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Personal Accident/Injury
insurance (PAI) is basically medical
insurance—to pay doctors'
and hospital bills if you're injured.
It may also include compensation
for such grisly possibilities as
loss of limbs, eyes, ears, fingers,
feet, etc.
Not a pleasant thought, but losing
them and then running out of money
because you've lost them is even worse.
On a happier note, you may
already be covered for these
perils. If you have doctors' and
hospital insurance at home, check
with the company that insures you
to see whether foreign travel is
included in the coverage. It often
is.
If you're adequately covered, you
can probably decline the PAI offered
by car
rental companies (which is what
I do). A car rental company's PAI may
be secondary insurance,
and thus wouldn't even pay up until
after other coverage is exhausted.
If you're already adequately covered
by some other policy, why pay
for PAI?
However, PAI is not the same as trip
cancellation or medical evacuation
insurance, which you
may want to consider if you have
a medical condition that may interrupt
your trip.
United Kingdom & Europe:
contact JS
Insurance for coverage
of trip cancellation, medical, mobile
phone, computer, scuba diving and
other travel insurance.
USA: contact
InsureMyTrip.com for
no-obligation price quotes on all
sorts of policies.
Collision
Insurance
Tire,
Glass & Headlight Insurance
Liability
Insurance
Medical
Insurance
Trip
Cancellation/Medical Evacuation
Insurance
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