Travel insurance Asia – Don’t forget the credit card

When traveling to Asia, everyone recommends getting travel insurance when you come, especially Cambodia, Vietnam and Thailand. Finding the right travel insurance plan can be a daunting exercise, especially if you are looking for adventure in your holiday travel diet, such as mountain trekking, skydiving, motorcycling on 50cc motorcycles, scuba diving and traveling on small boats. Most vacation travel specific insurance plans allow for some limited adventure activities like 14 days of diving, but they put restrictions on them, and unless you’re an expert, chances are you’ll end up in a loophole and be denied coverage .

If you work in the US and you have group insurance through your job, coverage more often covers high-risk things that aren’t covered by specialty travel insurance. The collective work insurance companies can afford it because the risk is spread out over a much larger group, with more people in a class, and most of them won’t do nice things! It is therefore a good idea to take out your regular insurance when you travel. Most employers, if you are on sabbatical or just on a long vacation, will have a way to continue your insurance if you pay the premiums. Talk to your human resources department about this, they like to talk about this sort of thing. If you lose your job, you may also be able to continue insurance under the Cobra laws, a very good thing to look into if you’re telling the boss to abide by it.

Most people in the dive industry will tell you that the DAN Master Insurance or the DAN Preferred plan are the preferred dive specific policies because they cover you regardless of depth. These policies cover evacuations, recompression that can be as much as $25,000 and DAN knows where the recompression chambers are and the quickest way to get you there safely. The DAN insurance also covers you if you are on holiday more than 100 miles from home, this includes their evacuation cover. So you might consider getting it reimbursed, if you’re not a seasoned diver. DAN understands the needs of divers better than a regular insurance company as they are a non-profit organization dedicated to dive safety and dive research, and a dedicated 24 hour hotline and they can really be a lifesaver if you need the expert help , as they have end of the line doctors who are used to talking to people in emergency situations all over the world, and these DAN policies for the coverage they offer are very cheap for the value you get. DAN insurance is intended as secondary coverage, so it’s a good idea to keep your work insurance valid. I’ve heard of dive companies in the US hiring their instructors as independent contractors, telling them to get DAN insurance, to avoid the cost of Workman’s Compensation paid to workers covered by the Jones Act.

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Credit cards for insurance?

We have seen people being refused again and again by the hospitals to accept travel insurance in Southeast Asia, especially Cambodia. forms with you to get your reimbursement, by your insurance company, which, as you can probably guess, will take some time and, by the way, will usually require you to provide the translation as well, so do it where you are here, instead from taking it to a surprise translation bill. I suggest everyone bring a credit card, with a lot of limit, and a PIN. Cash is the best thing to have with you in case of an emergency and a credit card is the safest way to carry it. Believe me, in an emergency, the best thing to do is to go to Thailand or Singapore as soon as possible, and then back to your home country, or to a place that understands diving medicine, and if you don’t have enough cash, it can slow you down . Some credit cards have evacuation benefits if you get injured while traveling, they can get some legal help too.

Some high-end credit cards and specialty travel credit cards also sometimes have some coverage for other travel-related things that can be helpful, such as getting your stuff replaced if it’s been scammed, not a bad thing to review or consider when applying for a credit card.

At the end of the day, the best insurance policy is not to get hurt, so keep your brain engaged and take it easy on the booze. A large number of accidents happen while intoxicated, make sure you are not one of them.