✈️ 航空公司賣的 Travel Protection 值不值得買？跟旅遊醫療險有什麼差別？
當你在訂機票時，常見航空公司或旅行網站跳出「Add Travel Protection／旅遊保障」選項。但你可能不知道：這樣的保障究竟包含什麼？是否取代了你應該買的 旅遊醫療險？本文一次幫你分清楚。
💺 一、什麼是 Airline 「Travel Protection」？
這通常是在機票結帳時由 航空公司 (或 OTA 平台) 與保險公司合作推出的附加產品。它可能包含：
- 機票取消或中斷保障
- 航班延誤／取消保障
- 行李延誤或遺失保障
但請注意，這類保障 不一定含有海外醫療費、住院醫療或緊急後送。
🌏 二、跟 Travel Medical （旅遊醫療險）有什麼差別？
| 項目 | Airline Travel Protection | Travel Medical Insurance |
|---|---|---|
| 航班延誤／取消 | ✔️ 通常有 | ❌ 通常沒有（看保單條款） |
| 行李延誤／遺失 | ✔️ 通常有 | ❌ 通常沒有 |
| 海外疾病醫療費 | ❌ 通常沒有 | ✔️ 必有 |
| 意外住院／急診 | ❌ 通常沒有 | ✔️ 有 |
| 緊急後送（Evacuation） | ❌ 很少有 | ✔️ 常見 |
🧳 三、那到底值得買嗎？
以下情況下你可能需要：：
- 你的航班有多次轉機、延誤機率高 → Airline Travel Protection 可當附加
- 但如果你最怕「在國外醫療費爆掉」→ 肯定要買 Travel Medical
簡言之：兩者不是互相取代，而是「互補」。
🔍 四、購買前你要問的 3 個問題
- 這份 Airline Travel Protection 是否含「醫療保障」？如果沒有，你還需要額外買。
- 航班延誤／行李遺失的賠償額有多少？是否值得？
- 條款中的 “pre-existing condition”、高風險活動（如滑雪、潛水）是否排除？
📌 五、建議總結
是的，你可以買 Airline Travel Protection，但不要覺得它等於或取代旅遊醫療險。真正保險你在國外醫療風險的是 Travel Medical Insurance。
下一篇，我們將寫：
《旅遊醫療險 Claim 時你必須知道的 5 件事》
✈️ Is Airline “Travel Protection” Worth Buying? How It Differs from Travel Medical Insurance
When booking a flight, you often see an option like “Add Travel Protection” offered by the airline or OTA. But what exactly does it cover? And does it replace the travel medical insurance you should be buying? This guide will clear things up.
💺 1. What Is Airline “Travel Protection”?
This is typically an add-on product offered at checkout, in partnership between the airline (or OTA) and an insurance provider. It may include:
- Trip or ticket cancellation/interruption
- Flight delays/cancellations
- Baggage delay or loss
- Missed connection or trip change cover
Important: These plans often do NOT include overseas medical costs, hospitalization, or emergency evacuation.
🌏 2. How Does It Differ from Travel Medical Insurance?
| Coverage | Airline Travel Protection | Travel Medical Insurance |
|---|---|---|
| Flight delays/cancellation | ✔️ Yes | ❌ Usually not |
| Baggage delay/loss | ✔️ Yes | ❌ Usually not |
| Overseas medical care | ❌ Usually not | ✔️ Yes |
| Accident hospitalization | ❌ Usually not | ✔️ Yes |
| Emergency evacuation | ❌ Rarely | ✔️ Often |
🧳 3. Is It Worth Buying?
Here are scenarios where you might consider buying Airline Travel Protection:
- Your itinerary has multiple connections or high chance of delay → the coverage may help.
- But if your main concern is “expensive medical bills abroad” → you definitely need Travel Medical Insurance first.
In short: the two products are not substitutes — they can be complementary.
🔍 4. Three Questions to Ask Before You Purchase
- Does the airline’s travel protection include medical coverage? If not, you’ll still need a separate plan.
- How much is the payout for flight delay or baggage loss? Is it worth the cost?
- Does the policy exclude pre-existing conditions or high-risk activities like skiing or scuba diving?
📌 5. Recommendation
Yes, you *can* purchase Airline Travel Protection — but don’t assume it replaces Travel Medical Insurance.
What truly protects you from medical risk abroad is Travel Medical Insurance.
Next time we’ll cover:
“5 Things You Must Know When Filing a Travel Medical Insurance Claim.”