Talk:Travel insurance
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I have taken the liberty of starting this section based on some of the research I have done. I have also added a couple of links of interest. One is from a commercial site, but is probably relevant in the context. Please add to this as appropriate. —The preceding unsigned comment was added by B2bhandshake (talk • contribs).
I've moved the following here from the article; its tone is inappropriate for Wikipedia, it sounds like it's selling something.
- Before we get into the details, exactly who needs travel insurance? Practically everyone who travels needs some sort of travel/health insurance to cover unforeseen risks. Indians are especially vulnerable because medical insurance issued locally in rupees may not cover a bigger bill in dollars or Euros. Short-term visitors, those on businesses or visiting friends or family, are especially vulnerable since they can be lulled into a false sense of security by presuming that their regular medical policies provided by employers in their native lands, will cover them. That is not true since most insurers of regular policies explicitly exclude foreign travel. Even students going overseas to study may find it intriguing that although universities provide plans that cover them after they register as full-time students, they may not be covered when school is not in session. Human tragedies involving injury, hospitalisation or death can occur at inopportune times, putting an undue financial strain on self and dependents.
- Another aspect of travel insurance is the “variety” of policies available in the globalised marketplace. Hundreds, if not thousands of companies provide insurance of different kinds, ranging from very basic “emergency” policies to those with extensive and in-depth coverage. The length of coverage, premium, deductible payable, number of people covered, area of coverage (local, country-wide or global) also may vary from one provider to another. There are also a number of specialised insurance vendors who have sophisticated interfaces on the Web, which allow visitors to view brochures, compare policies and even buy the policies directly using a credit card. It goes without saying, as with every online transaction, the maxim of caveat emptor, buyer beware holds true.
—Cleared as filed. 23:36, 31 December 2005 (UTC)
Personally I believe the 1st paragraph of the deleted content to be very important information. People are often mistaken in thinking they do not need travel insurance just because their US medical insurance covers them abroad. However, if you get hit by a car in a foreign country, your medical insurer will require you to first claim from the foreign auto insurer. This is a laborious process when distance, time zones and foreign languages are involved.
I did a tiny proofread. "Insurance" is a collective singular term and should not be plural in this context, as the article refers only to one type of insurance. I thought it scanned and read a bit better this way. I think this article should be written-possibly with a bit more explanation, and a little less positive weight...a bit more neutral and this would be good. Resonanteye 05:17, 19 November 2006 (UTC)
