Yes, You Should Buy Medical Insurance For International Travel

When we’re traveling within the U.S., I don’t give much thought to insurance before the trip. I make sure to use a credit card that has good travel protections, and if I rent a car, I use a card that acts as the primary coverage in case there’s damage to the vehicle. For medical coverage, I’ll have my insurance card in my wallet in case I get sick or even worse if there’s some sort of emergency.

When traveling outside the United States, there are a bunch of things to think about. You need to reconfirm travel arrangements, make sure you have all the necessary travel documents and visas and arrange for your mail to be held, your pets to be looked after and everything else that goes through your head. It’s easy to forget that you should also be looking to buy a travel medical insurance policy for your trip.

That’s because even if your medical insurance reimburses you for expenses abroad, they will most likely be considered out-of-network charges with high deductibles and copays. If you have Medicare, you don’t have any coverage at all.

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What In The World Is Citi Thinking?

Over the past 12 months, Citi has made several major changes to their credit card portfolio. The surprising thing is the inconsistent nature of these changes. While some of them add significant value to the cards, others cut the legs off the cards in regards to their usefulness in any serious traveler’s wallet.

Looking at the timeline of the changes will possibly give you a case of whiplash. Here’s a summary of the changes announced by Citi:

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I’ve Never Been Happier About Spending $19 For A Service I Didn’t Use

I’m not a gambler. I guess that’s why I’m not a fan of going to Las Vegas. On the other hand, I’ll gladly earn fewer rewards points for a purchase if the card provides better insurance coverage. I guess I’m willing to pay to limit my downside exposure but I don’t want to take risks for a large return.

That’s why I’m totally happy about spending $19 extra for coverage that I didn’t have to use on a recent trip.

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Should You Get The Chase Sapphire Reserve or Sapphire Preferred?

Chase offers two personal credit cards that are marketed to those who want to earn travel rewards. There’s the Sapphire Preferred, which is great for those getting into the points and miles world, offering transferrable points to both airline and hotel programs and bonus points for travel and dining expenses. The newer Sapphire Reserve is the luxury card for the Ultimate Rewards program. It has a higher annual fee but offers additional benefits than the Preferred.

When I wrote that I was considering getting rid of all my premium cards, the one that people seemed to be the most attached to was the Sapphire Reserve. They pointed out the reasons it’s worth paying the extra money over the Preferred, some of which I was aware of and some that I wasn’t.

So I decided to take a closer look at the two cards and see where they are the same and where they differ. Only then could I really know if the extra money for the Reserve is worth it.

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“Surprise Gift” In Hotel Room, What To Do About Unfair Rental Car Fee, How To Tell If Redemption Is Good, & More!

Happy Sunday to all of our travel friends, both near and far! Here are some articles we’ve read from other bloggers (and other sources) that we think you may like, as well, so we’re passing them along.

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