Do you get travel insuance? Cover earthquakes?

I'm from Canada, so my take on insurance may be different and I would never travel w/o insurance. I have taken 2 - 3 trips a year for the last 12 years and have spent alot on insurance. I almost never need it, but for the couple times I have needed it, it has paid for itself.

The cancellation/interruption is so important. If you have kids, what if your child falls at the playground, breaks his leg and can't go 2days before you were leaving. Bye bye money.

The medical insurance usually only covers non preexisting conditions, so if you have a chronically ill person, it most likely won't cover anything related to that condition. However, my husband got an incredible earache that we now know was swimmer's ear in Mexico and we had to go to the hospital for 1 1/2 hours and that was an $800 bill. If we had been in the states, the bill would have been much higher.

I think it is crazy to go w/o insurance. You never know when something is going to happen and it feels like a waste of money if you don't use, but like I said, if you have to use it you will be happy you had it. And I'm cheap.lol

I guess it depends on where you are going. We book our flights through Southwest so they can be canceled and rebooked. Disney can be rebooked or even canceled at a small fee.
 
I think a lot of it depends on whether we're talking travel health insurance or travel trip insurance too. For example, with earthquakes, are we talking (A) coverage for getting hurt in an earthquake and getting treated at the local hospital or (B) Cali getting hit by a big one and DLR shutting down so hotel and ticket reservations need to be canceled?

If we're talking the former, I'd say that's completely a case-by-case call which depends on the medical conditions (or injury propensity :)) of the people in your party. If we're talking the latter, I would say "no way" if the only concern is earthquakes. If there are other variables in the picture, then that of course changes things, but I definitely wouldn't let fear of that sort of catastrophe drive my decision. I've looked at the same thing when traveling to hurricane country but always decided against it... Heck the chance of getting stuck in a Nor'easter when headed to the East Coast in winter or early spring is A LOT higher than catching the Big One in CA and folks generally don't buy travel insurance for East Coast trips...

I would agree too that earthquakes aren't necessarily getting more frequent -- probably just seems that way because the media is global now and information travels faster than ever. Cali gets them all the time but most are either negligible (a dish or two might fall off the shelf) or in remote areas. I've been to the Rockies a bunch of times and would freeze to death in Colorado, but earthquakes, nah, keep 'em coming and consider them a bonus DLR-only ride or something :) :) :)
 
FREQUENT???? WT????? i dont even remember the last time we had an earthquake...you're going to freak people out here lol

Haha hey they are! I was pointing out the frequency to indicate that they're no big deal LOL. We get the little wimpy 3.x to 4.x everywhere all the time, and even the bigger ones don't have any real impact unless they're near metro centers or close to the surface. Remember the pair of 6.x ones in Baja California just last month, plus the 5.8 or 5.9 one in San Diego a year or two ago? My family down there said they didn't feel a thing, I told them it's probably just because they were stuck in So Cal traffic at the time hahahaha. Man all this talk ... I think I feel another one coming on any second now :rotfl:

EDIT:
For anyone interested, check out the interactive map:

http://earthquake.usgs.gov/earthquakes/recenteqsus/

Notice how all the little dots (you can click on them to get more info) are all clustered around the SF Bay and LA basin ... we've been rockin' and rollin' all day except none of us knows it! :cool1::cool1: I'm waiting for the day the plates really shift and bring the Bay and LA closer together ... shorter drive to DLR for me!
 

FREQUENT???? WT????? i dont even remember the last time we had an earthquake...you're going to freak people out here lol


Oh, I think frequent is accurate enough. There are earthquakes every day, all the time (all over the US, as a matter of fact). According to the USGS (love that site), there have been 346 quakes in CA and NV in the past week. But probably none of them were big enough to be felt, LOL. There was a 4.0 off Malibu last night that I didn't feel and I'm not too far from Malibu.

So for those coming to California, earthquakes happen all the time.
But earthquakes big enough to actually feel.....not so frequent :thumbsup2

Too Funny SomeDude78 - I was just looking at that site.
 
We get the little wimpy 3.x to 4.x everywhere all the time, and even the bigger ones don't have any real impact unless they're near metro centers or close to the surface. Man all this talk ... I think I feel another one coming on any second now :rotfl:

. But probably none of them were big enough to be felt, LOL.
So for those coming to California, earthquakes happen all the time.
But earthquakes big enough to actually feel.....not so frequent :thumbsup2

ok you 2....dont scare the visitors:lmao: as far as im concerned, if i cant feel them then pft...it didnt happen:rotfl:
 
ok you 2....dont scare the visitors:lmao: as far as im concerned, if i cant feel them then pft...it didnt happen:rotfl:

LOL - deal! I don't want to scare anyone off. :thumbsup2

I don't blame people for getting worried when you see all the news reports about the damage in other countries (I'm feeling for the people in Italy right now). But the same size earthquake in Cali would produce little damage because of our building codes. I have lived here my whole life and the most damage my home has ever received from an earthquake was a shelf falling down and many pieces of my dragon collection getting broken (and that was probably a favor to me :rotfl:)
 












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