this post was submitted on 10 Aug 2023
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Asklemmy
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Ugh my parents both insist on travel insurance. What if you get sick?? Idk, I'll cancel the stuff I can and take the loss on what I can't, for all the travel I've done the amount of times that has happened does not even remotely come close to how much I would have paid each time for travel insurance.
No mom, I'm not going to insure our 2 night stay at the Hilton in (mid sized city). I'm sure it's going to be fine.
Last time I did was for a very very expensive flight across an ocean, just because it was like, 15 dollars on a 2000 flight for a few people. Fine, but everything else we took the risk. (And we did not use it)
Travel insurance is especially terrible, because a lot of the time it's a pretty substantial premium, and actually filing a claim on it is a HUGE PITA.
I worked for a traveler insurance company before, and we denied most claims that came in. People would buy insurance on a $100 concert ticket, paying a $10 premium for the insurance, then when they'd go to file the claim, we'd require a doctors note, so now they also have to cough up a $20 copay and a whole afternoon just to get a note saying "yup, this person is sick". And that's just one of the many ways people got fleeced. During COVID, a lot of travel insurance claims got denied because illnesses resulting from pandemics aren't covered in some policies as well
not surprised at all, I've found it's just better to learn the cancellation policy of your items. Most hotels are full refund if they know >48 hours, and if less usually you'll at least get points/credit back which for me I'll absolutely use next time. Not worth the premium and the hassle to get cash back if I only find out less than 48 hours ahead of time