The short answer – maybe not but it saved me $1,800
Is this post sponsored? NOPE. This is just my HONEST, genuine experience purchasing travel insurance for the first time.
I was never the type of person who purchased travel insurance, the way I saw it the odds of something happening that would cause me to need travel insurance were slim to none. But when I decided to head to Thailand for two months with my sister and all of my camera and blogger gear I thought, you know what – maybe I’ll take a look.
So, I shopped around and found a pretty inclusive policy with Allianz that was too cheap to pass up. It was right around $300 for the both of us for our entire trip and covered literally everything I could think of. We chose the Classic Plan (now called OneTrip Prime Plan) and I felt the coverage amounts were suitable in case anything did happen luggage-wise, emergency-wise, or medically.
A Basic Look At Our Trip’s Coverages:(keep in mind these are based off length of trip, cost of trip, etc.)
And those are just some of the coverages.
Long story short, the NIGHT before we were supposed to board our long haul flight to Bangkok – I herniated a disc. But was I going to let excruciating pain and slight immobility stop me? Hell no. So, armed with an arsenal of painkillers (which I NEVER take) I boarded that plane and made it all the way to Bangkok. My sister I think suffered almost as much as I did, she had to help a lot with anything that involved me bending over, lifting, or really anything that required me to move. Things were difficult but after about two weeks I felt closer to my normal function. So, we carried on in Pai – renting motorbikes and exploring the mountains. And then the best thing ever happened. I re-herniated whatever portion of my disc had already started to heal. It was like square one… but worse.
After some sorry for myself tears, I called my travel insurance company and the man I talked to instantly made me feel better. I told him I couldn’t decide if I even wanted to try and utilize my travel insurance or if I wanted to stick it out. He said no matter what I decided my options were open. In the end (about a week later) I booked tickets home for my sister and I that were MUCH more expensive than our original return tickets. So, after returning home, I went and saw a doctor (who also informed me that I’m prone to disc herniation because of severe arthritis in my spine due to bad genes WOOT!) and that was it. I filled out ONE form, and sent that along with my receipt for my return airfare and was refunded in about 10 business days. No hassling, no interrogation, no feeling attacked, it was honestly the best experience I’ve ever had with any type of insurance company.
The moral of the story?
I will always purchase travel insurance and Allianz will be my first choice. They have great prices, excellent coverage options and even better customer service.