MIAMI (CBSMiami) – Americans are on the move, traveling, despite the pandemic, by air and cruise ship. Most trips are high priced vacations.
Kyle Bruening of CruiseFinders, a Broward County travel agency, says “health insurance is only part of travel protection insurance.”
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Health insurance and travel insurance may be the last thing you think about when dreaming about this deserted Bahamian beach, but more travelers are asking their travel agents to pair them with travel insurance. .
“Travel insurance is always a good idea anytime you go out of the county, whether or not a global pandemic is involved,” said travel agent Kelly Lord.
Lord, who runs the ‘Vacation Ever After’ travel agency, says pandemic has increased demand for travel and health insurance in the uncertain world of travel where flights and cruises are interrupted, canceled and travelers fall sick.
“You can certainly have travel insurance to cover cancellation, interruption, any kind of medical treatment. Medical evacuation is where it costs a lot,” Lord told CBS4.
A basic fact: Most US health insurance policies, neither Medicare, will cover you if problems arise while on vacation outside of the United States. And then there are cancellations or the need to cancel.
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“You need to get ‘cancel for whatever reason’, ‘CFAR’ insurance, said Bruening, who sells premium travel packages.
This type of policy protects your investment in a cruise or vacation abroad.
Travel agents warn without insurance that the cruise line is unlikely to reimburse you for money and if you are sick or injured on board. And what is little known, according to maritime lawyer Jim Walker, “Medical treatment on board the ship sometimes costs cruise passengers money. There is no doubt that your health insurance does not cover your medical expenses that you incur on a cruise ship. This clearly excludes that.
Walker says you really need to talk to an insurance specialist or even a lawyer to make sure you’re covered, especially if during the trip you’re going to be ziplining or scuba diving, which are often excluded. travel insurance packages.
“Insurance companies have a lot of exclusions, limitations, you have to make it clear to your insurance broker that they are selling something that covers all the risks,” Walker said.
This reminder from a major travel insurer: “If you have to pay for a medical evacuation, it can be expensive. Average emergency medical evacuation costs can cost you $ 25,000 in North America and up to $ 100,000 in Europe. In more remote locations, an aerial medical evacuation can cost up to $ 250,000. “
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Experts generally say that you should expect a proper insurance plan to cost between 4-10% of the cost of your trip.