Travel Insurance Saves Time And Money

On January 30, 2009 Kare11 published a story documenting the condition of Matt Honson, an English teacher in China.  Matt is in a hospital in Hong Kong receiving medical attention for brain and eye damage incurred from a life-threatening fall off a cliff.  His family is by his side, looking on while his stay and expensive treatment racks up medical bills uncovered by his insurance. 

Matt, his wife, Nora and some friends were hiking in rural China, when Matt fell headfirst 20 feet off the face of a cliff.  After finally discovering his location, they transported him, first to a rural hospital, and then to the current hospital in Hong Kong.  This segment of transportation alone cost over $70,000.  Next came the price of plane tickets for his family members to come to Hong Kong, to be by his side.  This is all notwithstanding medical bills.  In fact, the costly and time consuming treatment he is currently receiving worries his family, as they fear he will not be permitted to leave China until he pays for the services rendered. 

I do not in any way want to diminish the pain and suffering that Matt and his family are going through.  I cannot pretend that insurance could have prevented such a horrific and unprecedented situation.  Nevertheless, this story demonstrates how sufficient health insurance can grant substantial peace of mind in drastic situations.

There are many types of travel insurance that cover a variety of medical and travel related expenses. They are not expensive to purchase, and will in the long run save you money and time. Some of the things they cover:

Medical evacuation for the injured and a caretaker
Air Flight Accident
Hospital fees
Travel Delay, interruption or cancellation
Theft of passport and visa

We never wish or expect for these drastic situations to come about in our lives.  And when they do, the difficulties will always be significant and painful.  Insurance cannot cure any of these ills.  However, it can provide very real financial assistance in our times of need. 

A really smart tip:  Buy travel insurance.

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