The Don'ts of Travel Insurance - Watch Before You Travel

[@SarahandMarek]

Travel insurance is important but the 'right' travel insurance is SO important 🤞🏼 thanks for these tips! 😄

[@woltersworld]

Yep. Always ask.

[@madhealerofwindurst807]

So true. My travel insurance did not cover my trip when it was canceled due to Covid-19.

[@woltersworld]

@@madhealerofwindurst807 Yeah, fine print... "no pandemics" that is why wording of events is important. "Named hurricanes" versus bad weather :)

[@Rodmic-hd9pn]

This family is so so blessed to be able to travel so frequently.

[@serialclone]

Watching the Wolter family doing things together is one of the most wholesome things on KZbin.

[@davidhuber2076]

When the rubber hits the road insurance can be a scam. The objective of these scammers (opinion) is to pay you as little as possible or not at all. It is difficult to see a sense of transparency in a 43 page insurance contract where all the "by the way" clauses are buried in non fine print. Be careful.

[@Rodmic-hd9pn]

AS an ER nurse maybe this will help. in addition to this helpful video I always research medical care, hospital capabilities nearby and ability to be flown out.I was really surprised to see that the Mediterranean NCL Breakaway don’t treat dehydration with IV administration

[@MissBrighteyes86]

Thanks for posting this. I am a claims support agent for travel insurance. And though it doesn't work out for everyone because the policy rules outcome-I believe in travel insurance and I have seen so many people benefit from it.

[@macconmara7252]

I love this family! One thing I tell my friends and family is that always use a credit card and not a debit card when they travel. You have way more protection with credit cards. Another great video. Thank you!

[@woltersworld]

So true! I only use debit to take cash out, otherwise it is credit card all the way.

[@valtracy17]

Totally agree! You can dispute cc charges if they are fraudulent. We had issues in Italy Dec 2019. Our rental car kept charging us for traffic tickets, fraudulent parking violations, damage and gas replacement. Mind you we went Christmas 2019 and we just received another charge (or attempt because we canceled the cc and got replacement) last month. That is a year and a half after the fact. So charge cards can save your bacon.

[@shannonmcveigh]

I work for a travel insurance for the most part everything was good, but some plans have early purchases benefits for pre-existing condition, but our definition of pre ex isn’t going to be as strict as what a doctor would say. Also usually insurance is cheaper the closer you get towards your trip.

[@caseyd3963]

Hey there is there an company you recommended? I’m a new traveler and don’t know where to look. We’re going to Cancun in March and feel like I’m Running pout of time😳

[@shannonmcveigh]

@@caseyd3963 I would recommend Travel Guard.

[@caseyd3963]

@@shannonmcveigh thank you!! 🙏

[@judelinenyame]

​@@caseyd3963I'm traveling to Ghana what insurance u recommend plz

[@jimgood1949]

One important consideration for senior citizens is that many companies refuse to write travel medical insurance for anyone over the age of 70. I would like to see recommendations from people over 70 who have had good experiences with health insurance abroad, including the name of the company.

[@harryhahne]

Yes. Most KZbinr recommendations don't cover anyone over 70. Still trying to sort this out

[@MadeNCda]

Thanks for this excellent video. Great points. I'm currently going through breast cancer treatment and it's changing how I view travel insurance. Purchased it in the past but now, it's a whole diff ball game w a pre existing condition.

[@paulkoza8652]

Good advice. I have always steered away from travel insurance that is sold by the carriers - air, rail, water. I prefer to purchase mine from a reputable insurance company. Also, read the exclusions before you buy. This is the fine print of the policy. You need to know what the insurance will NOT cover. Often, AMEX will cover liability on the car you rent. However, you must decline the CDW at the time you rent for this to take place. As you said, often you will have to pay on the spot and the insurance company will reimburse after the trip.

[@HR-wd6cw]

I just got travel insurance for a recent trip I took overseas. Read the policy. If you're not traveling out of your home country, then chances are you may not need things like medical insurance (for example, if you're in the US and you are traveling to another US destination, and you have PPO insurance, then I would maybe skip the medical insurance, but perhaps still at least get the other insurance not related to medical needs, such as trip interruption or lost baggage, etc, because those things can still happen regardless of where you're going). Also call your medial insurance provider. I found out that mine will cover injury in other countries (depending on the country and the situation) but I would have to pay up front and they would reimburse me, so it depends on the level of risk you want to take. But I opted to get medical insurance included since I was going overseas for that trip and had heard that since I was NOT an citizen from an EU country, upfront costs could be high, like in the thousands) The trip medical insurance set my deductibles to a much lower amount like $500 or $1000 in most cases. So for the $125 it gave me peace of mind. I would say maybe DON"T buy the travel insurance that some are offered after booking a hotel or plane ticket as they may not be the best deals. I generally book things separately (and don't use a travel agent). It takes a bit more time but it allows me to shop around for all components of my trip (hotels, airfare, insurance, transportation etc).

