Travel Insurance Explained – Why you Need it and What to do in a Medical Emergency

Why you need Travel Insurance and Medical Coverage
Many people say they don’t need trip insurance, but we had an emergency in the Amazon an air ambulance had to fly us home.

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Many people don’t think you need travel or medical insurance but you do. Accidents and illnesses can happen anywhere. When searching for an insurance company make sure you know what is covered and what happens when a medical emergency does happen.
The most important thing you can buy is medical evacuation insurance. If you have a serious injury you need to make sure you can be air lifted home to get the proper medical attention you need.

►Like our travel video? Read our blog at:
↠ Do You Need Travel Medical Insurance?
↠Travel Insurance – Common Misconceptions and Travel Myths:
↠Air Ambulance Service, Are you Prepared if you need one?

About Dave and Deb

We’re The Planet D – Forbes Magazine named us one of the top influencers in travel for 2017. Having travelled the world since 2003 and full time since 2009, we’ve had our share of medical emergencies. Before we even started travel blogging, we bought trip insurance and always had medical coverage.
We’ve been in the hospital on five different continents from
↠Deb contracting a serious blood infection while cycling Africa to
↠Dave breaking his back in the Peruvian Amazon and
↠having a motorcycle accident in Asia. We’ve seen our share of hospitals and doctors and understand the importance of medical insurance.

Check out more travel videos on our playlist:
The Planet D Gear Reviews:
Adventure Travel with The Planet D:

►Recommended Insurance Companies
↠We use American Express Travel Insurance:
We used to work with AMEX Canada but no longer work with them. We have kept the insurance and credit card because we think it offers amazing coverage.
It was American Express that we used to be airlifted out of the Amazon, had medical coverage and hospital stays covered in Iquitos and had all our evacuation costs taken care of.

↠Allianz Insurance – Other people swear by Allianz Insurance. We haven’t used it but fellow travellers love it:

↠World Nomads is another insurance company that fellow travel bloggers swear by.

What ever travel insurance you decide on, be sure to phone the company and ask all the questions we suggest in the video. Make sure to get the right insurance for you.

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19 Replies to “Travel Insurance Explained – Why you Need it and What to do in a Medical Emergency”

  1. I have a trip in 2 days… is there a specific amount of days you nust buy insurance before you fly out?

    1. As long as you buy it before you leave the country you’ll be fine. But I would call ASAP and then ask your insurance provider to double check. It’s always better to be safe than sorry.

    1. There are many places you can buy insurance. We use American Express travel insurance (we purcahse above and beyond the credit card – however AMEX has great insurance. We’ve heard good things about Allianz, and world nomads. The most important thing is to ask a lot of questions and read the fine print.

  2. nice video,thanks. When you are out of country and are in hospital do you pay cash and then your insurance pays you back? If that is the case My credit card only has 5 k limit.

    1. chris Favorite yes, you do get a bill at the end of your hospital treatment that you have to pay. And then the company reimbursed you. Most countries are very affordable though. When Dave broke his back in the Amazon he had CAT scans, MRIs, X rays, hospital visits from several different doctors and a lot of medication. After 8 days in the hospital with all that our bill was only $2300. We paid that on credit card, kept all receipts and then submitted them to our insurance when we got home. We were paid back within 2 weeks.

  3. Quite an informative video — I learned a lot more than I previously knew about travel insurance. But what do we solo tourists/travelers do about getting paperwork together if we are injured and/or sick while abroad? I’m leaving on a trip abroad in a week-and-a-half, and if something happens to me, there’s no one to make calls and gather paperwork on my behalf.

    1. That’s a great question. Your insurance company should be able to help. They can provide a translator and someone to help you on the ground. That’s something to ask them when you sign up. If you are on a tour or using a guide, they can help you as well.

    1. Travel Trivia thanks! We’ve been meaning to make this video for quite sometime and are glad we could share our experiences to warm people of what could happen

  4. Great video guys. We always tell people if you can’t afford travel insurance you shouldn’t travel. Our buddy didn’t have insurance and broke his femur rock climbing in Canada. He had to get airlifted out and was hospitalised for 3 weeks. The bill was over $500,000CAD. He asked for a payment plan but they said no, they want it up front. He was a naughty man and fled the country with the help of a nurse. He can never go back to Canada and he is gutted. Insurance is mandatory when travelling we say.

    1. Alesha And Jarryd NOMADasaurus woah! That is quite the story! And that really sucks for your buddy. 500k is a crazy amount of money. I am so glad we had insurance when Dave broke his back. Who knows how he would be today. The hospital in Iquitos wasn’t equipped to take care of him but if we didn’t have it, we would have had to make due with what they could provide. They told Dave he’d be flat on his back for 2 months before he could even sit up and start therapy, yet when we got back to Canada a week later they said he had to get moving as soon as possible or he’d have long term damage.

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