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  • Writer's pictureKeri Lowrey

Travel Smart: Is Your Insurance Covering You Abroad? The Surprising Answer Might Be "No"


So, you’ve finally booked that dream trip abroad. Your suitcase is bursting at the seams with a mix of clothes you’ll probably never wear, and souvenirs you’ve sworn you’ll bring back for your friends and family (but we all know you’re keeping them for yourself). Your passport is shiny with excitement, your itinerary is more detailed than a spy’s mission brief, and your Instagram is ready for some serious travel envy. But wait! In the frenzy of planning, did you remember to pack one of the most important travel essentials? No, I’m not talking about your smartphone or your universal adapter. I’m talking about travel health insurance.

Now, before you roll your eyes and think, “Great, another adulting lecture,” hear me out. Health insurance while traveling is like that friend who’s always looking out for you. The one who reminds you to put on sunscreen before jumping into the ocean, or that eating questionable street food might not be the best idea (even if it’s just $1). You never know when you might need it, but when you do, you’ll be glad it’s there.


Travel Mishaps: The Unexpected Adventure

Picture this: you’re strolling through the charming cobblestone streets of a quaint European village, taking in the sights, smells, and sounds. Suddenly, your foot decides to make friends with a very uneven cobblestone. Next thing you know, you’re flat on your back, staring up at the sky, wondering what just happened. Congratulations, you’ve just experienced the classic travel mishap—a rite of passage for every intrepid explorer.

Now, what if this harmless tumble ends up needing a little more than just a “walk it off” approach? Without travel health insurance, you might find yourself navigating foreign healthcare systems, trying to explain your injury in a language you definitely don’t speak, and possibly draining your bank account in the process. Fun times, right?



The Not-So-Delicious Adventures of Traveler’s Tummy

And let's not forget about our old friend, traveler’s tummy. You’ve spent weeks dreaming about all the delicious foods you’re going to try. You dive headfirst into the local cuisine, devouring everything in sight like you’re on a one-person mission to eat the world. But then, disaster strikes. Your stomach starts doing the Macarena, and not in a fun way.

With travel health insurance, you can be sure that the only thing you’ll be losing is your dignity in the bathroom and not thousands of dollars in medical expenses. It’s like having a golden ticket to the VIP section of healthcare, wherever you are.



When Adventure Calls… for a Doctor

There’s no denying it: travel is one big adventure. It’s about stepping out of your comfort zone, trying new things, and creating memories that will last a lifetime. But sometimes, those adventures come with unexpected consequences. Maybe you decide to try zip-lining through the jungle, only to discover that gravity is not your friend. Or you think riding a scooter in a bustling Asian city is a good idea until you realize you’re playing a real-life game of Frogger. In moments like these, having travel health insurance is like having a safety net, ensuring that your adventure doesn’t end in financial ruin.





The Real Cost of Not Being Covered

Let’s talk numbers, shall we? An emergency room visit in the United States can cost you upwards of $1,000 just to walk in the door. Now imagine what it could cost in a foreign country where you don’t speak the language, don’t know the customs, and definitely don’t have any idea how much a trip to the hospital is going to run you. Without insurance, a broken bone or a sudden illness could cost more than your entire trip. But with travel health insurance, you’re covered for these unexpected costs, so you can focus on getting better and getting back to your adventure.


Your Future Self Will Thank You

Imagine you’re sitting at a café in Paris, sipping on a delicious café au lait, when suddenly, you start choking on a croissant (hey, it happens!). As you’re struggling to breathe, your only thought is, “I hope my health insurance covers this!” Well, guess what? With travel health insurance, you don’t have to worry about how you’re going to pay for that emergency croissant removal. You can just focus on living in the moment, even if that moment is a little more dramatic than you planned.



Conclusion: Don’t Leave Home Without It

So, here’s the deal: travel health insurance might not be as glamorous as that new suitcase or as Instagram-able as your morning latte art, but it’s a crucial part of any travel plan. It’s the peace of mind that lets you fully enjoy your adventures, knowing that if anything goes wrong, you’re covered.

Remember, the world is a wild and wonderful place, full of surprises. Some of them are amazing, like discovering a hidden beach or finding the best gelato of your life. And some of them… well, let’s just say it’s better to be prepared. So, pack your bags, grab your passport, and don’t forget your health insurance. Because the only thing you should be worrying about is which filter to use on your latest travel photo. Safe travels

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