You’ve mapped the route to Rosemary Beach, loaded up the Tahoe, and stocked the cooler with Topo Chico. The playlist is heavy on Buffett and the only thing left to do is coast until your toes hit sand. Before you slide on those shades and embrace your inner beachcomber, it’s worth asking: what happens if something goes wrong?
We Texans pride ourselves on being prepared—from roadside kits to brisket rubs. But one thing even the most seasoned Texan often overlooks is travel insurance.
Having the right coverage might be the best travel companion you bring—right after your flip-flops.
Your Health Insurance May Not Travel as Well as You Do
The biggest misconception about domestic travel is that your health insurance follows you without limits. In reality, many plans—especially HMOs and EPOs—work best within your home network. Even PPOs, which offer more flexibility, can leave you holding the bill if you end up at an out-of-network Urgent Care. And while emergency room visits are often covered, the fine print matters. Deductibles may reset, copays spike, and surprise billing is very much alive and well.
Cherie Jones, a licensed insurance agent with US Health Group, knows how fast things can go sideways on a beach trip. “I’ve seen people assume they’re covered, only to find out the hard way that their insurance stops at the state line,” she explains. “It doesn’t take much—twist your ankle on a pop-top and suddenly you’re facing hundreds or thousands in out-of-pocket costs.”
The better option? A short-term domestic travel health policy that bridges the gaps. Think of it as sunscreen for your finances—easy to forget, but painful when you need it and don’t have it.
Rental Cars and Roadside Surprises
Nothing ruins a Jimmy Buffett moment like a fender bender in a borrowed car. Whether you’re renting in Florida or driving your own, coverage for roadside mishaps should be more than a second thought.
Many credit cards offer collision damage waivers, but they don’t always provide full coverage—and few include liability. If you’re not sure what your personal auto policy covers outside Texas, it’s worth a call. Peace of mind pairs well with palm trees.
In Case of Emergency
Perhaps the most overlooked benefit of domestic travel insurance is emergency support. A serious illness, injury, or sudden family crisis could require a hospital transfer or last-minute trip home. Some policies include emergency medical transport, even within the U.S.—especially helpful if you’re in a rural area with limited facilities.
It may not feel as dramatic as being airlifted from the Alps, but trying to coordinate ground transport or a specialized facility in another state can be just as overwhelming—and expensive.
The Smart Mix
A little preparation goes a long way. Travel insurance isn’t about living in fear, it’s about allowing yourself to relax once the trip begins. Like extra lime in your margarita, it’s one of those things you’re glad to have when the moment calls for it.
So before you head east on that long-awaited escape—whether it’s Seaside, Sarasota, or somewhere off the beaten path—take a few minutes to consider the coverage that travels with you. In the wise words of Mr. Buffett, “If life gives you limes, make margaritas.” Just make sure your blender is covered.
Want to Know More About Your Options?
Cherie Jones with US Health Group specializes in travel and health coverage solutions—ideal for domestic getaways and unexpected pop-top incidents alike. You can reach her directly at cherie.jones@ushadvisors.com or explore more at ushagent.com/cheriejones.