[@tosht2515]

*PEACE OF MIND* @11:38 I’ve purchased travel medical insurance for every single trip outside the U.S. and have never once had to use it or make any claims. HOWEVER the personal *peace of mind* is well worth it to me. *Excellent advice as always, Mark.*

[@woltersworld]

Thanks Tosh!

[@woltersworld]

you were right. insane number of spam spoofing me. And KZbin hasn't done anything. I reported that channel last month.

[@tosht2515]

@@woltersworld Since I’m usually very late to your videos I have the lux of reading a bunch of comments and replies. It’s a blessing and curse. 😀

[@TripHacksDC]

Everyone likes having insurance until it's time to file a claim. I've heard some horror stories about the free credit card insurances, unfortunately.

[@neonunderground5972]

I find this to be one of the most confusing and scary topics to research. I found this video to be really helpful thanks man

[@JoshuaCueva]

I really wish I had more research about car rental insurance before I went on a solo road trip this past summer. I ended up buying car insurance at the counter at Hertz to cover my rental which ended up being more expensive than the subtotal of my online reservation. I chose the pay now option when reserving the rental online and it was around $574 whereas my insurance racked up to $734 (taxes + fees included) since the insurance add-ons were apparantly charged BY THE DAY, and I rented the car for ten days. This trip in itself was done thanks to planning I've done beforehand and I had a feeling I would not get everything perfect. I just turned 23 and it was the first time I've done anything like this, so even though I feel ripped off about the insurance thing I'm glad I got to experience the trip. Next time I might look into buying insurance from third parties rather than directly from the car rental company.

[@paultipton743]

If travelling to an Amber/yellow country or it goes from green status to Amber with these pandemic times your insurance may not cover you or go void so check before you go.

[@djshockafrica4330]

Thank you, Mark, incredibly useful video! I do appreciate all the information and what you and your family went through to help so many of us. Wishing you a quick recovery!

[@woltersworld]

Thanks Jackline. Sorry that we have spammers who are spoofing my channel and profile.

[@davidRios622]

Remember when was young and and added travel insurance by mistake in United Airlines , later I had and accident in czech republic and helped me to find a hospital near me and everything I need . At the end it was jut 300 crowns for cleaning my wound and stitches , I didn't claim that money back , but was glad to have the insurance on time of need , relief a lot of the stress on those situations.

[@eurwaytourstravelinfo8265]

Thanks for sharing, our travel group so enjoyed the information ~ Juanita at Eurway Tours

[@charms87]

For Chase Sapphire Reserve, only part of the trip has to be purchased on the card for everything to be covered.

[@photographybya7602]

I love the energy you bring to this video. Thanks for the sound advice!

[@lawrencebaker2318]

When in France, a few years ago, I was able to find in-network doctors and hospitals in every place I visited. I had the list in my billfold and in my luggage. Was not needed, thank goodness. but was very reassuring!

[@woltersworld]

That's awesome

[@vikaskumarsahu2298]

Thank u sir..❤️❤️love and respect from India 🙏🙏👍 happy journey..👍

[@1ginarossi]

Thank you so much for all the information that you share with us!

[@georgebyron468]

Love your channel Mark. Been binge watching your videos to get tips for places to go on my travels.

[@valerieshy8749]

Love your videos. They are always straight forward and super insightful. I know several people who could have used this timely information before they got stung by dealing with travel insurance which didn't match their needs.

[@woltersworld]

It sadly does happen :(

[@MagnificentGermanywithDarion]

Oh my goodness Mark I just now saw this lol. First I did not know that you had hurt your foot and were in a boot as well. I am glad that you had insurance. You know my story and I am so glad that I had purchased travel insurance as well. I had broken my leg/ankle on July 1, 2021, on the Alpsitze :). (BTW, as of today I no longer have to wear my boot, yippie yay). Ironically, I have a video filmed already about travel insurance that will be out in the next few weeks lol lol. Dankeshoun Tchuss :)

[@CathyTalksMiami]

Which travel insurance company have you used in the past and would most likely recommend for a one-month trip to Germany from the US? There are so many choices out there, it can be confusing! I understand no travel agency is “perfect”, and whichever insurance you recommend is based on your own experience. Thanks so much! Love your videos!

