Questions tagged [insurance]

Buying financial protection to protect against problems which may arise on a trip, including but not limited to theft or injury.

36
votes
8answers
8k views

What happens to plane tickets in case of airline bankruptcy?

I am sometimes eyeing tickets that are a far bit in advance and in some cases I know the airline that is selling the ticket / operating the flights is in economic trouble. If I have a ticket for ...
29
votes
3answers
4k views

Should I purchase rental car insurance? What protection does my credit card provide?

We just arrived in Hawaii this afternoon, and when I went to pick up the rental car, I discovered I hadn't done my homework with regard to the insurance options. I recall that my credit card will ...
28
votes
12answers
7k views

Are there benefits in travel insurance for travelers with deep pockets?

In my understanding (and I may be wrong), on average insurance costs you more than amount of claims insurer expects to pay you. So if you can afford the losses, you can expect to pay less when you don'...
26
votes
2answers
3k views

Long Term Travel - what insurances can / should I get?

I'm a freelancer in the field of software development and I'm planning to travel to different places, but also continue working. I'd expect to stay at a certain place (country) for 1-3 months. Pretty ...
25
votes
3answers
12k views

How to buy a car for a road trip in the United States?

For tourists coming to the US, getting a car is a great way to get around, especially if you want to see the national parks. Rental, especially for younger drivers, can be very expensive, so buying a ...
21
votes
3answers
8k views

Is it true that you can receive emergency care in the UK completely free of charge?

In a related question @GayotFow mentions that: I am aware that visitors can received emergency treatment from the National Health Service (NHS) for free. This seems a bit suspicious but other ...
21
votes
2answers
4k views

Is there a risk to write an invitation letter for a stranger to obtain a Czech (Schengen) visa?

TLDR: Online friend wishes to visit my country in EU and I have no experience with that. Please share your experience and advice. I have an online friend from Armenia who wishes to visit Czech ...
21
votes
2answers
2k views

Travel health insurance that counts as “credible coverage”

I am taking a long-term international trip of around 11 months. I am quitting my job, and so will lose my health insurance. I am looking at different travel health insurance plans such as World ...
21
votes
3answers
17k views

Where in Europe can I purchase a car without residency?

I am not a resident anywhere and plan to travel for the foreseeable future, mostly in Europe. My country has good visa-free access to most of Europe, so it is conceivable I could remain without any ...
19
votes
4answers
10k views

How to insure checked luggage?

I know that you are not supposed to put valuables into checked baggage, but in some cases it is necessary. For example if you have large valuable items that do not fit in carry-on or if you have ...
19
votes
2answers
464 views

How to choose a good travel insurance policy?

When looking for travel insurance, there is a dizzying array of companies, policies, plans, restrictions, and conditions. What should a short-term traveler look for in an insurance plan? What things ...
18
votes
2answers
1k views

Is there a charge for mountain rescue in Spain (Canary Islands)?

I am going on holiday to Tenerife and La Palma, and planning to do some hiking in the mountains. Nothing unusual, sticking to marked trails. When looking for travel insurance many of the mainstream ...
17
votes
1answer
1k views

From whom can I buy travel insurance if I don't “live” anywhere?

I am an Australian citizen, currently living in Singapore and I want to travel through Europe and the USA over the next six months. I will be leaving Singapore permanently and my intent is to ...
17
votes
1answer
4k views

Travel to USA — how much medical insurance is enough? [closed]

My in-laws (66 and 69) will be visiting the US soon. Given the high cost of medical care in the US, what is the minimum amount that any insurance policy they buy should cover for medical care? I've ...
16
votes
4answers
5k views

What was an insurance vending machine at an airport, and what kind of insurance did they sell?

The action of the 1952 novel Prisoner's Base takes place in 1952 in New York. In chapter 15, the author writes in the voice of one of the characters: Some chauffeurs of PD [=police department] cars ...
16
votes
2answers
5k views

Is medical insurance mandatory for entering the Schengen area if you are not required to have a visa?

For nationals that request the Schengen visa, the traveller must have insurance that covers, for a minimum of €30,000, any expenses incurred as a result of emergency medical treatment or repatriation ...
15
votes
5answers
4k views

What's an “un-made up road” in terms of car hire insurance?

