Trip Insurance–Is it Worth It?

Here’s the Cliffs Note version: It all depends. For some, trip insurance is definitely worth it. But there are caveats. Know what you need, know what you are buying, choose a reputable company, consider other options.

If you read my Australia blog posts, you will recall that my husband had a freak accident, which put him in the Alice Springs Hospital for three days. We missed several days of our trip, but were grateful that everything ultimately turned out well.

Tips for Filing a Claim

  • Notify the insurance company as soon as you realize you will be submitting a claim. They can email you the claim form, tell you what to include when you submit your claim and provide moral support. The medical team at AIG Travel Guard was wonderful. Although I didn’t need their help, it was nice to know they were available, if I wanted them to check up on me and my husband.
  • Keep ALL receipts. I immediately bought a spiral bound notebook and scotch tape, so that I could enter every receipt, by day, into the notebook, with notations indicating what the expense was for. It is very easy to lose small pieces of paper, like taxi receipts.
  • If you can, pay everything with one credit card. It makes documentation much easier. If you are in a foreign country, your credit card statement will have a record of the currency exchange rate for that item. You simply match the receipt against the credit card charge, and you save the claim examiner that extra task, which brings me to the next point.
  • Make it as easy as possible for the claim examiner to pay the claim. A claim for trip interruption is far more complicated than one for trip cancellation, so more information was needed to process our claim.
  • I created a “claim package”, with a cover letter and a table of contents. I explained what was being provided and identified the attached exhibits. I also created a spreadsheet showing what I expected to collect. It took me a day to get everything organized, but I didn’t have any back and forth with either insurance company.
This will give you an idea of the paperwork I submitted. Can you see why I wanted to help the claim examiner out?

Know What You Need
Medicare does not cover you when you are out of the USA, so for some people, the main reason for buying trip insurance is to get medical coverage. We are fortunate enough to have a very generous medicare supplement, which DOES cover us for emergency services wherever we are in the world. So, for that reason, I chose the AIG policy that offered minimal medical and dental coverage, and the medical coverage was secondary. (That means they will pay after other insurance has paid first. So, you need to submit to your primary carrier, and then whatever isn’t covered, you would submit to the secondary carrier.) If your health plan has a high deductible, and high out of pocket maximum, then you may want or need more generous travel insurance benefits.

For some people, “cancel for any reason” protection may make sense. This might be true for someone still in the work force, who may have to change vacation plans because of work responsibilities.

Our main concern has been trip cancellation for health reasons (either ours or a family member), or trip interruption. Remember when the volcano in Iceland erupted and people were unable to continue with their original travel plans? That’s the sort of thing that worries me.

You can get plans that offer trip interruption at 100% of the cost of the trip (the amount you are insuring) or 150% of the cost of the trip. Why would you want to purchase coverage for more than the cost of the trip? Well, if your trip is interrupted, you may have to stay in another country longer than planned or you may have to change flight arrangements (which could be very expensive).

But what if you are not on a group tour? What if you are traveling on your own, to hotels that allow you to cancel within a day or two of arrival? You may not need any trip insurance at all.

Know What You are Buying
I use Insuremytrip.com to compare various travel insurance options. There are other companies, such as Squaremouth.com, but I’ve had good luck with Insuremytrip, so they are the only company that I have had experience with.
Others may be more comfortable using an insurance agent to find the plan that best meets their needs. If you DO decide to do it on your own, be sure to download the complete policy and read it carefully so that you know exactly what you are getting.
Things to look out for: Pre-Existing condition exclusion clauses, what qualifies as a covered reason for trip cancellation, what level of coverage is offered for things that are important to YOU and is that coverage primary or secondary?
For example, I never check anything valuable when I travel, so I don’t care about the level of coverage for lost luggage. The airlines offer some coverage for delayed or lost luggage, and the airline is usually considered primary.
If you are uncomfortable purchasing a plan from the internet, you can speak with a representative for Insuremytrip.com. They are not paid commissions, so they do not have a financial interest in your choice of plan. That may be true of similar companies.

Choose a Reputable Company
Take the time to read the reviews. Insuremytrip, for example, includes Better Business Bureau ratings, AM Best ratings, years in business, and reviews by users for each of the companies offered, and allows you to do a side by side comparison of the plans. You can also do a google search.

