Tag Archives: exclusions

Bit of paranoia

Time for me to renew my travel insurance. I tend to keep an annual multi trip policy that I let expire and then randomly renew before I think I’m going to step into international waters again for whatever reason.

I HATE going through this. A friend told me to just buy and stop overthinking as it probably won’t make a blind difference what I do, the policy holders will wriggle out irrespective of who they are if I try claim. Why is it we assume insurers are part of the rings to hell and out to screw us all over? Possibly because I have never once successfully managed an insurance claim for anything I’ve ever been insured for.

Nevertheless it doesn’t stop me on a paranoid mission to scour the comparison websites, the ‘unbiased’ reviews of people who have purchased policies I have an eye on and ultimately, the greatest penance of all, trying to work out how much of the small print has shot me dead in the water before I’ve even begun the doggy paddle.

I’m actually quite indifferent to baggage or money loss being insured. I figure that’s why you should probably not travel with anything too valuable and these claims are near impossible to prove anyways. WHO still has the receipts to all their electronic goods and valuable luggage items? (Even as I write this I can tell someone is putting up their hands proudly, looking at their neatly indexed and filed folder of expenses.)

I’m more concerned about a policy paying out for medical bills. Not ‘serious’ ones like an emergency tooth filling or a bout of food poisoning or a few stitches. But actual serious ones. Ones that require a stint in hospital and the sinking feeling (literally) you are too ill to deal with the bills of the hospital and travelling back to wherever ‘home’ is. And the repatriation of my body and maybe someone to accompany me, dead or alive. These claims are hard to test without actually claiming on them though.

In the meanwhile I searched for five star reviews. HOW is it possible an insurance policy with only three stars has over 95 activities covered? While one with five stars has only 31? (Which, incidentally, exclude all sorts of things like safaris, motorcycles and kayaking (even on water like glass, limiting you pretty much to walking.)

I’m telling you it’s all rigged.

But they know that I know that to travel without anything is really asking for it. Like jumping out a plane without anything strapped to your back. As opposed to jumping with a heavy pack that MIGHT be a parachute that MIGHT open before you impact on the earth. (And MIGHT even be covered in insurance!)

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