Buying travel insurance is usually something you should at least consider and depending on your circumstances, it might be money well spent. As I’ve explained, in the past I turned out to be very fortunate while travelling without much insurance and have promised myself to not make that mistake again. I do consider it every time I leave the country and always have some kind of coverage.
What I Would Never Buy
One thing that I’ve never purchased though is insurance from sites like Expedia, Orbitz. Why?
Offers such as this one:
Which are usually offered while booking, right after and even in the email confirmation.
Why would I not even consider it? Think about it. Before even asking me any questions, they are willing to offer me a policy. To me, that is suspicious. Not in the sense that it’s a fraud but just that the pricing is not great. Basically, they are selling it for a price that they’d feel comfortable offering to almost anyone. But I’m young, in shape, have very little “risk”, etc. So why would I settle for this rate when giving the insurance company a bit more info might help them take their premium down?
What To Do Then?
So when I do buy some type of travel insurance, I make sure to look at options offered by brokers. It might be different if I felt I did not have a good “risk profile”.