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I recently returned from an incredible trip to the island of Bora Bora in French Polynesia. The tiny speck of land is located 2,500 miles south of the Hawaiian island chain and its superb isolation is much celebrated. The crystal water and fine white sand beaches are the most beautiful I have ever seen as my wife and I thoroughly enjoyed ten spectacular days in that tropical paradise. 

As expected in any equatorial locale, warm and momentary rain showers were a common event, making for slippery surfaces throughout our hotel’s many docks, stairs, walkways and bridges. Caught up in my leisurely surroundings, I opted to wear my well-worn sandals while exploring the hotel’s extensive property.

On one such outing, my shoes, lacking sufficient tread, failed and I was sent flying down a steep flight of stairs. My wife was horrified as I awkwardly flailed about. I was in a daze and could feel that the left side of my body had taken the brunt of the fall. My injuries weren’t life threatening, but I was badly bruised and battered. Fortunately I didn’t require evacuation, but it was nice to know that our hotel did have a heliport at hand just in case of a more pressing emergency. 

The accident had little effect on our enjoyment of the rest of the trip, but it really made me think about how disastrous a more serious accident or illness could be when traveling outside the United States especially in a location hundreds of miles from any hospital or qualified medical personnel. 

I felt very comforted that I had purchased travel medical insurance to cover us during our travels to the South Pacific. Had either of us needed treatment while overseas, the very inexpensive international health plan would have covered us even if we had needed that extremely expensive emergency evacuation off the island and repatriation back to American soil. 

By Joe Russo 


Joe did not mention it in this article, but this incident could also have easily ended his career or significantly impacted his ability to be productive in his profession.  It’s really important to protect your ability to work and earn a living, especially in the line of work you’ve worked hard to build.

Disability happens and we have drawers full of cases where it actually has. The good news is that these clients are financially protected because they secured good and adequate coverage.  Travel insurance with a high medical evacuation limit is important and even more so is good quality disability coverage.

We work with many carriers to provide disability coverage and travel insurance.  Lloyd’s of London through Petersen International is one of them.

Carl Lundgren
Life & Health Department
Mitchell & Mitchell

Posted 4:57 PM

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