When travel turns tragic: Should you get travel insurance while traveling?

When travel turns tragic. Why you need travel insurance.

In really remote areas it can be the little things that turn into big things. In rough country just a twisted ankle can be a very serious injury. And, in any tropical or remote area a small laceration can turn into a great big infection. So, it may be something small but because of where you are it is a lot more serious than if you were at home.

While we were on our cruise, the boat had to detour to a nearby island so a man had to be evacuated from the ship due to a severe tooth infection that could not be treated on board. A fellow traveler told us of how she broke her ankle by tripping on the cobblestone roads and she had to be treated immediately at a local hospital. A family friend had her spleen burst while in the Caribbean and nearly died because she had no way of being evacuated back to the states and the medical staff at the local hospital were ill equipped to handle the emergency.

Unexpected medical emergencies can happen at anytime during your travels, especially if you are enjoying a long term travel adventure of several weeks or more. While most trips are enjoyed without a hitch, anything could happen and you don’t want to be left unprepared. If you are going to enjoy any travels this year, whether is a week-long vacation or a 6 month journey around the world, we recommend investing in travel insurance for added peace of mind.

Below is where we’ll keep a running list of travel insurance companies and providers that we recommend:

Emergency Transport Insurance

What is it and why do you need it? With emergency transport insurance, if you are hospitalized more than 150 miles away from home, you can get air medical transport — to the hospital of your choice in your home country— at no additional cost to you. You would need emergency transport insurance in addition to your travel insurance because even if you have travel insurance, you could pay up to $100,000 for international air medical transport. It’s best to have both travel insurance and emergency transport insurance.

Companies we recommend: 

MedJet: The difference with Medjet’s membership program is you get to make the decision where you want to receive your ultimate care. Once you are stabilized and can travel, and you will be transported to your home hospital where you have your own doctors and your family and friends to support you through your healing process. (affiliate link)

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