{"id":757,"date":"2019-01-28T14:07:46","date_gmt":"2019-01-28T19:07:46","guid":{"rendered":"https:\/\/defineyourtravel.com\/staging\/4977\/?p=757"},"modified":"2020-01-05T21:37:10","modified_gmt":"2020-01-06T02:37:10","slug":"why-is-it-important-to-purchase-travel-protection-insurance","status":"publish","type":"post","link":"https:\/\/defineyourtravel.com\/staging\/4977\/2019\/01\/28\/why-is-it-important-to-purchase-travel-protection-insurance\/","title":{"rendered":"Why is it important to purchase travel protection insurance?"},"content":{"rendered":"

<\/p>\n

Here is my story!<\/span><\/em><\/strong><\/h4>\n

No one likes to purchase insurance, especially when we rarely use it. When we need it, we are happy we purchased it. Travel insurance is not something I like to purchase. However, when I hear the stories about those that did not purchase it, purchasing travel insurance is mandatory for me!\u00a0\u00a0<\/span><\/p>\n

I don’t feel so well…<\/span><\/strong><\/em><\/h4>\n

Several years ago, I developed a food allergy while on board a cruise ship. I literally said \u201cMy face hurts!\u201d (I know, \u2018Well, it\u2019s killing me!\u2019) I went back to my room and looked in the mirror. My jaws were huge! It was very painful!! [FACT\u2026I could have easily been a (jaw) stand-in for Dizzy Gillespie!] I went down to the ship doctor. She wanted me to go to the island hospital. I called my doctor who set her at ease letting her know it was an allergic reaction. Thankful that I was then quarantined to my room for 24 hours. During the 24 hours, the medical staff visited my room twice to administer Benadryl. This was a total of 3 doctor visits + Benadryl. $300+! This was added to my sea pass account.\u00a0<\/span><\/p>\n

Karma is a ‘B’!<\/span><\/strong><\/em><\/h4>\n

I was not able to get off the ship in that port. Several cruises ago, I joked with my mom about leaving here at the dock if the cruise line denied her boarding. She had a bad cough weeks before our departure. The day I was quarantined, she got off the ship without me and said she had a great time at that port.\u00a0<\/span>?<\/p>\n

24 Hours Later…Relief<\/span><\/strong><\/em><\/h4>\n

The swelling had completely gone down the next morning. I avoided seafood the remainder of the cruise. Not sure if that was the cause but there were no more reactions.<\/span><\/p>\n

Submitting Claims\u00a0<\/span><\/strong><\/em><\/h4>\n

Once I returned home, I submitted my medical bills to my employer insurance for reimbursement. $35! Treatment by the ship doctor is considered a non-network visit.\u00a0<\/span>\u2639<\/p>\n

I then completed the forms for the travel insurance provided, attached the medical bills and mailed everything to them. I was reimbursed for the remaining balance!! $59 for my travel insurance is not bad when you look at what it covered. Policy costs vary by company and policy type.\u00a0 \u00a0\u00a0<\/span><\/p>\n

Travel In<\/span>surance<\/span><\/strong><\/em><\/h4>\n

Travel insurance will cover pre-existing medical conditions if you purchase it by their ‘pre-existing inclusion’ cutoff date. That dates is usually up to 22 days from the date you reserved\/purchased your vacation. Travel insurance purchases after that date do not cover any pre-existing medical condition, even if the medical illness\/injury is listed as a covered reason. The policy will state this. For peace of mind, I recommend travel protection insurance for your peace of mind. <\/span><\/p>\n

Insurance policies vary by company. Some companies offer several policies.\u00a0<\/span><\/p>\n

While this blog was about my experience during a cruise, travel insurance is available for land vacations. This includes domestic and international travel.\u00a0 \u00a0<\/span><\/p>\n

Travel Insurance\u2026please<\/strong> do not leave without it!\u00a0<\/span><\/p>\n

Crystal
\nDefineYourTravel@gmail.com<\/a><\/span>
\n513.857.1465<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

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