Other Options
Check your credit card for any coverage they might offer. You need to read the booklet that they give you when you first enroll, or compare the benefits of the various companies on line.
I had never considered the Chase Sapphire Reserve card, because of its $450 annual fee. Then I read a post from a fellow traveler who explained that Chase reimburses you up to $300 for any travel expenses you incur during the year. They also offer trip interruption and cancellation insurance up to $10,000 per person and $20,000 per occurrence, with a $40,000 per year maximum. That coverage is easily worth the remaining $150 per year charge to us.
Some of my friends swear by one of the premium American Express cards. It is also possible that Citibank has something competitive, but I have had no experience with either.
You may also consider purchasing the insurance that your tour group offers. I always take a look, but so far, have been able to find more attractive options. That may change as we get older.

Bottom Line
It all comes down to how risk averse you are, what you want to spend, what coverage is important to you, how much time you want to spend researching alternatives.
Every situation is different. Make sure you choose the best option for YOU.
Please feel free to share YOUR experiences and trip Insurance knowledge with the rest of us. Happy travels!

Melbourne, Part Two

Okay, I’ll admit it, I felt really, really guilty, when I learned that while I was having a grand old time on the Great Ocean Road, my beloved husband was suffering in a Melbourne hospital, as I confessed in my last blog post.

After seven days in a town that is hotter than hell ( well, maybe not hell, but definitely purgatory), I feel my penance has been completed and I am free to share the rest of the photos from our glorious time in Melbourne.

Originally called The Sow and the Piglets, these rock formations were wisely renamed The Twelve Apostles, despite their originally being only nine of them. One has since crumbled, so now there are only eight. I spent most of my career in marketing, so hey, I get it. Nine was close enough, if you just round up.

Not surprisingly, the gambit worked, and the rest is history. The Apostles are definitely a beloved Australian tourist attraction.

The beach is lovely too, and if you are willing to walk down (and climb back up) eighty steps, you too can get your picture taken on this gorgeous beach.


I was definitely game. My favorite photographer was otherwise occupied, but one of our fellow travelers offered to take my picture. Foolishly, I neglected to check my phone until I got all the way back to the top, only to discover a technical glitch. No photo. Andy, who you will soon meet, wearing a bird for a hat, offered to go back down with me, so he and I got to climb down (and UP) 160 steps!


Given that I’m looking a bit chunky, that extra exercise was probably a GOOD thing!

Our stop at the bird hangout was great fun, although I will admit it’s a bit of a jolt when one of these guys unexpectedly lands on you, but Andy took it all in stride.

Paul, our tour guide, (shown instructing Jenny, a member of our OAT group) , kept us enlightened and entertained during our entire day together.

He told us The Great Ocean Road was built to employ returning war veterans. (Sorta like FDR’s CCC during the Great Depression).

About 3,000 former soldiers labored to build the road for almost thirteen years. Because of what we now call PTSD, dynamite couldn’t be used to break through rock; construction was done with pick and shovel.

This war memorial was built to honor the thousands who never came back from the war.

Other highlights from our time in Melbourne included a visit to the Mornington Peninsula, where we visited the Moonlit Sanctuary.

Unlike the Tasmanian Koala, this guy was awake. These animals sleep twenty hours per day, so somehow we managed to time it just right.

We didn’t have as much luck with the wallabies and kangaroos. They clearly were used to being fed frequently, and weren’t motivated to hop over for a snack. But the ducks and birds were quite happy to take a handout.

And this wombat? All we could see were his feet and hands! I think he had a “Do Not Disturb” tag hanging on his barrel!


Another notable visit was to the Abbotsford Convent. Now art studios and an educational center, it was once a “Magdalen Asylum” where up to 400 women and girls were sheltered. They were either orphans,”fallen women” or had no where else to go. They were also a source of free labor.

For “three hots and a cot”, they worked doing laundry for hotels and the weathy of Melbourne. As you might expect of a Catholic institution, prayer and chapel attendance were mandatory, as was penitence. This went on until 1975.

Today, the convent is beautified by art. I was particularly intrigued by these hand painted fabrics, which were very creatively displayed. I leave it to your imagination as to what this artwork symbolizes. It certainly has meaning for ME.

Here’s a close up of one of the fabrics. They were all different and were all exquisite.

Tomorrow we head for Sydney, our final destination on this slightly modified tour of our seventh continent, so I’ll leave you with one last example of what my new iPhone 11 camera can do.

