Debate: Is buying travel insurance ever worth it or just a scam? I wasted $120 on a policy that covered nothing

So I was going to Guatemala last spring and figured I'd be smart and get travel insurance for once. Paid $120 through some site that came up first on Google. Thought it covered trip cancellation, medical, lost bags all that. Well I got food poisoning day 2 and ended up in a clinic in Antigua for fluids and meds. Total bill was like $60. Submitted the claim and they denied it because I didn't have 'proof of hospitalization' whatever that means. So I lost $120 on the insurance plus $60 on the clinic. But my buddy swears he got $400 back when his flight got canceled in Costa Rica. So is it actually worth it or are we all just feeding a racket? What's your experience?

2 comments

2 Comments

mary4621d ago

Did your policy actually cover emergency medical or just trip cancellation?

wyattbennett1d ago

So did you actually have to use it, or was this just the fine print you're worried about now... kinda wondering if the medical coverage was real or just a sales pitch you never tested.