57 votes

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

Insurance is most useful for rare but severe losses. Frequent but minor losses should be self-insured (i.e. paid by you), for precisely the reasons you stated. If my home burns down, I don't care ...
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51 votes
Accepted

Why should you have travel insurance?

What you've described is the case for all insurance. If the expected value of the insurance policy for the average buyer costs more than the premium, the insurance company will eventualy go out of ...
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  • 84.6k
50 votes

Why should you have travel insurance?

"Why should you have travel insurance?" - because the insurance company makes money from it. That is their reason to offer it. What is your reason to have insurances? If you have the need to cover ...
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  • 27.5k
42 votes
Accepted

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

Is the claim true? Will the hospital discharge you without presenting any bill? Yes, the claim is true, in part: Treatment in A&E departments and at GP surgeries remains free for all. Summary ...
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  • 22.9k
36 votes

What happens to plane tickets in case of airline bankruptcy?

An answer relevant to UK residents: use your UK-issued credit card. If you purchase an airline ticket with a credit card issued by a UK bank, the bank is liable to you for any breach of contract by ...
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  • 36.5k
34 votes

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

First off, don't let anyone tell you it's not worth it: you can find cheap cars that are very likely to keep running for a the duration of your trip. They won't be in the best shape, but that's true ...
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  • 937
33 votes
Accepted

Does travel insurance for short flight delays exist?

The thing to bear in mind with insurance is that you always expect to pay more in your premium than you would expect to get paid from the policy. If you're insuring against a 30 minute delay for a ...
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  • 12.6k
31 votes
Accepted

Airlines refused Missed Flight Cover 10 minutes after departure

Unfortunately, you're out of luck. Missed Flight Cover is an optional Travel Insurance for which there is an additional fee. Did you pay the fee? Any Compensation regulation does not apply because ...
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  • 32.1k
29 votes

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

The basic principle of buying any insurance is that it is only prudent to do so if you can't afford to pay out the potential liability out of pocket. That's why getting insurance for something like a ...
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  • 79k
27 votes

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

There is no requirement that visitors to the Schengen area (which Czechia is part of) need to be invited by a citizen or resident. The standard procedure is that your friend would apply for a visa ...
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26 votes

Canadian citizen needs insulin in US during lockdown

You can get insulin without a prescription in USA. However, since it won’t be the kind you’re accustomed to, you should get a doctor’s advice. https://insulinnation.com/treatment/medicine-drugs/...
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  • 7,762
25 votes

What is the difference between "health insurance" in the US and "travel insurance"

Travel insurance usually covers a range of problems that might happen while traveling including lost luggage, rental car towing, and tour cancellation fees, not just health insurance. As to whether ...
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  • 15.8k
25 votes

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

In Czech Republic, invitations (pozvání) are highly formalized and often impractical. Here's the process: Depending on the type of invitation (see below), you may need to prepare a bank statement or ...
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  • 2,247
22 votes
Accepted

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

Here are some airlines that mention refund upon visa refusal: UIA KLM Air France China Southern "Most Russian airlines" Looking at the fare rules for a sample of airlines, I see the following text ...
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  • 28.2k
21 votes
Accepted

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

TL;DR: You need liability insurance with a high limit. Your credit card won't get you that. Try to get your liability insurance from home, and failing that buy it at the rental desk. Your credit ...
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  • 3,707
20 votes
Accepted

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

Those machines seem to have been quite common. Here is a photo of one: There were even patented, but unfortunately the patent does not reveal the financial background. From this court case however, ...
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  • 26.1k
20 votes
Accepted

What happens to plane tickets in case of airline bankruptcy?

They are worthless. Happened to me some years ago, drove to Miami, walked in the airport, just to find the counters closed; at the neighboring counter they told me that they filed for bankruptcy this ...
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  • 27.5k
20 votes
Accepted

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

In many regions of Spain and depending on the circumstances, the costs associated with search and rescue are passed on to those who need it. It has been the subject of intense media coverage in recent ...
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  • 35k
19 votes

What happens to plane tickets in case of airline bankruptcy?

Acording to ECTAA there is no regulatory protection against airline failure in Europe: PASSENGER PROTECTION AGAINST AIRLINE FAILURES When a tour operator or a travel agent goes bankrupt, ...
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  • 28.2k
19 votes

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

Medicaid does not cover medical care outside the United States. In addition, you should check your state's eligibility rules to ensure you don't need to re-enroll when you get back, as your coverage ...
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  • 84.6k
19 votes
Accepted

US Healthcare consultation for visitors

Since I work in US on H1B visa, is it possible for me to cover my parents under the insurance provided by my employer? Probably not. This is generally only available for your spouse and dependent ...
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  • 84.6k
18 votes

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

According to the Free Dictionary, for made-up: (Civil Engineering) (of a road) surfaced with asphalt, concrete, etc Also (thanks to @user568458) from Collins: (of a road) surfaced with ...
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  • 28.2k
17 votes

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

The bad news is: it's such a broad topic & there are so many insurers out there that it's very time consuming to understand which insurances are actually "good" for you. The good news is:...
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  • 6,831
17 votes

Why should you have travel insurance?

Doesn't it make sense to, instead of buying travel insurance, just save the money you would otherwise pay for it and when something happens to you, pay it from this saved money? Frequently, yes, but ...
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  • 116k
16 votes

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

In Australia we don't say "unmade up road" we just say "unmade road". Assuming there isn't a technical rather than just a dialectal difference, our classier way to say that is "unsealed road". And ...
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  • 75.2k
15 votes
Accepted

Do I need a (European Auto Insurance) Green Card while driving inside the EU?

If you believe the UK MotorInsurers'Bureau page on the green card the green card is not necessary within the EU if the car is registered and insured in the EU: I have been told that a Green Card is ...
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  • 2,615
15 votes

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

Travel health insurance is not mandatory for people who do not need a visa to enter the Schengen area (including people from annex II countries like Brazil and people from other countries who hold a ...
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  • 95.8k
15 votes

Insurance when traveling to the United States

Yes, medical insurance is absolutely necessary if you visit the US. Technically he will be allowed into the country, but without medical insurance, in the US (the most expensive country in the world ...
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  • 57.9k
14 votes

Dual Canadian and British citizen - healthcare coverage in the UK?

From the NHS Information for visitors to England site: The NHS is a residence-based healthcare system .... Hospital treatment is free to 'ordinary residents' of the UK. But if you are ...
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  • 61.6k
14 votes

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

Yes it can cause issue with future immigration applications. Hospital treatment is free to ‘ordinary residents’ of the UK. But if you are visiting the UK – to stay with family, on business, as a ...
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  • 14.1k

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