’t go to Skellig Michael or the Devil’s Pulpit (where Dougal makes Claire drink the water to see if she is lying) because they’re just too dangerous for the average, unprepared tourist.

Skellig Michael – See 10:46 with the yellow sign with the arrow. See the YouTube video of Skellig Michael.

Devil’s Pulpit – See 3:07 – there’s a string or wire to hold onto:  See the YouTube video of Devil’s Pulpit.

Regarding four emergency calls  at he Devil’s Pulpit: “Each has involved quickly extracting cold, wet and trapped visitors by raising them vertically up the mossy, wet walls by rope.”  (The Scotsman)

To get a travel insurance quote please fill out this form: Travel Insurance Form