Travel Insurance
Posted: Wed Aug 10, 2022 7:25 pm
Hey all,
I'm taking a little trip up to God's Pocket (yay!) a week from now, and looking at travel insurance. The trip is a bit expensive, of course, but I'm only interested in coverage for big catastrophic medical expenses like road accidents or being bitten by an orca. If the trip gets cancelled due to weather or covid or meteor strike, I can live with that and just eat the expense.
Sooo... Getting quotes, it turns out that the majority of the cost of travel insurance appears to be for things like trip cancellation coverage, which I don't care about. With that in mind, I put in a total trip cost of $1 and the prices came waaaay down. Like, DAN travel insurance for the week is something like $30-40, and AIG was ... drum roll please ... $6. For a week. Full medical coverage up to some large dollar amount, medevac, missed connection, etc.
Okay, uh, Whaaaat? Can I do that? Is there some weird clause that says you most declare the full cost of your trip? I haven't been able to find anything that explicitly requires that. And how would they know or why would they care if I want to under-insure the trip? What if I wasn't staying at a resort, just camping, and the trip cost really was just a few bucks?
What am I missing here? I'll probably just go for it regardless because why not.
glenn
I'm taking a little trip up to God's Pocket (yay!) a week from now, and looking at travel insurance. The trip is a bit expensive, of course, but I'm only interested in coverage for big catastrophic medical expenses like road accidents or being bitten by an orca. If the trip gets cancelled due to weather or covid or meteor strike, I can live with that and just eat the expense.
Sooo... Getting quotes, it turns out that the majority of the cost of travel insurance appears to be for things like trip cancellation coverage, which I don't care about. With that in mind, I put in a total trip cost of $1 and the prices came waaaay down. Like, DAN travel insurance for the week is something like $30-40, and AIG was ... drum roll please ... $6. For a week. Full medical coverage up to some large dollar amount, medevac, missed connection, etc.
Okay, uh, Whaaaat? Can I do that? Is there some weird clause that says you most declare the full cost of your trip? I haven't been able to find anything that explicitly requires that. And how would they know or why would they care if I want to under-insure the trip? What if I wasn't staying at a resort, just camping, and the trip cost really was just a few bucks?
What am I missing here? I'll probably just go for it regardless because why not.
glenn