Travel Insurance for Family Travel – Do you need it? Our personal claim experiences!

We break down a simple way to think about travel insurance so we stop guessing and start choosing coverage that matches the trip. We also share what happened on our Thailand trip and how our annual policy reimbursed a missing-bag wardrobe and an unexpected ER visit.
• thinking in four layers: health insurance, credit card coverage, standalone policy, evacuation membership
• deciding when travel insurance matters more for international trips than domestic
• credit card travel protections and the need to pay with the right card to activate coverage
• what Chase Sapphire Reserve, Amex Platinum, Venture X and Bilt coverage can look like at a high level
• why we use an Allianz annual family plan and what it covers
• when cancel for any reason can be worth the upgrade
• evacuation options like Medjet and what they do differently
• Thailand claim walkthrough, what we submitted, and what we would document next time
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