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Nothing ruins a fabulous vacation faster than an unanticipated medical emergency—except, that is, experiencing such an emergency and knowing you are unprepared to handle it. Buying travel insurance before you leave for your trip won’t guard against emergencies, but it may ease some of the difficulty of dealing with whatever problem has interrupted your vacation.
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So should you buy travel health insurance? Probably. Hopefully you will never need it, but you will have to make a personal decision about whether you are willing to take a chance to save a couple hundred dollars or less. Your destination and the nature of your trip should be considered when making a decision. For example, an authentic African safari or wilderness white water rafting trip has a higher probably of medical implications than a seniors’ train tour, but life isn’t predictable. Assess your risk, financial capability to handle possible emergencies and your comfort level, and work from there.
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