[@jenniferkannapel9450]

Yes! Recommendations of companies worked with successfully would be great

[@just_russ4633]

Big tip on travel insurance. Do not use Safety Wing! They do not pay out claims and once they have your money they don't want to know you.

[@a.humphries8678]

Thank you, was about to purchase from them!

[@sunnyscott4876]

LOL. I'm old enough to remember the time when you bought flight insurance from a little vending machine in the airport before you got on the plane....just in case!:💖🛩❤🛩❤💖🛩❤💖❤🛩❤💖

[@macconmara7252]

I am old enough to remember those machines also! Times sure have changed!

[@docloftis]

I may be mistaken but I don't believe any travel policy covers required testing. I learned recently in Albania that any testing during travel may have conflicting requirements. But the burden is always on the traveler. You pay for a test but at the airport, it's rare that any employee even looks at your results! You just sign off as being tested and on your way... The main point: even if you are vaccinated, expect a test requirement. Expect to pay for this yourself. Expect to pay anywhere from 25 to 100 dollars per person out of your own pocket. Also--not every airport has a testing center and some that do, may not be open when you need it. So you will be on your own for this to be done. I think it would be a great help if someone would direct people in this matter as travel resumes.

[@valtracy17]

I very rarely get travel insurance. I have when we have gone on cruises in case one of us needs transportation back to the states. But great information on what to make sure you're covered by with your own insurance.

[@woltersworld]

Thanks Val!

[@selee_nium]

I need to start being well versed in things like this. I’ve never gotten insurance If I had had travel planned in 2020 I would definitely have been out ALL of my money

[@deeangel6396]

Its What We need to know about travel insurance. thank you

[@mirandalynn5477]

I have been watching you for couple years sir and you have helped us a lot thank you

[@michellefang6342]

Please suggest some travel insurance companies. Thank you!

[@river6448]

Yes please

[@jorgezepeda2461]

Best video watch of my search for travel health insurance

[@scottman895]

Thank you for the information! This is quite helpful especially since I'll likely be booking at least one international trip in the coming weeks. I have noticed that a lot of countries, especially right now with the pandemic, have mandated travel insurance for entry.

[@woltersworld]

Glad we could help

[@wl03bu]

Check with your employer to see if you get travel insurance from work. I have had to explain to coworkers that we already have travel medical insurance.

[@woltersworld]

Good point! I have coverage woth work but my family doesn't

[@theorderofthebees7308]

That was so much information but slightly overwhelming, perhaps another video that breaks it down into mini travel Topics a video that just handles “ medical insurance “ one for auto etc etc

[@Liliandkai]

We are also traveling the world and are happy with our insurance, its so important while traveling!

[@boatlover1875]

Amex has a policy, at least the used to, that you could sign up for that if you used the card to rent a car in most countries, they would charge $25 or $35 and it would also cover loss of use in addition to their rental car coverage. This can be quite expensive and subjective on the rental companies part. How much they could have rented the vehicle for while being repaired or replaced. It had a limited time frame per rental.

[@SonyBX57]

Great tips, thank you for sharing!

[@euroschmau]

I just booked a trip to Spain for September and purchased John Hancock Silver plan travel insurance. What sold me was reading that it covers if you have to quarantine. As of now, you have to show a negative Covid test before returning back to the USA. If you test positive, you will need to quarantine for 14 days in country before flying back, which can be extremely expensive. Make sure the policy covers if you have to quarantine while abroad.

[@peacefamily212]

What a brilliant video I love it, thank you so much! 👏 Best Wishes! X

[@scottmacconnell470]

Question, how do you get the insurance in like 24 hour of booking your flight but have not booked everything else? they usually require a total price for the trip.

[@ColtsMan2005]

Would you consider doing a video on how to travel across the US?

[@sotonin]

you mean like. uhm. drive a car? there's not much special you need to know

[@ColtsMan2005]

@@sotonin its alot more than just that. plannig, hotel advice, and tons of other stuff.

[@carolynjanegillis6591]

Tremendously useful information! Thanks!

[@Gerycurl]

World Nomads Travel Insurance. I tend to get them when I travel. Are they a good one or does anyone have anything better? I've never had to file a claim but I get them just in case.

[@carolynbowles]

I'm trying to figure out the same thing with World Nomads Travel Insurance. Do you still use them? Have you heard others' experiences? Thanks!

[@GlobetrotterGranny]

Walter, what travel medical insurance do you recommend or do you know are legitimate companies that folks are less likely to get ripped off with?

[@T1nyDynamite]

Any advice on traveler's health insurance when travelling to the US?

