Travel Insurance

I used to think it was not necessary. Then I had long talks with my aunt, who, while working as a traveling nurse, would retrieve sick patients abroad and accompany them back to the US.

I then realized the biggest reason for getting insurance was to help mitigate the costs of any unfortunate medical event or emergency that happened abroad. 

Travel insurance can also help with costs related to; travel delays or cancellations and lost or delayed luggage. A lot of credit cards also offer some trip and luggage protection. Travel insurance and credit cards will only reimburse if the airline would not.  

Choose a highly-rated company. Read the reviews. Consider what type of coverage you need based on the type of traveler you are. If you are into extreme sports, you definitely want a company that specializes in this particular type of coverage because most basic plans will not cover accidents that occur as a result of “non-traditional” activities.

I have Allianz but have yet to file a claim. They provide pretty decent coverage at reasonable rates, and I liked that they offer yearly plans.