Comments on: Travel Insurance, Don’t Leave Home Without It! http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/ Sat, 02 Jan 2010 05:29:02 -0500 hourly 1 By: Better Photo School http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-9117 Better Photo School Tue, 01 Dec 2009 01:53:14 +0000 http://thailandlandofsmiles.com/?p=2467#comment-9117 It is better just to have the piece of mind no matter where you are going. I had travel insurance for Asia only not to bother with Australia and guess what!! On a long train trip I had my rucksack stolen from the luggage rack. The places you think might be safe are the ones that often trip you up..... Patrick | BPS .-= Better Photo School ´s last blog ..<a href="http://feedproxy.google.com/~r/bpschool/~3/Z_Zc0PW7gSY/28-how-to-shoot-fireworks" rel="nofollow">How to shoot fireworks</a> =-. It is better just to have the piece of mind no matter where you are going.

I had travel insurance for Asia only not to bother with Australia and guess what!! On a long train trip I had my rucksack stolen from the luggage rack.

The places you think might be safe are the ones that often trip you up…..

Patrick | BPS
Better Photo School ´s last blog ..How to shoot fireworks My ComLuv Profile

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By: uberVU - social comments http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8751 uberVU - social comments Wed, 28 Oct 2009 06:50:29 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8751 <strong>Social comments and analytics for this post...</strong> This post was mentioned on Twitter by landofsmiles: New post #Thailand #Travel: Travel Insurance, Don't Leave Home Without It! http://bit.ly/3Gl1Cn... Social comments and analytics for this post…

This post was mentioned on Twitter by landofsmiles: New post #Thailand #Travel: Travel Insurance, Don’t Leave Home Without It! http://bit.ly/3Gl1Cn...

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By: Talen http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8381 Talen Sat, 03 Oct 2009 01:02:53 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8381 I have heard many of the same stories Cat...and it's never good to haggle while you are still actively bleeding. I have heard many of the same stories Cat…and it’s never good to haggle while you are still actively bleeding.

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By: Talen http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8380 Talen Sat, 03 Oct 2009 01:01:25 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8380 Mike, why not get medical insurance? Bupa has some decent plans that won't set you back too much...anything is better than dipping into savings. Mike, why not get medical insurance? Bupa has some decent plans that won’t set you back too much…anything is better than dipping into savings.

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By: Catherine http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8377 Catherine Fri, 02 Oct 2009 21:02:33 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8377 Excellent advice Talen. I'm a big supporter of travel insurance. It is especially important for those coming to Thailand. I've had the son of a friend get into a dispute with a huge hospital bill while on holiday in Thailand (his parents complained to me as soon as they knew I was a resident here). And after listening to the account, it did sound like he'd been 'done'. I've also read many online reports of tourists getting into accidents where they were taken direct to the most fru-fru hospital around, with the costs skyrocketing into crazy heights (at times over what they would pay in their home countries). And in Thailand, there is no 'pay later' deal. You pay now. .-= Catherine´s last blog ..<a href="http://feedproxy.google.com/~r/womenlearnthai/PKcd/~3/YbicpFtNvso/" rel="nofollow">Thai 101 Learners Series: More on Titles</a> =-. Excellent advice Talen. I’m a big supporter of travel insurance.

It is especially important for those coming to Thailand.

I’ve had the son of a friend get into a dispute with a huge hospital bill while on holiday in Thailand (his parents complained to me as soon as they knew I was a resident here). And after listening to the account, it did sound like he’d been ‘done’.

I’ve also read many online reports of tourists getting into accidents where they were taken direct to the most fru-fru hospital around, with the costs skyrocketing into crazy heights (at times over what they would pay in their home countries).

And in Thailand, there is no ‘pay later’ deal. You pay now.
Catherine´s last blog ..Thai 101 Learners Series: More on Titles My ComLuv Profile

