As a family travel YouTuber (@traveljoong), I've explored the answers to five of the most frequently asked questions travelers have. From coverage and benefits to duplication of coverage and the best value travel insurance, I'll answer all your questions about travel insurance.
1. Is it necessary to purchase travel insurance?
1) Overseas medical expenses
In expensive regions like the US, Europe, and Australia, medical expenses can be very high, not only for major accidents but also for minor illnesses.
Overseas medical coverage is the biggest benefit of travel insurance.
- What I experienced in Vietnam
If surgery is needed urgently, the bill can range from millions to tens of millions of won.
I am from Hanoi, Vietnam My son's fever went up to 40 degrees, so I went to the pharmacy.Even though I found it, I still had to pay a lot of money for treatment and medication.
2) Flight delays or cancellations
If your flight is delayed or canceled Unexpected additional costs such as accommodation, food, and transportation that were previously reserved may arise.do.
However, in such cases, travel insurance can be a great help in saving money as it provides coverage.
3) Lost or damaged luggage
While traveling If your luggage is lost or damaged, significant damage can occur.However, if you have travel insurance, you will be covered by the insurance.
4) Dangerous sports & activities
When you enjoy dangerous activities overseas, such as sports, activities, scuba diving, or paragliding, local insurance often does not apply.
Additionally, since basic insurance often does not cover the issue, you may need to sign up for a separate rider.
5) Proof of insurance when issuing a visa
Upon entry Countries that require proof of travel insuranceThere are quite a few (France, Germany, Italy, Spain, Thailand, Israel, New Zealand, Colombia, etc.).
Proof of insurance is required, and it is also a safety measure to reduce the financial burden and stress that may suddenly arise during travel in case of unexpected accidents, illnesses, or unexpected situations.
👉 Check your travel insurance coveragedo : https://www.trip.com/t/QL015Rs1uR2
2. If I sign up for multiple insurance policies at the same time, will the compensation be duplicated?
In general, travel insurance and Items that overlap with other insurance (actual loss insurance) will not be compensated for twice., insurance payments do not compensate for the same damage twice.
Content related to duplication
- The principle is not to provide duplicate compensation for the same damage.
- Both travel insurance and actual cost health insurance cover medical expenses, but It is not possible to receive excess amount by adding up the actual medical expenses incurred.
- Fixed compensation type: Death benefits, diagnosis benefits for specific diseasesis covered by several insurances Multiple receipt of a set amount is possible
- Actual loss compensation type: Medical expenses, treatment expenses, etc. are divided and compensated according to the actual amount spent, and duplicate claims are not allowed.
- It is illegal to charge the same cost twice for the same incident.
3. What are the top 3 travel insurance recommendations for 2025?
So, let's take a look at the three travel insurance policies that travelers will most likely choose in 2025 and that also ranked highly in expert reviews.
1. Samsung Fire & Marine Insurance Overseas Travel Insurance
- characteristic : No. 1 in domestic subscribers, comprehensive coverage including baggage and flight delays
- 2030 Youth Leap Discount 22% (cannot be combined with other discounts)
- Companion registration and re-registration discount (10% for 2 or more people / 5% for second re-registration)
- merit Sign up in just 3 minutes on your mobile phone, have numerous hospital partnerships worldwide, and use the easy-to-use billing app.
- disadvantage : While the benefits and coverage are generous, the premiums are slightly higher on average.
- Standard plan 7 days (intermediate) : 14,370 won
- 📌Don't choose based solely on price Check and select the coverage that suits youdo!
👉 Check out the benefits of Samsung Fire & Marine Insurance's overseas travel insurance.
2. Hyundai Marine & Fire Insurance Direct Travel Insurance
- characteristic : Includes coverage for infectious diseases/flight delays/damage to personal belongings
- merit : Infectious disease/coronavirus special contract included, basic app billing and real-time consultation available
- disadvantage : The initial sign-up process and insurance premium verification felt somewhat complicated (can be checked after installing the download program)
- Standard 7 days (medium) : 14,400 won
- 📌Don't choose based solely on price Check and select the coverage that suits youdo!
👉 Check out Hyundai Marine & Fire Insurance's Direct Travel Insurance benefits.
3. DB Insurance Direct Overseas Travel Insurance
- characteristic : Fast and economical fares with flight delay and baggage compensation
- merit : Guaranteed accommodations in case of flight delays, popular among young people
- disadvantage : Overseas emergency assistance call speed is somewhat slow.
- Standard 7 days (medium) : 11,280 won
- 📌Don't choose based solely on price Check and select the coverage that suits youdo!
👉 Check out the benefits of DB Insurance Direct Overseas Travel Insurance.
Compare insurance at a glance
| insurance company | strength | mid-rate | Recommended for |
|---|---|---|---|
| Samsung Fire & Marine Insurance | Comprehensive coverage, global hospital network | About 14,370 won | Long-term/family travelers |
| Hyundai Marine & Fire Insurance | Including infectious diseases/flight delays | About 14,400 won | Balanced, middle-aged |
| DB Insurance | Fast rewards, cheap | About 11,280 won | Short-term/Young people |
As of 2025, Samsung Fire & Marine Insurance focuses on overall reliability and coverage, while Hyundai Marine & Fire Insurance focuses on infectious disease-focused safety., DB Insurance is evaluated as a product with high cost-effectiveness.I am receiving it.
4. Can I still sign up after leaving the country?
My family, who travels abroad frequently, was shocked when we left the country without actual travel insurance. I tried it when I got to my destination, but it ended up failing.I did it.
actually Signing up after leaving the country is almost impossible or limited.Most travel insurance policies require you to sign up before departure, and if you sign up immediately after departure, coverage is often limited or not applicable.
📌Practical Tips
- Before leaving on a trip, Compare at least one or two insurance optionsCheck the coverage, limits, and claim procedures in detail.
- At the travel destination Whether proof of insurance is required by visa requirements or entry regulationsCheck in advance
- If you are about to leave the country, Be sure to check as you may not be able to sign up for insurance.And if possible, you should check and decide what guarantees are included.
5. Are accidents during sports or dangerous activities covered?
Most standard travel insurance policies do not cover accidents involving hazardous activities, and most standard policies do not cover activities such as skiing, scuba diving, bungee jumping, mountaineering, etc. Excluding high-risk sports accidents from the listThere are many.
However, depending on the insurance company or Included in coverage through special contracts or separate subscription options for each productYou can do this. For example, leisure sports specials or risky sports If you sign up for a separate special contract, you can receive insurance money immediately in the event of an accident.do.
💡caution
- Sports Safety Foundation's Overseas Sports Traveler InsuranceYou can sign up for special operating terms and conditions for high-risk sports (ice climbing, skiing, scuba diving, etc.), and if you pay a separate fee (approximately 30,000 won) to sign up, you can be covered in case of an accident during such activities.
- The scope of coverage for each activity varies from product to product. Leisure/activity must be specified in a separate special contract or insurance policy to be covered. Can receive
- Participating in high-risk sports activities without insurance is very risky.(Please keep in mind that it may be difficult to pay out insurance money in the event of an accident.)
👉 Check out the Sports Safety Foundation's Traveler's Benefits
In closing
We've looked at the top five most frequently asked questions about overseas travel insurance, along with their answers. While I've never researched insurance this thoroughly while traveling, this experience has given me a deeper understanding of travel insurance.
From now on, I'll be smart and careful about choosing the right coverage and compensation for me. Thank you. I'll be back next time with more helpful information for travelers!