I'm checking the terms and conditions for various car hire insurance/excess coverage policies and I see a lot of lines like this one (this one from http://www.insurance4carhire.com): We will not ...
15
votes
1answer
215 views

Name (or search terms etc) for enhanced travel insurance for locations with travel warnings

I'm trying to research options for enhanced travel insurance that is valid for regions with cautionary "advise against non-essential travel" warnings. Every approach I've tried had found nothing, ...
14
votes
2answers
5k views

Airlines refused Missed Flight Cover 10 minutes after departure

Recently with my 2 friends we've missed the flight from Rome (to another EU city) right at the gate in the following stupid way: arrived at the airport 2-3 hours before the departure (scheduled at 22:...
14
votes
2answers
1k views

What is the difference between “health insurance” in the US and “travel insurance”

The J (exchange) visa application requires that "health insurance" be purchased. I've bought UK travel insurance (including medical claims etc) for the 6 month period. Is this different from "health ...
14
votes
6answers
48k views

Are there any legal requirements for renting a car in the US as a foreigner?

I am planning a road trip in the US with some friends and plan to rent a car for the purpose. Are there any legal requirements for renting a car. Do they require a US driver's license? Do I have to ...
14
votes
4answers
2k views

Will I be covered under the UK Health system?

I am an Australian resident but a British Citizen. I currently hold a British passport and receive a small British pension but do not pay any British taxes. I have cancer and I am coming to the UK to ...
14
votes
1answer
2k views

What car rental insurance should I get if my credit card provides some coverage?

I don't own a car and want to rent one in the US (California). I will be renting for 3 days. I am enrolled in the American Express Premium Car Rental program (the card is also issued in the United ...
14
votes
2answers
10k views

Where can I get insurance for travel in late pregnancy?

My wife and I need to travel to the United States, but she will be 30 weeks pregnant by the time the trip ends. In addition to it being a very good idea in general, the US effectively requires travel ...
13
votes
3answers
313 views

Travel insurance with regards to luggage being stolen/lost

I am looking for answers to how people have recovered from having their luggage stolen/lost when arriving at their destination. And further to this, how they have ended up packing in the future to ...
13
votes
2answers
603 views

Travel insurance with a pre-existing condition

I have ulcerative collitis. It's not particularly bad. I'm trying to get travel insurance for two different holidays (one to the US and one to China/Japan). Unfortunately having ulcerative collitis ...
13
votes
2answers
844 views

Where can I purchase health insurance for an elderly relative (80+) visiting the US?

Does anyone know how to, or have experience of, obtaining health insurance for elderly visitors to the US? A relative who is over 80 may be visiting from Ukraine (most likely a tourist visa, so not ...
13
votes
1answer
181 views

Are there any non-obvious differentiators in travel-insurance policies?

My family in the US will be taking a vacation to western Europe later this year, and I'm looking for travel insurance. I found this comparison tool and used it to get quotes, and I got about 50 ...
13
votes
1answer
262 views

Is it practical to find travel insurance that has no alcohol-related exclusions?

CHOICE travel insurance buying guide mentions alcohol-related exclusions for insurance: Alcohol Cover for overdoing it on vodka and Red Bull and float-tubing down a river in Laos isn't ...
12
votes
2answers
16k views

Is there travel insurance for missed flights?

Our family will be going to Rome this November. As in a previous question, I am worried about missing my return flight home. Is there travel insurance that will help us find a return ticket home if ...
12
votes
4answers
10k views

What is the average cost of a medical evacuation?

Many travel insurance plans include coverage for medical evacuation to privately transport you to your home country if you get seriously ill while abroad. What does this type of evacuation generally ...
12
votes
4answers
462 views

What extra benefits are there in getting travel insurance if I have a European Health Insurance Card (EHIC)?

I've got a European Health Insurance Card (EHIC) and only plan to travel around the EU for the foreseeable future. I read another answer that quite nicely covered the details of what the EHIC covers, ...
12
votes
2answers
1k views

UK to Iran by car - insurance question

My husband and I are Australians who want to buy a car in the UK and drive it to Iran through Europe (incl. Eastern Europe), Turkey, Armenia, Azerbaijan etc. We want to leave ASAP once we have the ...
12
votes
2answers
4k views

Foreign car insurance for Canada and/or the U.S

Still working on my plan to Ship my car from Europe to Canada or the U.S. We're planning on leaving early January. Shipping turns out not to be the problem. However, the next hurdle is: car insurance....
12
votes
1answer
422 views

Driving from Europe to India, do you get automobile insurance at the border of each country?

