Comments on: The Complete & Easy Guide to Insurance for Travelers

By: Christine

Christine — Thu, 09 May 2024 02:01:25 +0000

Thank you Nora, this is the best article ever that I’ve read on this and posted a link to it from our website. I always get so much out of everything you share here on your site. Thank you for sharing your experience and learnings in such a fun and informative way! Best wishes on your soon to be travels! Blessings, Christine

By: Nora

Nora — Wed, 05 Apr 2023 16:38:16 +0000

In reply to Priyanka Singh.

Hi Priyanka,
Do you know why your insurance only starts on May 15? I agree, you should have coverage starting on May 14. Unless, perhaps you are boarding a flight that leaves shortly before midnight on May 14 and you won’t actually leave the country until May 15…?

By: Priyanka Singh

Priyanka Singh — Wed, 05 Apr 2023 06:01:11 +0000

Thanks for covering this topic, very insightful. Just a quick query. For my week long trip the flights are as per dates 14-23 May, however my travel insurance is for the period 15-23 May , does it leave me at some sort of risk considering their is a day gap in travel insurance duration?

By: Nora

Nora — Mon, 02 Dec 2019 15:23:35 +0000

In reply to Taylor. Hi Taylor, That's a tough one. I would say whatever you do, keep a paper trail so that if one party insists they weren't paid or that you owe them, you can prove what happened and it can be sorted out accordingly.

By: Taylor

Taylor — Sun, 01 Dec 2019 08:07:09 +0000

Hello!

Fortunately enough I had travel insurance when I was traveling in the states (from Canada). I paid the hospital bill, got reimbursed from the insurance company, however a few weeks later I got a reimbursement directly from the hospital. My insurance is telling me I need to pay them the money, however I am afraid afterwards that the hospital is going to say it was a mistake and ask for the money back as well. Do you have any suggestions? Thank you, Taylor.

By: Nora

Nora — Mon, 06 Aug 2018 18:36:22 +0000

In reply to Gary. Hi Gary, I heard a rumour that on big insurance claims, the insurance company is duty-bound to deny your claim at least four times. If you persist past that, then you (might) get paid.

By: Nora

Nora — Mon, 06 Aug 2018 18:33:50 +0000

In reply to Steve Tambosso. You got it, Steve. Even a spotless track record doesn't mean insurance is unnecessary. :-)

By: Steve Tambosso

Steve Tambosso — Thu, 02 Aug 2018 01:22:52 +0000

In reply to Nora. ...and another excellent informative article by the way. You're a good writer Nora.

By: Steve Tambosso

Steve Tambosso — Thu, 02 Aug 2018 01:21:50 +0000

In reply to Nora.

Lol! Indeed many people cannot say that they’ve been skydiving for years and never hurt themselves, but as someone (who was one of your long ago coaches) who’s made over 6,500 skydives, been on three world records and has two Canadian national gold medals in the sport, my proudest achievement in the sport was none of those things. It’s the fact that I never once hurt myself. I never had so much as a twisted toenail. That, I’m proud of. None the less, it’s not to say it couldn’t happen in the future, and it’s why I still always have insurance that covers me for skydiving (and mountain climbing, and rock climbing, and scuba diving, and…and…and….). Lol.

By: Gary

Gary — Wed, 01 Aug 2018 16:49:34 +0000

Car Rental Insurance. My wife had a claim for a cracked windshield earlier this year. The claim process seemed interminable, with the rental company and credit card’s insurance company asking for information, receiving it, then asking for something else. All with the rental company repeatedly demanding payment from us! Then the right person asked for the insurance company’s contact information and claim number. Problem solved within a day.
As for your line: “While the claims process can be infuriating, and while there’s a school of thought that suggests insurance companies are designed to wear you down so they don’t have to pay out, your patience and persistence is probably better than the alternative: a medical bill that you can’t afford. ”

I am of that school of thought. Every time they wear you down and get out of paying, their profits increase. I am sure they make it infuriatingly complex on purpose.