[@justhermit5306]

If you got waxxed forget about flying! You could easily die from blood clots forming at high altitudes.

[@alanwchase7449]

Great Advice !My Aunt broke her foot on a trip to Prague and her insurance really helped out.I bought a policy for a 2 week trip to Europe,fortunately didn't need ,but a couple hundred dollars purchased a lot of peace of mind!

[@janellpennington4463]

Heading to Greece in Sept., this video is so helpful!! Thank you so much!!

[@woltersworld]

You are very welcome

[@ganeshponnusamy2158]

Thank you for your tips in travel insurance 👍👍

[@AmadouDiallo-ip1pm]

As a passionate traveler I used to purchase an all inclusive annual multi trip travel insurance. I definitely am going to get one as travel seems to resume with the end of the pandemic drawing near .

[@TravelingwithKristin]

Hey I’m in Miami!! Let’s link up

[@tgamble1000]

Don't forget about emergency dental care...

[@karenkranig2968]

Thanks Mark! You really cover all the bases, Love you and your family! Stay safe!👍

[@woltersworld]

Thank you Karen!

[@dylantyt6654]

I've noticed while traveling abroad, I am reluctant to partake in those local activities and nit so much because I don't want to or feel excluded, but because Americans have a stigma of being the center of attention, so I try not and kick the ball when I am the foreigner

[@BelovedbyAdonai]

Excellent video ❗🎯

[@sminthian]

I remember when I was living in Kodiak and they had an earthquake and all of my family members were telling me to leave ASAP. Uh, there are two ways to leave, the once a week ferry and the once a day plane. Both are booked for weeks in advance (it's an island, you can't just drive away), so...how do you expect me to leave?...

[@faith_made_me_strong]

What do you think about Faye travel insurance? Good?

[@MyJourneySolo]

I am taking two long trips soon. Going to multiple countries on each. Onr is 6 months and the other will be for about 5 years. How can I insure these?

[@user-jg5xm8um8y]

Man there are so many considerations I’ve never thought about!

[@jirosano9120]

Are the travel insurances sold at airport worth it? I’ve seen them at Narita and other int’l airports just before the departure areas. Seems like i’d be in a hurry to be reading the ‘fine print’.

[@seanmcerlean]

Very sound advice Mark.

[@woltersworld]

Thank you Sean!

[@seanmcerlean]

@@woltersworld you are welcome.

[@erink8074]

This was very helpful!!

[@woltersworld]

Thanks Erin!

[@Phlegethon]

Uh…hospitals in China don’t have initiation fees…not the good public ones anyway

[@loris7964]

I know you have a the info on up to date ins. coverage with Covid/pandemic/cancel/medical what do you recommend

[@gilbrook]

Just subscribed. Going to watch these adventures. Don’t know how they can to so many things!

[@AmadouDiallo-ip1pm]

Great advice as usual. Thank you 🙏

[@woltersworld]

Thank you very much!

[@blinesam]

I'd like to add that lots of travel credit cards have built in trip insurance of varying degrees, so that may also be worth looking into.

[@johnley8168]

I used World Nomands trip insurance and it was almost impossible to collect.

[@Ta-vq2lz]

Hi, planing 7 days trip to US and buying a travel medical insurance online fm India. How can I check the company /policy is valid / authenticated one in the US

[@vanessarodriguez8891]

¿Can you please recommend me a good full coverage travel insurance? Medical, death,etc., Traveling from US to Colombia.

[@leeandjancruise]

If anyone has claimed against their travel insurance and the claim was dealt with quickly and efficiently then please let us all know as it would seem claim handlers at the moment in the U.K. are incompetent, drag the claims out over months and don't answer the phone or reply to emails. Before buying travel insurance always read the reviews for the company claim handlers not the brokers, you will be shocked.

[@fastcat9805]

Can you recommend a certain company for mexico

[@kalmahamlak]

The kid in 5:33 Things that happen in Northern Italy!!! 😄😄

[@jamesries5534]

Don't think travel insurance will pay it all(medical wise). They will pay(sometimes part) what your regular insurance does not pay. Reg ins. first then travel ins. not the other way.

[@JakeMillerDoesTravel]

Great information!

[@woltersworld]

Thanks Jake!

[@rebeccagutierrez1960]

So I went on a nice Mediterranean cruise right before we even know what coronavirus meant. I lost a tote bag. It also contained gifts and items that I bought in Turkey, small ceramic bowls from Greece and gifts for my Mom that I purchased on the ship. The journey was long of course and from Rome to Miami, I know that's where I lost this bag. Well, to make a long story short I realized I left it in the overhead compartment of the plane. The insurance company did not cover because of that same fact...that I left it in the overhead compartment. They will not cover anything that is left in that area of the plane. Beware!

