The last two years, I bought policies that had emergency medical benefits of $250,000, with the same amount for medical transportation/repatriation. I also had travel and air flight accident coverage for $50K apiece, plus pre-existing condition coverage (due to my diabetes). Add in trip cancellation/interruption, baggage loss and delay, and missed connection.
I'm looking again, and wondering if perhaps I was overinsured. Especially since a new traveler pen pal has told me she never has insurance. She did have flight coverage insurance (the kind you buy when you're buying your plane ticket). When I was in my 20s, it never even occurred to me to have insurance. Perhaps my new friend is a bit under-cautious?
I really have no idea what kind of medical benefits I would need in the UK. I have heard of people getting injured overseas and the country they're visiting having such great health insurance plans that they didn't need insurance.
My ACA plan covers nothing that happens outside the US.
Can anyone give me a bit of advice? I need to make up my mind soon, as it's 14 days since I put down my first payment and I know some plans have time limits for purchase. I'm scouting around on insuremytrip.
Thanks so much!