3 Reasons You Don't Need Trip Insurance Good Sam TravelAssist travel insurance paperwork with during vacation

While trip insurance may seem like a good idea at first glance, you’ll find that’s not always the case when you dive into the nitty-gritty details. In fact, here are three reasons why you don’t need trip insurance, along with suggestions for options that may better serve your travel needs.

Trip insurance doesn’t always cover additional emergency medical transportation.

Yes, you read that right. The cost of air ambulance can clock in at around $40K to $50K and travel insurance, Medicare, and sometimes even your medical insurance usually won’t reimburse you one cent. Just to clarify, this is not the first responder services (i.e. if you need to be airlifted out of a vehicle crash site). This is the service that will take you from the hospital in which you were admitted (which may be states away) to a hospital that is closer to home or a medical facility that can offer you the care that you need.

As noted by MSN.com, air ambulance services are generally not included in insurance network coverage because they’re independent contractors. This lets them negotiate costs as they wish – and charge thousands of dollars per ride.

What to choose instead:

Opt for Good Sam TravelAssist and your emergency medical transportation costs are covered. This applies to ground ambulance services (as well as an air ambulance) or other transport to get you or a family member to a facility that can provide the required care.

Trip insurance often comes with more exclusions than perks.

Start reading the fine print on trip insurance policies and you’ll start to uncover an often lengthy list of exclusions. As USA Today points out, trip insurance generally doesn’t cover things like:

  • Injuries, accidents or emergencies not specifically mentioned in the plan. I.e., if an injury or mishap isn’t listed in the policy’s “description of coverage” section, it’s not going to be covered.

  • Pre-existing medical conditions. Medical help for issues related to conditions, injuries, or illnesses prior to your trip are generally your responsibility.

  • Extreme sports and other adventurous activities. Any activity a carrier deems as dangerous may be conveniently excluded from coverage.

What to choose instead:

Even if your existing health insurance plan doesn’t cover everything on the above list, it may already be providing more generous coverage than many trip insurance plans. You can also consider short-term medical insurance plans that provide specific coverage for out-of-the-ordinary needs during travel.

Trip insurance doesn’t get your family, vehicle, or pets home safe.

Even if your trip insurance helps cover the cost of hospital stays while traveling, some health insurance plans already have that covered. And neither plan is likely to do anything to get your family members (or you RV or vehicle) home while you’re busy recuperating in an out-of-town hospital.

What to choose instead:

Good Sam TravelAssist once again has your back. If you’re hospitalized or injured and unable to drive your RV or vehicle back home, we’ll cover the cost of getting them home safely. The average cost to return an RV and vehicle ranges from $5,000 to $10,000, and it’s included with your plan.

Flying your children, spouse or traveling companion home after an emergency is also part of the TravelAssist benefits. We’ll pick up the tab for their flights, which can cost up to $2,000 per person. And if you’re traveling with Fido, we can also assist in getting him home safely too.

The Bottom Line

Trip insurance may initially seem like a great idea, but can quickly lose its luster when you start reading the fine print. Additionally, your health insurance may cover more than trip insurance in the first place and having a plan like Good Sam TravelAssist can help fill in the gaps.

Enjoy better coverage and increased peace of mind by enrolling in Good Sam today.