[@woltersworld]

That's good to know. Sucks :( but good to know

[@TTVTravel777]

In 2022, do I need a passport or visa to visit Hungary as a U.S citizen? How would I get through customs in my layover country without one? What about re entry back to the U.S from Hungary?

[@jahanas22]

Good advice

[@caseyd3963]

Hi guys! I’m a new traveler. My husband and I are going to Cancun in March and I really want to buy trip insurance incase we can’t make to Mexico, with all that’s going on with the airlines. Also my husband is a type 1 diabetic so I’m worried about something with that too. We really saved up for our all inclusive resort. Do you have any trip insurance you would recommend? Im just worried about loosing out on all the money we’re spending for our resort. Im not worried about luggage. Thanks any advice would be greatly appreciated! Also we don’t have renters insurance 😊

[@caseyd3963]

Sorry guys I’m Lost and don’t know what to do but just want to have some sort of coverage incase my husband gets really sick, hurricane or our flight is canceled and we can’t get there. Our last flight which was our first to Florida, spirit told us we were going to have to spend 3 nights in the airport unless we wanted to buy another ticket to Boston 😢. This was not weather related, the airplane pulled up to the wrong gate so our flight was delayed and caused us to miss our connection😂

[@farmboy5129]

With cancelation insurance will it refund points you spent for hotels or flight

[@Gabriel-pt6tq]

Anybody have opinions on World Nomads insurance?

[@luumaven]

Very interesting information! Thanks.

[@keithbertschin1213]

Never understand trip insurance. Who can’t suck up the cost of a vacation? After all, you can afford to take the vacation. I just don’t want to lose my house over medical!

[@ChrisWRR]

Have you ever caught a thief in the act while traveling and if so what did you do?

[@macconmara7252]

Good question!

[@woltersworld]

I did, but they were pickpocketing a person next to me on an escalator in Lisbon. Looked at them, they put the wallet back in the girls backpack and then jumped off the up escalator to the down escalator and then ran off. Told the lady to keep her purse in front of her on the escalator.

[@Originalman144]

I was standing on a wide boulevard in Barcelona waiting for the light to change and saw an older man across the street get his wallet and phone snatched. It was early in the morning sunrise. There were only 3-4 people on the entire street looking both ways. The thief took off running further up the side streets and was gone in a flash. Nothing I could do. In Madrid a lady tried to pick my front pocket on the train with a jacket over her arm and her kid next to her. When I realized I looked at her quickly and she moved away like a snake never acknowledging that I caught her.

[@orthodiva7487]

@@Originalman144 same thing happened to me in Aix-en-Provence with a teenage girl with a cardigan wrapped over her arm and tried to pick my Travelon anti theft bag. My hubby caught her and raised his voice and told me to watch out. She put her arms up and acted like she wasn’t doing anything. This happened while we were waiting to board our bus excursion for Holland America. 😂😂😂

[@erroljohnson6226]

What if an travel advisory is issued not to travel to a specific country and you go anyway something happens would you be covered anyway

[@woltersworld]

Read the fine print. It will tell you

[@victoriadell614]

Greek Island: Emergency room, rusty IV stand, glass thermometer, plus prescription = $18 - I got lucky! Hope your foot is all better now. :-(

[@woltersworld]

Just a little limp. Probably another couple weeks in the boot

[@victoriadell614]

@@woltersworld Whew! I'm very careful with my feet. If they go, I can't go. Wet cobblestone be damned!

[@Kessina1989]

My cousin had a accident in Greece as he was a kid and his insurance didn't covered that

[@woltersworld]

Ouch

[@oldbittercraig3513]

(Stowed away for later use, when seriously re-planning our Covid-Canceled trip.)

[@danielpatino475]

Go to colombia 🇨🇴 please

[@brentwilde9843]

Great info I didn't realize how complicated wow!

[@woltersworld]

It sometimes is

[@evelyngrammar]

Great advice! Thanks, Mark!

[@woltersworld]

Thanks Evelyn. The other comment was a spammer pretending to be me.

[@repete763]

Do you have any insight to "the free antigen tests ' in Paris for return trips to USA for US citizens ,thanks.

[@jordangould4763]

Most of these are important points, but I'd encourage you to recommend that people fight smaller percentages refunds. Insurance is essentially another tax and people should understand their capability when fighting this filth.

[@1R3VOLUTION]

Always sound Advice from Mark Wolters, this guy is a top shelf traveling 🧳 advice expert.

[@woltersworld]

Thank you!