Travel Insurance: Which Plan Actually Pays Claims in 2026?
The Problem Nobody Talks About Until They’re Stuck in a Foreign Hospital I bought my first travel insurance policy in 2017 before a trip to Thailand. It cost $47. Three weeks later, after a motorbike accident outside Chiang Mai that sent me to a private hospital, I submitted a claim for just over $2,100 in medical bills. The insurer — a company I’d picked because it was the cheapest option on a comparison site — took 74 days to respond. The denial letter cited “hazardous activity exclusion” for the motorbike. I appealed. Another 40 days. Partial payout: $380. ...