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I have currently been without health insurance for more than five months – ever since I moved out of state and had to drop my MinnesotaCare insurance. Before that, my plot was fairly comfortable; I had somewhat slight healthcare coverage, but my monthly payments were reasonable.

Thinking of what could possibly happen, health-wise, to me…it’s quite scary to reflect that I don’t have insurance to cover any hospital trips or emergency dental visits. I’m not even 22 years old yet, but an emergency may arise no matter how young or old I am.

Already, in impartial five short months, I have had to make one visit to the clinic. It cost me $95 just for the visit, plus about $34 for antibiotics – and now they have sent me a bill in the mail for another $8! Every dollar I find these days is a dollar lost, it seems.

There are all kinds of routine healthcare visits that we make each year – something you may not realize until you have to pay for each visit out of your own pocket! In fact, I am overdue for a dental checkup and cleaning, and my yearly physical is coming up soon, as well as another vision screening (since my contact prescription will expire soon and I can’t order more without a current prescription).

When I first moved, I didn’t worry a whole lot about finding a new insurance agency. I didn’t figure it would be too difficult once I got around to it. Well, I’ve been trying to get health insurance for a while now, yet to no avail. The first step is getting a quote from an agent or two, right?

Well, I’ve been trying to get a quote, anyway. Maybe the internet isn’t such a reliable source, after all…I have filled out several quotes online and am now awaiting calls from various insurance agencies. I’ve been waiting to hear from one of them for at least a month or two now…the most recent quote I filled out was over a week ago.

My mom has always taken care of this sort of thing in the past, so I’m not quite clear how to go about it. It would be helpful if there was more information out there. But from past experience, I would guess that the next step would be to fill out an application. I guess my next step will have to be stopping by to talk to an agent in person, if that is possible.

I hear the advertisements for auto insurance and their free quotes. I have had a auto insurance policy for several years, but the policy was changed over from the actual start date of 1959 to only an effective date. So my policy is better than any quote I have checked. Geico for one is advertising to establish most folks money but are about $300 more than my policy.

They are not alone; Progressive with all those TV ads with that lady are $700 a year more than my insurance cost. So how can they advertise like they do? AARP is the same with their quote for my policy I pay $717.22 yearly. ARP wanted $250 more. All quotes from other companies are from memory as I did not recheck each company as I started this article. But no company beat my cost.

On my policy I have $250 deductible for about $100 yearly which was noteworthy more with other quotes. I honest am tired of the advertisements claiming to save us money then get a quote several hundred dollars higher. I have in the last 3 years gotten quotes from 9 companies with ads to save me money. None were able to come cessation. For my money State Farm can’t be beat. How often do you see a State Farm ad? No wild claims, no loud commercials unprejudiced simple ads. My car a 2003 Cavalier 4dr. Compare mine and your policies.

All costs are for 6 months of coverage.. Liability bodily injury is 50,000- 100,000 for each accident at a cost of $112.88. Property Damage for each accident is 50,000. No Fault cost $43.48, Medical Payments Limit of Liability-coverage-C” for each person is $20,000, and “Comprehensive” cost is $51.54. Collision Coverage is a $250 deductible at a cost of $77.00. Emergency road service cost $1.60. “Non stacking uninsured motor vehicle” cost $38.25, for each person $25,000 and for each accident $50,000 for a cost $3.55. Total Premium for 1 vehicle includes discounts at a cost of $358.61. Vehicle 1: discounts accident free, multicar, vehicle safety, antilock brakes, and antitheft.

I realize all states are different; this policy is for Florida, zip 32421. All Situation Insurance comes closer than any company I have checked, but still more than I pay. With the ads on the TV and in print one would judge that they would beat your insurance provider. I would be hard pressed to find a better price than I have for comparable coverage. I would be tantalizing if you check your policy to mine and what you find. If you do check send me a message please this is something I’m serious about as it’s on my mind every six months.

The skies over Europe are starting to open again after a dismal week courtesy of the erupting volcano in Iceland under Eyjafjallajokull (adding “glacier” after that is redundant, by the way, since “jokull” is Icelandic for glacier).

But the interruption in air travel is a perfect illustration of how travel insurance can be more than just another expense. A few weeks ago, I started chatting with travel insurance expert and Gustey.com writer Bryant Abel about some of the ins and outs of travel insurance. Here’s a confession – I previously dismissed disappear insurance out-of-hand as being another industry preying on people’s tendency to “what if? ” ourselves to death. I’ve since changed my tune because of some input from other travelers I consider shining – and Bryant’s expertise helped, too. Plus, the flight delays to Europe caused by the ash cloud gave me food for thought.

I had some questions for Bryant, and here’s what he had to say:

1. What sorts of problems can travel insurance cover?

Travel insurance can cover a number of “problems” that incur when you travel. The primary helping hand comes in the earn of lost baggage, lunge cancellation, medical care overseas, and embassy or evacuation care in case a global emergency were to steal state. These are just a few, but the main ones.

2. What are the three most popular types of coverage?

The most popular coverage is individual amble protection. This can range from $30 to $100 and covers most things like trip cancellation, baggage loss or delay, emergency medical care, accidental death and 24-hour assistance. The second-most popular would be family coverage which is cheaper per person, but involves coverage for 3 or more people. The plan provides very similar to the above individual plan. The third (and gustey’s popular) is probably the adventure travel insurance plans. These plans camouflage things like mountaineering, aviation, hang gliding and everything in between. The emphasis on this plan is geared toward accidents, and the same as above.

3. Obviously, since you’re in the travel insurance business, you’d like to sell policies to everyone possible. But what three types of travelers really need it most?

Though we like to think everyone should get recede insurance, travelers that definitily should earn recede insurance are adventurers (backpackers, etc…), worldwide travelers (people that travel often and to remote parts of the world, and people who are going to a destination that could be dicey. People in this category would consist of mission trips, third-world countries, etc.

4. Let’s say I’m traveling business class from LAX to Tokyo for two weeks. What would I employ on insurance, from the very bottom tier to the most-premium policy?

The very bottom tier will run you about $30. It is safe to say that $30 will cover the basics, like lost baggage, and delays. The most premium package are corporate packages. But for an individual who wants a very tremendous travel life insurance policy it can run them into the high hundreds. Most premium policies land in the $150 – $200 range.

5. When a traveler is researching insurance providers, what are some good tips for ensuring thatthey’re choosing a legitimate company?

Most sites will note if they are certified. For instance, if a company in Canada is CITC certified, they will be legit. Legitimate companies in the U.S., will be state regulated. “Real” insurance companies are backed by one or more regulated underwriters that are insured and should be financially healthy. Ambest.com is a great place to go to glance current insurance ratings to see if the company is a reputable travel insurance underwriter.

6. This is your free spot to offer a tip, suggestion or helpful bit that I didn’t ask about. Fire away!

I would suggest that people look into disappear insurance before traveling. We have heard from a myriad of people who have been lost with a pack of gum because of situations beyond their control. All of us (well, most of us) wouldn’t drive without car insurance. We feel it is a similar concept with a greater misconception. You don’t necessarily want to pay $50 bucks more for a trip to Cabo, but we like to think it is a good idea.

Bryant writes for Gustey.com and loves to talk about travelling insurance, funny travel tips and everything in between. You can follow the Gustey Recede Blog on Twitter, too.