What Travel Insurance Really Covers
News from CBS Local:

MIAMI (CBSMiami) – It may have happened to you at one time or another. You plan a great vacation only to be faced with something going wrong. While typical travel insurance can reimburse you for lost luggage or canceled flights, more extensive plans can help you if you get sick, or injured, or have to come home early unexpectedly.

Dale Cody seem to have planned a picture perfect trip rock climbing in Thailand, but the vacation quickly turned into a nightmare.

“I was in serious trouble,” Cody said. “I had a huge fever, chills, freezing cold, then broiling hot in a tropical climate.”

Cody came down with a mysterious infection and the small, private clinic he found for help had a big concern.

“Are we going to get paid” explained Cody.

Luckily, Cody had purchased travel insurance, which paid off, especially when his condition got worse.

“Behind the scenes, the insurance company worked to arrange a stay at Bangkok Hospital at Phuket, which is a world-class hospital,” he said.

Regular health insurance may not cover services outside of the United States. That’s where travel insurance comes in.

“About 20 percent of people whose trips have been impacted by a medical emergency or other type of emergency had travel insurance,” said Linda Kundell, spokesperson with the U.S. Travel Insurance Association. “That means that 80 pe…………… continues on CBS Local

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