I have to admit, I haven’t purchased travel insurance since my visits to Jamaica in 2006 and 2007. I’ve been on a total of 4 cruises, to the Bahamas, to Paris, to Honduras, and to Belize and with each trip, I had no insurance coverage.
Save your fussing. *smile* I know I was playing with fire, but in my mind, I thought it was worth taking the chance. I just felt/feel some kinda way about travel insurance. I know there are a variety of options with various prices, but there’s always something they don’t cover and that something would be just what I would need. I am at a place where I am meticulously watching how, when, where , why, and what I spend my money on and if pay for coverage of any kind, I WANT MY COVERAGE! I don’t want to hear, ‘oh, yes Miss Sista Voyage, you did purchase our insurance, but the plan you have doesn’t cover your flight being delayed due to ducks crossing the airstrip. Sorry ’bout that.’
I called my medical insurance company to see if I was protected while overseas and they told me, yes, I was. Of course my insurance plan’s not accepted out of the country, but they told me that if I needed medical attention, I could file a claim and they would reimburse me accordingly. Since this is the case, I don’t need travel insurance with medical care coverage.
I have noticed that a company called travel guard has an option where you’d be reimbursed 50-75% of your trip if you cancel for ANY reason, but I wonder- is this truly ANY REASON?
So tell me, do you all purchase travel insurance? In no, why? If yes, why? Have you ever had to use it? What was your experience like?