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By: martyn http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8376 martyn Fri, 02 Oct 2009 18:08:47 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8376 Talen sound advice and one that is ignored by plenty. My insurance is covered by my bank and is a great ease of mind to me but so many choose to ignore the simple fundamentals of a planned holiday. In the UK you can get ample year round insurance for about 50 dollars but the like of the Pattaya goers look on that as one good time with a lady or two rather than peace of mind about security thousands of miles from home. You can never teach the young or frugal, they know it all. .-= martyn´s last blog ..<a href="http://www.thaisabai.org/2009/09/my-girl-chameleon/" rel="nofollow">My Girl – Chameleon</a> =-. Talen sound advice and one that is ignored by plenty. My insurance is covered by my bank and is a great ease of mind to me but so many choose to ignore the simple fundamentals of a planned holiday. In the UK you can get ample year round insurance for about 50 dollars but the like of the Pattaya goers look on that as one good time with a lady or two rather than peace of mind about security thousands of miles from home. You can never teach the young or frugal, they know it all.
martyn´s last blog ..My Girl – Chameleon My ComLuv Profile

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By: Mike http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8374 Mike Fri, 02 Oct 2009 06:41:36 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8374 Talen I can't argue on this one. However many people do travel here without travel insurance. I always had a yearly worldwide policy before I moved here. Like Ray I do not have medical insurance here, but that said I have enough in the bank to cover most things or at least get me patched up enough to flee to the UK! I am not against medical insurance but premiums for over 60's get a bit ridiculous. .-= Mike´s last blog ..<a href="http://feedproxy.google.com/~r/TheTeflDon/~3/iHqg5PZRgIo/accidental-expat.html" rel="nofollow">The Accidental Expat.</a> =-. Talen I can’t argue on this one. However many people do travel here without travel insurance. I always had a yearly worldwide policy before I moved here.

Like Ray I do not have medical insurance here, but that said I have enough in the bank to cover most things or at least get me patched up enough to flee to the UK!

I am not against medical insurance but premiums for over 60’s get a bit ridiculous.
Mike´s last blog ..The Accidental Expat. My ComLuv Profile

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By: Talen http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8372 Talen Fri, 02 Oct 2009 03:58:05 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8372 Ray, you are correct and it does happen all over Thailand. Falangs always get the higher price. I have had friends with compound fractures asked how they will be paying for a hospital stay before they were admitted! If you don't have insurance definitely haggle as if your life depended on it. Having travel insurance negates all of that...no haggle no worry if you get the right insurance. I've been luckier than my girlfriend, she is a little accident prone for a Thai. Hell, in Thailand just walking down the street can break an ankle. :) Ray, you are correct and it does happen all over Thailand. Falangs always get the higher price. I have had friends with compound fractures asked how they will be paying for a hospital stay before they were admitted!

If you don’t have insurance definitely haggle as if your life depended on it.

Having travel insurance negates all of that…no haggle no worry if you get the right insurance.

I’ve been luckier than my girlfriend, she is a little accident prone for a Thai. Hell, in Thailand just walking down the street can break an ankle. :)

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By: Ray http://thailandlandofsmiles.com/2009/10/01/travel-insurance-dont-leave-home-without-it/comment-page-1/#comment-8371 Ray Fri, 02 Oct 2009 03:52:17 +0000 http://thailandlandofsmiles.com/?p=2467#comment-8371 Nice post, this is certainly an issue when travelling in Thailand especially. You make the point that a unforeseen illness can be expensive by Thai standards but you should also make people aware that they can and should haggle with the bill, if you are a foreigner in Thailand you will be charged a hell of a lot more. I have heard personal accounts from a number of people who were faced with massive bills getting them reduced after arguing their case. One friend I know was in a bad motorcycle accident, smashed shoulder and a cracked skull, when a bill of over 300,000 baht was put in front of him he protested that he lived here and wanted a 'Thai price', he was then quoted 100,000 baht for the same treatment. Quite a reduction I am sure you will agree. I am not sure if this practice happens all over Thailand (although it probably does!) but thats the way it is in Samui and Phangan. To finish off, I dont have medical insurance either :) Nice post, this is certainly an issue when travelling in Thailand especially. You make the point that a unforeseen illness can be expensive by Thai standards but you should also make people aware that they can and should haggle with the bill, if you are a foreigner in Thailand you will be charged a hell of a lot more.

I have heard personal accounts from a number of people who were faced with massive bills getting them reduced after arguing their case.

One friend I know was in a bad motorcycle accident, smashed shoulder and a cracked skull, when a bill of over 300,000 baht was put in front of him he protested that he lived here and wanted a ‘Thai price’, he was then quoted 100,000 baht for the same treatment.

Quite a reduction I am sure you will agree.

I am not sure if this practice happens all over Thailand (although it probably does!) but thats the way it is in Samui and Phangan.

To finish off, I dont have medical insurance either :)

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