Travel Insurance: To buy or not to buy?  That is the question.

Think about Travel insurance as a safety net to catch you if you need it, just like belaying in climbing.

Once you’ve narrowed down your travel adventure, there’s the last question about purchasing travel insurance.  Is it really necessary? Well, that depends on your comfort level. For some, just having the insurance takes that edge of stress away from the journey.  While most travelers never need that insurance, for those few cases with emergencies, having it in place makes all the difference.

When considering travel insurance, be sure to choose the right plan for your needs. Policies differ for families, single travelers or thrill seekers.  For adventure travelers, special policies may need to be purchased. Often bungee jumping, caving or other extreme adventure sports may not be covered under medical, so be sure to inquire and to read all fine print.

The insurance company should include how they will help in an emergency.  Are they available 24/7? Will they help with finding a flight if you miss a connection?  In a medical emergency, can you go to any doctor or do they have a network? Are cell phones covered if lost? Make sure you know how they will help before you travel.  

Another consideration may be to check with your homeowner’s insurance and credit card companies.  Often these policies cover lost or stolen luggage (check deductibles though). You’d be paying double with travel insurance if you’re already covered.  Also consider your primary health coverage. Will you need a high medical insurance? Modifying to a higher deductible should lower the travel insurance.  Be wary of expensive upgrades.

Choosing the right insurance can be confusing.  The fine print varies from one company to the next, and defining what is covered or not needs to be clarified before you travel. Comparison websites help distinguish cost and coverage differences, but even with all the reviews available, your best resource may just be your adventure advisor or adventure agency.