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Old 13th October 2010, 07:09 AM
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Default Travel Insurance: is it necessary?

Hi,
im on a low budget and going to Thailand to do just cruisey things.
I feel like people buy into the fear factor the what if i have an accident.
I did get a tarot reading which said i will be okay.
Just feels like a waste of money getting travel insurance, feeding
into the matrix of fear.
Am i being too risky?
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Old 13th October 2010, 11:20 AM
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Yes. If you find it a problem to pay for insurance because you are on a low budget and prefer to think of buying insurance as "feeding into the matrix of fear" you'll find it a much bigger problem if you have to pay a huge medical bill. No one plans to have an accident or become ill.
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Old 13th October 2010, 11:25 AM
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Hi,

Thanks for your question. The whole insurance business is based around the concept of evaluating the cost of risk and then charging above and beyond that cost to the consumer, thereby making a profit. However, this does not mean that travel insurance is a waste of money.

On my first trip to SE Asia I contracted a nasty stomach bug after swallowing river water and felt the most ill I was in my life; I also dropped my camcorder in the sea getting out of a boat (I slipped and fell and dunked my bag under, hehe). Both these unfortunate episodes were covered by my travel insurance, thankfully.

I guess you have to evaluate your risk yourself. If you are not bringing anything of value, then you may feel you have no risk in losing any possessions. But what you can't evaluate is the risk of falling ill in Thailand. Hospitals are cheap for minor ailments, sure, but bills could add up if you contract something more serious such as dengue fever or the like.

At the end of the day, some backpacker policies (basically health coverage plus insurance of possessions of low value, usually 100 and less) are so cheap these days that I wouldn't consider travelling without insurance to Thailand. But that's me.

I really wouldn't rely on tarot readings to predict how safe your trip will be! At the end of the day, your safety is going to be heavily based on how prepared you are (know the dangers and scams), how much common sense you have and how you behave (i.e. don't get whacked out on drugs and/or alcohol and wander back home on a dark beach alone or ride around uninsured on a scooter without a helmet). The rest is going to be based on luck (or rather, unluckiness).

I consider myself to be a genned-up, experienced traveller who is risk-averse and has plenty of common sense, but even I find myself the victim of cons or placed in potentially risky or dangerous situations now and again. Having insurance as a backup is peace of mind if you ask me.

Safe travels, whatever you decide.
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Old 14th October 2010, 04:36 AM
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I regard travel insurance as a necessary irritation. I'm often reminded of the Karl Malden advertisement some years ago for American Express: "Don't leave home without it"!
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Old 14th October 2010, 04:39 AM
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i would say an insurance for bagage is not necessary, the costs of replacing are limited. What is necessary though is IMO health insurance (if not already covered) and evacuation insurance.
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Old 14th October 2010, 09:40 AM
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If you can't afford travel insurance then you can't afford to travel. I have seen some horrible situations over the years I have travelled. In one instance in the USA the paramedics would not even treat a person with us until she showed them her travel insurance. In Thailand I have travelled with people who have had serios food poisioning and needed urgent hospital treatment or they would have died- thank heavens thay had insurance is all I can say.....Most places these days want to see the colour of your money if you need their help.
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Old 14th October 2010, 10:17 PM
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OMG = you just can't travel without it IMHO of course - last may whilst in Phuket I slipped and broke my ankle - long story short new flights extended stay - operation with plate and screws - airline insisted business class - air boot no casts allowed - you ahev no idea total cost was 10,000 - but to me just 40 + 150 excess - would never ever go without
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Old 14th October 2010, 10:18 PM
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ps type coverall into google the best travel insurance on the planet by far and cheap
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Old 15th October 2010, 12:13 AM
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Yes travel insurance is necessary because whatever happens you'll be secured. Better get a life insurance that covers travel insurance.
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Old 16th October 2010, 12:03 PM
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My goodness, how can you even consider travelling without insurance. There are examples about people who unfortunately have landed in traffic accidents with crucial injuries where doctors and hospitals won't treat the patients without financial guarantees, which means that you have to first contact and ask friends and family in your home country to help collecting money (if they are able to). Not to speak about the huge - almost unbearable - expenses if you need to be airlifted back home for treatment.
Insurances are something you make in the hopes that you'll never have to get use of them.
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