I am not here to harsh your vacation mellow – but – consider what level of risk you are willing to take while vacationing.
So here is an overview of your risks while on vacation.
There are 3 levels:
- You slip and scrape your knee,
- You’re showing off and fail. It’s off to the hospital for some stitches,
- You accidentally cut your head off and need air-evac to a US hospital to get it sewn back on;
So let’s address #1 – a minor scrape
All decent resorts have a doctor or nurse at the resort. They can fix you up for – little to no – cost.
#2 – you need to go to a hospital
Bring your credit card. You will be expected to pay BEFORE you get medical attention.
#3 – you need to an air – evac
Bring your credit card with a VERY big limit. Like $15 – $20k – before wheels up. There is no amount of crying, wailing or logic that will get you results before you pay.
So now you ask, ‘What do I do?’
First, check to see if your existing insurance covers you when you travel (most don’t!).
And then Check PricesCheck Pricescheck the price of travel insurance.
For about $99 – $199 per person you can buy travel insurance that protects you from medical emergencies – and – also allows you to cancel your trip for any reason (aka “CFAR”) – and get all your money back (including airfare).
Like all breathing people, I dislike being gouged by insurance companies – so here are links to other opinions – both Pro and Con.
The bottom line is how much risk will you accept?
Hope this helps…….