Choosing the best travel insurance is one of the most important things you’ll need for your trip. Would you have a car without car insurance? Would you be at home without home insurance? Obviously not, that’s why and you can’t organize a trip without travel insurance.
So, if you are asking yourself “Do I need travel insurance?” the answer is YES.
Travel insurance gives you peace of mind when you’re on the road. You never know what will happen when you’re travelling and insurance just gives you that extra confidence to travel how you want to.
And travel insurance isn’t only covering your health, but also your belongings. And in a time when everyone is traveling with electronic equipment – be it a Kindle, an iPhone, a laptop or an expensive DSLR or mirrorless camera, it’s well worth paying to insure them while on a trip.
The best travel insurance company according to my own experience is World Nomads. I have personally used them in all my trips since 2007, when I discovered them while living in Australia.
They are simple and flexible to use, and cover residents from over 150 countries. World Nomads allows you to buy travel insurance online 24/7 from anywhere in the world, even if you’re already traveling. However, I don’t recommend you to do this since your travel insurance will only cover you for events that happened right after you bought the plan.
World Nomads are a reputable insurer, trusted by brands like Lonely Planet, Rough Guides, and Eurail.
I am sure that your initial plan for was to research all of the different travel insurance options out on the market for independent travelers. Did you actually tried to do it? Did it take you ages?
That’s what I thought… Look no further. After years using them, World Nomads is offers the best travel insurance.
A World Nomads policy provides levels of coverage for 5 key areas:
The company also has a Travel Safety Alerts subscription service.
Buying travel insurance can be a very confusing part of planning your international travel adventure. Is it worth the expense? Which companies offer the best coverage?
Here are a few tips that will help you out.
1. Make sure you know what and who are you insuring. Make sure you know what your needs are and what your situation is:
2. Be very thorough while checking the extent of your travel insurance coverage and the exclusions:
3. Have a look at all the available premiums and how much would they cost you:
4. Final considerations:
Don’t wait to get your travel insurance. I recommend you to buy yours as soon as you know your travel dates.
Why? Because it will only cover you for events that happened right after you bought the plan. Don’t wait and get out of luck. I’ve seen it happen to so many friends of mine…
Truth is there’s a minimal chance (probably 99%!) you will never need to use the policy you bought. Unfortunately, accidents and other unfortunate events could happen while you are traveling. It’s better to be safe than sorry, especially when you are in a different country, thousands of miles from home.
You definitely don’t want to end up like a friend of mine in Paris, who decided not to purchase a travel insurance, only to be robbed everything she had (luggage, electronic devices, backpack with her wallet and passport…) and have to spend lots of time and money to solve the situation.
Be smart and get coverage.