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Travel Insurance Explained – Why you Need it and What to do in a Medical Emergency

Travel Insurance Explained – Why you Need it and What to do in a Medical Emergency

we have a very important topic to talk to you about today it is the importance of why you need travel insurance now a lot of people don’t think about travel insurance when they’re when they’re heading out on even a short trip or a long trip really but we’re here to tell you that you definitely need it and we know from firsthand experience yeah Dave broke his back in the Amazon a couple of years ago yes he did and if we didn’t have insurance it would have cost us well over $100,000 and we’d still be paying that sucker off right now but because we have travel insurance we had medical evacuation we have hospital stays covered we had x-rays and CT scans everything was covered and we I had it all under our insurance otherwise if we didn’t we either a would have been paying all of that in a pocket or even worse what many people do is think well maybe it’s not so bad maybe he just has a really badly bruised back for everything and maybe we’ll just try and get ourselves back to Canada it wouldn’t have worked he had a broken back you broke two vertebrae in your back and thank God for health insurance because you have a full recovery I did I’m standing here today though most people think oh well that’ll never happen to me I’m not gonna break my back you know did you do it doing some adventure obviously cuz we’re adventures no all I was doing was stepping into a boat and I happened to slip and fall backwards and hit my back on a metal stair so it can happen doing anything anywhere that’s why it’s great to have the best coverage when you’re away you don’t want to be stuck with those medical bills like Deb said for the rest of your life and it doesn’t have to be something also it doesn’t have to be something that is super serious you know I know this happened to Deb brother he was down in Florida you know dad down in the US and he slipped and broke his fall with his hands you know didn’t hurt anything but about an hour later his wrist wrist all swelled up and he had to go to the hospital to get it looked at and if he didn’t have medical insurance we all know what the cost can be in the US and he was covered so even though he was just going to Florida for a short amount of time he understood the importance of having travel insurance no matter what the length or where you’re going of your what destination your trip is in too many people think oh it’s just a short trip nothing will happen well things do happen Dave and I can vouch that things happen all the time when we least expect it when we’re climbing or kayaking or doing some treks in the outback nothing ever happens to us no but whatever we’re just in the city or doing something mundane that’s when it seems like we hurt ourselves we never worry about how much it’s going to cost us the minute we feel something an ailment or sick or hurt ourselves we go to a doctor overseas and we make sure that it’s better so let’s talk about a few of the misconceptions that people think of why they don’t need health insurance or travel insurance one thing people think is that oh I’m covered as long as I got that travel insurance with my credit card not always so we always recommend for people to check the fine print read see what’s covered a lot of people don’t do this and you don’t want to be in a destination and have to use it and find out you’re not covered we recommend buying supplemental insurance on top of your credit card insurance because just then you know what you’re covered for and you don’t have to worry about things so reading that fine print buying a little bit of extra coverage especially we’re doing a longer trip is well worth the cost a lot of people think they have coverage with their company at work or with their home province or state that’s not the case most of the time the minute you step foot out of the country or even out of your province or state you are not covered so you want to make sure you find out about that and the coverage that you need to get you want to make sure that you have emergency evacuation insurance that’s really important if you have a severe injury you need to get out of there and get on an air ambulance and get home or get to a facility that can take care of you when Dave broke his back in the Amazon we were in the middle of the jungle and he had to spend some time in a little tiny jungle hospital that did not have the facilities and things No thank God we had that air ambulance insurance that could take him on a stretcher back to Canada where he could get the health that he needed now a lot of people say oh I don’t need trip cancellation or trip interruption insurance well this is something else you should have as well especially if you’re going on a longer term trip if you’re doing something a little bit short where the cost isn’t that big I wouldn’t really worry about it but if you’re doing a longer trip I would definitely recommend it because if something comes up a medical emergency or anything like that you can get your flights and everything refunded which is which is a great thing especially if you’ve dished out you know five to ten thousand dollars you don’t want to eat that money so it’ll be covered under your insurance you also want to make sure what kind of coverage you are covered for do you have a private hospital room do you have hotels covered do you have food covered that’s all really important when you if when you have your loved one in the hospital when dave was injured I didn’t have to worry about the extra days I was spending in in Peru or the extra money I’d be spending on a hotel or food everything was covered all prescriptions were covered and the great thing about a lot of those flights the medical evacuation insurance if you don’t even have to pay for that that money goes into paperwork and goes right to the insurance company so you don’t have to fork out fifty to one hundred thousand dollars right then and there who be happy about that yeah now baggage insurance is another thing that people don’t really think about it a lot of times it is included in your credit card insurance or in your travel insurance policy but again it’s always good to check the fine print it’s a really good thing to have because if your bags get lost or they get stolen or they don’t get there in time then you have that insurance where you can go out and buy clothes and and toiletries and all those things that you that you need to they actually find your bags or you know to get you to the store when you do have a medical emergency you want to make sure that you have all of your paperwork in order Dave wouldn’t really know about this then he was on a lot of drugs when we were in Peru he was really really in badging but I had a lot of work that I had to do I had to gather up all the paperwork I had to make sure that I called my insurance company before anything happened and luckily there was a satellite phone on the ship we were on I called American Express was who we we used and I said my husband has had a bad fall I need to know what I’m covered for and if you can’t get on the phone beforehand you have to do it right away soon as you get to the hospital make sure you get on the phone to your insurance company a good insurance company will be on there telling what you what you’re covered for telling you what paperwork you need I needed to get all of his x-rays all of his doctor’s notes everything that he possibly had all of his prescriptions and another great thing that insurance companies offer our translators a lot of times you can do the basic conversation with people when you’re in a country but you can’t do the really important things so having a translator come to help you out set things up and gather what you need is invaluable so as you can see we are true believers in travel insurance we have used our insurance a lot we’ve had a motorcycle accident in Thailand I’ve had a knee infection a very bad blood infection in Africa gave absolutely broke his back in Peru and we’ve always had travel insurance we’ve never had to worry about going broke because we get sick when we’re travelling so we highly recommend you getting it it’s very little money for a lot of peace of mind so before you head out on your next trip make sure to call your insurance provider or your credit card see what you’re covered for and make sure you have all the right covers before you head out there and travel and for more travel tips make sure you subscribe to our channel we have new travel videos travel tips travel tips on every single week


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