this post was submitted on 10 Aug 2023
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Asklemmy
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I think the main point is that the policies have so many exclusions in the fine print that you are unlikely to get them to pay even if something does happen. That seems pretty scammy to me. But I guess there is something to be said for the peace of mind you get when you buy it, eh? Even if it's unfounded.
Yup - this is exactly it. I'm entirely certain that there are people out there who have had their financial lives saved from utter ruin via vacation insurance - but I'm also certain (because I've witnessed it myself) that far far more people who think they should be covered wind up in deep shit because their hospitalization came from an accident, or as the result of a crime, or some other edge case that happens to be excluded by the travel insurance policy (and make no mistake, these exclusions are carefully crafted to cover as many potential cases as humanly possible while still sounds decent on paper).