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Travel

A man sitting near lake

If you have ever taken a cruise or planned a trip through a travel agency, you may have seen offers for travel insurance. Travel insurance policies have specific limitations and exclusions. When you look at a travel insurance policy, pay special attention to the fine print of the policy.

Here are some points to consider:

  • Does your medical insurance policy limit payment or coverage for accidents or illness that happen outside your coverage area or the United States? Evaluate your current health insurance coverage carefully before you travel. For example: Medicare and Medicaid typically do not pay medical expenses for services rendered outside of the United States. In addition, some health insurance plans or policies do not cover emergency medical evacuations (due to sudden illness) while traveling.
  • Will your homeowners or renters insurance policy cover your travel belongings if they are stolen while on vacation?
  • What costs can you absorb yourself if something unforeseen happens?

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