Alice Springs, Australia

In the early ’80s I was captivated by a Masterpiece Theater Miniseries, “A Town Like Alice”, so much so that I read the book upon which the series was based. Who knew that about 35 years later we’d be spending two nights in this “bonza” town in the Northern Territory, right after our stay in Melbourne.

There is still so much more to say about Melbourne, and I will eventually get to that, but first, I bring you Alice Springs with a summary of why this is a town we will never forget.

Our hotel, the Doubletree, is located right across from the Todd River. Both the river and the mall (among other things) are named after Sir Charles Todd, who brought communications to the area by constructing telegraph wires or stations or something along those lines. (Clearly I wasn’t all that interested). His wife’s name was Alice, and I’m guessing that at one time the area had a lot of natural springs?

Check out the Todd River.

What, you’re having trouble finding it? That may be because the “river” is bone dry. You see, this area can go for YEARS without rain. It actually looks a whole lot better on Google maps, portrayed as a blue ribbon surrounded by green borders. But no. It is all brown and dry. But the walkway is nice.

So, why did Mike and I decide to skip Uluru and the Great Barrier Reef to spend an additional five nights ( count ’em, FIVE nights !!!) in Alice Springs?

It was a nose bleed. Yes, you read that right. But WHAT a nosebleed! Enough to warrant a 3AM ambulance ride, a hospital stay of three nights, with a trip to the operating room thrown in for good measure. Thanks to the wonderful doctors and nurses in Alice Springs, our hero is out of the hospital and on the mend. But he needs to rest up, so we are hanging out in Alice Springs for those extra days, then flying to Sydney, where, if all goes well, we will be able to rendezvous one last time with our wonderful group before we all fly home.

Exactly HOW did Mike get that geyser of a nosebleed?

No, his boomerang did NOT circle back and whomp him in the nose!

It all started in Melbourne. He awoke very, very early with what he thought was strep throat. (It wasn’t). Being the considerate, resourceful guy that he is, he didn’t want to wake me or our tour guide, so he surfed the net to find St Vincent’s Hospital was close by. (Bad idea). I woke as he was headed out the door, unfortunately not alert enough to shout “NOOO. Don’t do it.” But then I figured he knew what he was doing, he’d get his antibiotics, then return to the hotel to spend the rest of the day sleeping off his illness.

While I was enjoying the magnificence of the Great Ocean Road, Mike was having his nasal passage assaulted. A nurse decided to ram a swab up his nose to do a flu test. That caused his FIRST nosebleed. (The afore mentioned nosebleed in Alice Springs was the SECOND one). The doctor cauterized the wound, (but not well enough) kept him in the hospital overnight and discharged him early Saturday morning, clearing him to fly to Alice Springs.

Although if we’d had our druthers, Mike would have skipped learning about another country’s health care system, however there WERE a few positives.

  • We felt lucky we weren’t in a remote area devoid of medical facilities AND grateful we both understood the local language (sort of).
  • We HAD purchased trip insurance plus we have high spending limits on our credit card, so we were okay paying (charging) up front.
  • We learned more than we ever wanted to know about travel insurance, electronic devices (phones, SIM cards, hot spots) which provides me with lots of material for future blog posts.
  • The hospital was only a mile away, so I got plenty of exercise walking along the “river”, from hotel to hospital and back, a couple of times a day.
  • I was able to download “A Town Like Alice” to my phone and reread it while waiting for Mike to get out of surgery. I had forgotten that I had liked the miniseries so much more than the book. Still it was a good distraction and it reintroduced me to the word “bonza”. What do YOU think it means?
  • We discovered how tuned in Australians are to what is happening in America, and how well informed they are about Trump, Pence, even Mike Pompeo! Some of them probably know more than many Americans. The nurses were curious about what Americans think of Trump, so we gave them our views and others’ views. Being liberals, that’s what we try to do. Present the facts. We had no idea how much other countries are counting on us to vote him out, something we heard frequently on our trip.
  • The hotel has a pool, so I could imagine I was taking a “sit in the sun and do nothing” kind of vacation. It didn’t take long for me to remember why I never go on that kind of vacation any more!
  • So, that’s why I haven’t been posting much these past few days. I know. A blog is an unusual way to inform friends and family of a somewhat traumatic event. (Mike’s nose was traumatized, as was my psyche).
  • Thankfully, all is well now. Happier posts will follow with better photos!