Does anyone know about Travel Insurance? - Chicagoland Sportbikes
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post #1 of 13 (permalink) Old 04-27-2005, 06:15 PM Thread Starter
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Does anyone know about Travel Insurance?

I'm headed to Seattle in June to take a glacier mountaineering course in the Cascades, and the company I'm going with suggests getting Travel Insurance. I guess this is supposed to cover the costs of stuff in case my flight is messed up or my gear gets lost in baggage handling.

So has anyone used this stuff, and if so could you recommend an insurer?

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post #2 of 13 (permalink) Old 04-27-2005, 09:18 PM
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We have Travel Insurance at work, it's in case we die while we are working, i.e. travel to and from, natural disaster, etc. Sounds like your excursion isn't part of your job.

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post #3 of 13 (permalink) Old 04-27-2005, 09:34 PM
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Check 1st to see if your regular policy will cover you. You may not need it.

Travel insurance covers you if you get sick or pregnant and can't make the trip. If you are dropping $3500 on a mountain bike trip to Italy where a simple twisted ancle might be cause for cancellation then get the insurance.

Use Google to find travel insurance but read through the policy before. My wife and I got it for such a trip to Italy and never had to use it. It cost us $150 each.

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post #4 of 13 (permalink) Old 04-27-2005, 09:38 PM
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Ive always known that it makes sense ONLY if what/where youre going is non refundable as mentioned above.

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post #5 of 13 (permalink) Old 04-28-2005, 11:16 AM Thread Starter
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yeah, the mountaineering class is about $1k, plus the airfare and the hotel. I think I'll get some travel insurance just in case something happens, but I have no idea where to look or what to look for.

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post #6 of 13 (permalink) Old 04-28-2005, 12:33 PM
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Well, maybe it might be helpful since you are spending a lot up front that isn't refundable. Basically, by buying the insurance you are protecting yourself from an accident either before or during the trip which would prevent you from rock climbing.

So if you (God forbid) break an arm a week before the trip and you obviously couldn't climb then you'd get a portion of your airfare and registration back.

Let me see if I can find the insurance company I used for our bike trip in Tuscany. My mom has used them in the past during a cruise to Alaska because her husband has Parkinsons and they weren't sure if he would be healthy enough.

I think we were able to purchase the policy online.

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post #7 of 13 (permalink) Old 04-28-2005, 12:51 PM
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Are you talking about travel insurance, or trip cancellation insurance?? These are different types of coverage. Travel insurance covers loss of your stuff and/or your life while traveling, I think. Trip cancellation insurance covers you getting your deposits, etc. refunded if you must cancel your trip for certain reasons.

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post #8 of 13 (permalink) Old 04-28-2005, 12:57 PM
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Sometimes they are wrapped.

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post #9 of 13 (permalink) Old 04-28-2005, 01:01 PM Thread Starter
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I'm looking for Trip Insurance. My regular insurance covers me for medical and that stuff. I'm just looking for something to cover the cost of the school, changed plane tickets, and hotel reimbursement if something should happen to me or my gear.

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post #10 of 13 (permalink) Old 04-28-2005, 01:03 PM
pfft.
 
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There are certain trips for which I get travel insurance, and others for which I don't. Cruises and such-- I get it. Anything that I am spending a good amount of $ on and that weather could ruin-- I get it. Sounds like you might need it. I always purchase it through my travel agent, who is THE BEST ever. If you are interested, pm me and I will give you her #. She can tell you where to buy it.
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post #11 of 13 (permalink) Old 04-28-2005, 01:05 PM Thread Starter
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Thanks, Allison. PM sent.

Never a bad time to climb... unless the weather is really horrible, and then you climb inside!

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post #12 of 13 (permalink) Old 05-20-2005, 11:23 AM
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FYI:

Here is a travel insurance web site that compares various policies.

http://www.insuremytrip.com/

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post #13 of 13 (permalink) Old 05-20-2005, 11:17 PM
 
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Travel insurance is pretty cheap, and a good idea if you're putting any real money on a trip. If you get sick and cant make the trip, they pay for it. If your bags get lost the replace it, etc, etc. Not a big deal when you're in the US, but on a cruise my GF got sick, had to goto the ship doctor. $500 bill for some minor stuff, health insurance wouldnt cover it, but our trip insurance did.
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