Traveling without insurance, a good idea or a bad idea?
Travel insurance
Your departure date is approaching, your reservations are complete and your suitcases are ready. Now, to leave with confidence, you are probably asking yourself the question:
is it a good idea to travel without insurance?
Having an accident, losing your luggage, getting sick or even being repatriated, anything can happen while traveling! Travel insurance and its guarantees are intended to protect the traveler at the time of their departure and throughout their trip. It provides coverage tailored to the length of stay as well as the destination and protects the traveler if needed. Above all, travel insurance allows you to enjoy your vacation with peace of mind.
Why take out travel insurance?
If I cancel my trip ...
Broken leg, invitation to a resit exam, death of a close family member or even redundancy ... all these unforeseen events can lead you to cancel your trip at the last minute. And, without travel cancellation insurance, you will have to pay for part or all of your stay. To avoid this and deal with this kind of situation, you can take out cancellation insurance before your departure.
Why travel insurance
In general, cancellation insurance reimburses the costs incurred for your trip, less the amount already reimbursed by the trip organizer (airline, travel booking site, travel agency, etc.) and sometimes a deductible.
Cancellation insurance is often inexpensive (the amount is a small percentage of the cost of your trip). Don't hesitate to subscribe, especially if the cost of your trip is high.
If I lose my luggage or it is stolen ...
Some unexpected events may also take place during your trip. Fortunately this does not happen every day, but, for example the airline company can lose your luggage at the airport ... So remember to cover your personal belongings so that you do not have to regret it and have to buy your belongings at real cost.
Namely, compensation for theft or loss of baggage may be capped by your insurance. Find out about the limit and check the coverages before purchasing your travel insurance. It is important to specify that all guarantees are not the same according to the contracts.
If I get sick or have a minor accident ...
A cold or the flu? You won't die from it, but it can ruin your trip, especially if the going gets tough. This is also the case for small accidents that can happen once there. When self-medication is no longer enough, you have to resolve to see a doctor and put your hand in the wallet to treat yourself properly. Between the consultation with the doctor and the passage to the pharmacy the bill can quickly climb.
If you are traveling in Europe and you have the European Health Insurance Card (EHIC), it is possible - but not always - to get a refund. Note that this reimbursement will be in accordance with the Social Security reimbursement schedule of your country of origin.
Travel accident
Outside the European Union, it is also possible that all care remains at your expense. Without insurance, expect to pay for all of your care out of pocket. Indeed, medicine in the world has disparate costs
Here are some examples of the prices of a consultation with a general practitioner around the world:
between 100 and 150 dollars in the United States
between 80 and 100 Australian dollars in Australia
5,000 yen (around 38 euros) in Japan
The cost of such a consultation is still limited and will not break the bank, but can be covered by good travel insurance. This will allow you to spend your travel budget on items other than your medical expenses!
If I have a serious illness or accident and need to be hospitalized and / or repatriated ...
If you must be hospitalized, travel insurance will cover you and prevent you from going broke in medical bills. You should know that even in countries with a lower standard of living than your home country (such as in Southeast Asia), access to quality health care can be very expensive. You will often pay a higher rate than in Europe! In countries in North America, the bill can skyrocket, especially if you have to have surgery or stay in hospital for several days. In the United States, a simple ankle sprain can cost you several thousand dollars!
Here are some examples of prices for an emergency room or several days of hospitalization in different countries:
Canada: Ski accident on Mont Tremblant € 5,500
Thailand: Monkey bite in Kho Phi Phi Ley 200 €
New Zealand: Hospitalization following an accident in Auckland € 9,200
Indonesia: 6 days of hospitalization in Ja
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