I'm currently in Turkey and was told the UK insurance is not valid in Turkey (only in Europe). So I had to pay for the vehicle insurance at the border. For driving through Iran, Pakistan, to India, ...
11
votes
6answers
763 views

Driving into Germany over Easter weekend

There's a Demoscene party (Revision) that occurs every year on the Easter weekend in Saarbrücken (Germany), and I'm thinking of attending this year. I live in England and am looking into methods of ...
11
votes
2answers
840 views

Can I be sure of insurance coverage as a rideshare passenger?

@colorant’s answer refers to an offer by BlaBlaCar of “24€ pro Person 4 freie Plätze” for Amsterdam to Hanover. Rome2Rio by car from Amsterdam to Hanover estimates 60€-85€ (and admittedly 19€ for ...
11
votes
3answers
1k views

Does insurance for expensive Items in checked luggage exist?

While I plan to travel with a desktop computer in checked luggage, I am yet to find an insurance that covers much of significant value. We have coverage that comes with credit cards with limits of $...
11
votes
2answers
2k views

Foreign car insurance for Kosovo?

I might need to drive through Kosovo in the next couple of weeks. I have checked my car insurance policy and there it is stated that in Serbia only the parts under control of the Serbian Government ...
11
votes
2answers
1k views

Insurance for campervan in NZ

I am traveling to New Zealand in May 2012 (I am a US citizen). I have been looking for a campervan to rent. Unfortunately, insurance seems to be quite expensive (or not very good. Some liability is up ...
11
votes
1answer
848 views

Comprehensive health and travel insurance that meets NZ Immigration requirements

I'm going with a Working Holiday visa to NZ for a year. I'm starting to look for health (or travel) insurance in my country (Chile) to leave with a little more peace of mind. When I was looking for ...
10
votes
3answers
485 views

What's the travel insurance definition of a war zone?

Some travel insurance companies have clauses stating that they won't insure travel to a war zone. What's their definition of this? The best I could find was Wiki's list of ongoing military ...
10
votes
1answer
2k views

How should I be prepared to deal with medical emergencies abroad?

I live in the United States and I am on Medicaid (free Federal health insurance for low income individuals). While that can pay for a medical emergency if I was in another state, it might not cover ...
10
votes
2answers
317 views

Is it practical to find travel insurance that provides a large amount of cover for disability?

Does travel insurance often provide a large amount of cover for disability caused by an incident while travelling? The brochure linked to from this travel agency gave a value in the tens of thousands ...
10
votes
2answers
3k views

Are there any airlines which refund fare (including economy class) fully in case you don't get visa?

I'm an Indian. I'm planning to book a journey from Mumbai to Johannesburg, South Africa and back (conference visa). I looked at refundable tickets, while they are priced higher, they give you half ...
10
votes
3answers
6k views

How to insure professional equipment while traveling

What are my options, as a U.S. citizen, for insuring professional equipment (camera and laptop, specifically) while traveling outside of the U.S.? Most of the traveler's insurance policies I've found ...
10
votes
2answers
1k views

How do EU citizens claim healthcare bills in the Netherlands with the EHIC?

I know that when one has a European Health Insurance Card, he can get free or discharged treatment in all EU (+ few other) countries. This is quite clear. However, I'm interested in what is the ...
10
votes
3answers
2k views

Who has liability for a car accident in Germany and how to claim on insurance?

A week ago I was traveling in Germany by car on an autobahn, There was no one on the road so I was in the correct lane like the law says and I was not speeding (nearly 120km/h in a no speed limit zone)...
10
votes
1answer
251 views

How might an Indonesian expedite a Dutch medical bill when the policy is to delay issue for four months?

My girlfriend had to visit AMC (Amsterdam Medical Centre) for a medical emergency. She was a tourist from Indonesia and hence only carried travel insurance. The hospital treated her without us paying ...
10
votes
2answers
187 views

Who offers travel insurance that covers a holiday in your country of citizenship?

I am a British national but have been living abroad with my family for the last 6 years. I plan to travel back the the UK for a holiday next week, however, I have been having difficulty finding a ...