Determine Whether to Purchase Travel Insurance

There are various type of travel insurance. There are medical policies as well as trip cancellation policies. If you needed medical care while traveling, will your health insurance policy will cover you? You probably can’t just hand your insurance card over to a clinic in Africa just like you would in New York. It’s important to know how you should handle this prior to travel. So, here’s your task list for this step:

  1. Look at your current health policy or call a customer service representative and determine if you are covered or not.
  2. See if you have travel insurance through your major credit cards. If not or if there is insufficient coverage, there are policies specifically for travel.

Here’s a good review article on this:

Do I need travel insurance?

If you decide that you need travel insurance, here are links to a few reputable agencies that specialize in travel insurance: