When Do You Need Travel Insurance? Could You Already Be Covered? (Part 1)

With Ingle International being the lead sponsor for the Go Global Expo for the last several years, I have had numerous opportunities to man our booth, along with a few colleagues. Each time I’ve attended, I have had the pleasure of speaking with a number of really pumped-up and starry-eyed wanderers. The expo always brings the crowds; some are fresh out of university and eager to put their newfound skills and knowledge to work, while others are big-hearted do-gooders ready to get their hands dirty with some volunteer organizations, and many others are seasoned globetrotters looking for their next adventure.

While their next moves may differ, they all have one thing in common: The yearning to pack up, jet off, and see the world from a new perspective. I have fielded a lot of great questions and have always tried to offer helpful tips about how to prepare for a big trip—after all, Ingle International is here to help remind people about the importance of arranging travel insurance before taking off on an adventure. Even so, every once in a while I end up really surprising people by mentioning that you don’t always need travel insurance… (Did I actually say that? Did I actually just write that? Please don’t fire me!)

Allow me to clarify.

First, you may have travel insurance through your employer, or through your credit card (though these plans do have their limitations). You might even still be listed under your parent(s)’s benefits if you are a student. It’s worth checking what benefits you do have before you make a purchase.

Secondly, most of the organized programs will already have insurance built into their participation fees, so you might be doubling up on your insurance by purchasing your own coverage. This is another thing to check before you buy.

Lastly, the fact of the matter is, many countries will provide people that have work visas residing in one country for a longer term with the very same health plans that cover their own citizens. This applies to much of Europe, as well as for people teaching English in most of Asia. However, this is certainly not true everywhere, so it is really important that you do your research!

Sounds pretty peachy, right? I agree! The idea of being able to travel, work, and live in another country knowing that you won’t have to pay out of pocket (or, at least, that you’ll be paying very little out of pocket) to receive medical attention is a huge weight off your shoulders—and (let’s be honest) it can help you keep your wallet heavy for that extra ski trip you have been dreaming of.

BUT—this doesn’t mean you should forgo insurance altogether! Before you hop on that plane insurance-free, there are a few things you need to keep in mind.

Make sure you read my next blog post to understand why I still recommend you look into arranging travel insurance for yourself!

 

For more information on travel tips and travel insurance, visit the Ingle International blog page.

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