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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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Trip insurance can be purchased from a number of sources including your travel agent and insurance agent. In addition to the different kinds of travel or vacation insurance that are available, you can also find a plan that is flexible in terms of length. Policies may be obtained to cover a specific period such as two weeks, on a price-per-day open-ended basis, or, particularly in the case of organized vacations, for a flat rate covering your vacation getaway.
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