I never used to travel with insurance. I had my reasons. When I was a student in Denmark, and when I lived in the UK, I was covered by their public health system. In other countries where I volunteered I was also covered by their public health system. And the other times… well I just took my chances.
But now I do travel with insurance.
What changed? Well…..
Firstly Dan had his run in this year with a tumor. The resultant surgery and recovery left him more prone to certain conditions…. like choking and chest infections. Since half of his throat muscles do not work anymore, he always has a chance of getting food and drink in his lungs. So even if he gets what seems to be a small cold, we need to get his lungs checked.
Secondly…. we have Jacob. So far Jacob has been much healthier than the both of us, but who knows what might happen? And since he is so young (and we are first time parents), we are more prone to want to take him to the doctor at any sign of trouble. So there’s that.
So for the first time ever, we have bought travel insurance. We havn’t used it yet…. but there was a big OOPS moment recently…..
One thing that I look for when researching companies is the item limits on electronics. Some policies will only cover certain items up to a certain dollar amount. Of course, you can usually increase these limits in exchange for an increase in your premium. This is something to consider if you are travelling with a laptop or expensive camera equipment (like us).
So what was our big OOPS moment?
We arrived in Belgium early in the morning and were not able to check in to our hotel until 4 pm. So we left our luggage and decided to go exploring. We enjoyed an incredible lunch (and wine), before heading to a beer cafe to sample some of the local brews. But it was only 2 pm. So we went to ANOTHER beer cafe. (Belgium has a lot of great beer.) Finally it was time and we went to the hotel.
It wasn’t until later in the evening when I went to get out the computer that I suddenly could not find the camera bag. The camera bag houses all our camera gear, chargers and other cords, and the computer. I looked everywhere. It was not to be found. I feared the worse.
Had we been pickpocketed? At some of the cafes we had visited there had been signs up warning of pick pockets operating in the area. Could it have happened to us?
Dan rushed back to the last cafe we had been at. And luckily… the bag was safely behind the bar. Apparently we had not been pick pocketed… we had just been a little bit tipsy and a little bit absent minded.
But we learned our lesson.