Question: My broker told me to get travel insurance for my vacation to spain next month. Do I really need this? Seems a bit overkill.
Answer: It depends. Some insurance companies provide worldwide coverage to their PPO (Preferred Provider Organization) clients. For example BlueCross BlueShield provides its members with access to a network of traditional inpatient, outpatient and professional healthcare providers around the world. The program includes a range of medical assistance and claim support services for members traveling to countries outside their Home Plan service area. It is my understanding however that they do not provide coverage for repatriation in the event that you would need to be flown home to the U.S. For peace of mind it would be my own choice to purchase travel insurance. It's relatively inexpensive. For more information about rates and benefits please visit the Travel Resource Center on our website. Hope you have a great trip!