Travel insurance, you see it at the tail end of booking a flight every time. It’s an annoying popup offering the service for a low cost. You stare at it and go back and forth with yourself wondering if you would lose your job or if your house will catch on fire. You look at the cost of your flight and that extra $8-20 would kill you so you choose to check the decline box and hope to God you have some good karma stored in a capsule for a rainy day. I know. Me too.
However, after researching stuff for Bangkok, I learned that travel insurance is more than recovering the cost of the flight. It could help you when you fall ill while traveling. Mind. Blown. Of course, everyone else that takes the time out to read the fine print of the insurance knows this but for us cheapos, this might be a game changer.
For instance, if I go to Bangkok, get involved into a shoot out with T’Challa, and sustain injuries, most insurance plans will cover up to $100k and will provide transport back to the US. If I die while traveling, it will provide an insurance payout to give to my family.
Of course, if insured, you may decline to get it for local travel but I am now going to start buying insurance for international travel. The great thing about this is you don’t have to get it with your flight, your airline credit card may include insurance or you can always buy it separately from the same company for a custom plan. I’ve seen plans that cost as low as $17 and up to $50.