Why travel and insurance go hand in hand

by Herb Sparrow 11. May 2012 22:50



The excitement of preparing for a trip, especially one that is out of the country, should also include careful planning. One of the most critical things any overseas traveler should have is travel insurance that covers trip interruptions and medical emergencies.

I had a firsthand experience about the benefits of insurance on a 10-day Panama Canal cruise on the Island Princess with cruise-operator specialists Susan and Russ Rosenberry of Islands in the Sun. I purchased a policy from Travel Guard, one of several capable and reliable companies, on my own, although you can purchase insurance through a tour operator or the cruise line.

The second night at sea, after a long and enjoyable dinner with Susan and Russ, I began getting a pain in my lower abdomen that became progressively more intense as the night wore on. Having had an attack of pancreatitis three years before, I suspected I was having another attack. Pancreatitis is not something to take lightly.

I finally dialed the emergency number around 5 a.m. and went to the ship’s medical center, where they put me on intravenous pain medicine and did blood tests and X-rays. By midafternoon, the ship’s chief medical office determined I needed to be put ashore at our first stop in Aruba for further tests.

I was taken by ambulance to the Dr. Horacio E. Oduber Hospital in Oranjestad, where I spent nearly four days.

Travel Guard, which is picking up all of my medical expenses on the ship and at the hospital, was in daily touch, monitoring my situation. The company arranged for a hotel room after I was discharged and arranged for my return flight home in business class along with a ticket for my daughter, who flew down to accompany me home.

I shudder to think what would have happened if I hadn’t purchased the insurance. Since it was an emergency, my health insurance might have reimbursed me for the medical costs, which I would have had to pay upfront, but I doubt it would have helped me get home.

I would also like to thank Princess Cruises, whose U.S.-based passenger assistance officers Mary Kessler and Don O’Neal were also in daily contact to offer any assistance I needed and called to make sure I had gotten home OK.

The medical staff on board, headed by Dr. Deon Venter, were very professional and competent in stabilizing my condition and making me as comfortable as possible for a full day and night at sea.

In Aruba, Carol Angie, managing director of the port agency, and Henry van Loon, the agency’s boarding officer, also looked after me, getting my luggage off the ship and storing it. Carol brought my carry-on with my toiletries to the hospital and took me to the hotel after my discharge and to a pharmacy to have a prescription (they call it a recipe there) filled.

I am deeply grateful to everyone who helped me.

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