How To Buy Travel Insurance

by | Nov 17, 2015 | 0 comments

How to Buy Travel Insurance

I used to think of travel insurance as something you buy when you think there might be a risk of missing your vacation.  Or say, you’re planning to hit the Caribbean during hurricane season. In the past I’ve always declined it when offered. I’ll never get sick enough to miss vacation!

I now know that travel insurance covers a whole lot more than protecting against a missed vacation. Get sick ON vacation? Covered. Bags lost in transit? Covered. Valuables stolen from your hostel? Covered. Helicopter evac from 18k feet? COVERED.  It’s the one thing you pay for and hope to never actually need, but trust me, you do not want to be stranded on a remote mountain side with a broken leg and having to pay your own way out of there.

Travel insurance can be custom tailed to suit your trip and your lifestyle and the total cost really depends on you.  It can be had for as little as a couple of dollars a day.  We purchased our first 6 month worldwide policy for $670 for BOTH of us. That’s $1.86 a day per person. If you’re into extreme sports, or carry really expensive photography equipment, it’s going to cost a little more, but the protection and piece of mind are well worth it.

There are a multitude of companies that offer travel insurance and as with most things some are better than others. We recommend you shop around for what best suits you. Travel insurance companies are just the same as regular insurance companies in that getting a claim paid can be work sometimes.  It’s important to know exactly what your travel insurance covers as well as exactly what it does not cover.

There are however some key points that any coverage you buy should have:

  • Coverage in the countries you are visiting (duh)
  • Injury/Sickness
  • Evacuation (including to home country)
  • Flight/Hotel Cancelations
  • Electronic equipment

So who is the best? In our opinion, it’s WorldNomads.  They are the best in the business. Their staff is super friendly and responsive and their intuitive website allows you to get a quote and purchase travel insurance in minutes. Below we’ve included some information on them as well as a free tool to get a quick free quote. Safe Travels!

Travel insurance: simple & flexible

You can buy, extend and claim online, even after you’ve left home. Travel insurance from WorldNomads.com is available to people from over 140 countries. It’s designed for adventurous travelers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

7 things you should know about travel insurance from WorldNomads.com

  1. Trusted reliable underwriters
    WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
  2. Value for money with the cover you need
    WorldNomads.com provides cover for what’s important for travelers from over 150 countries. By focussing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.
  3. Flexibility when you need it most
    Had a change of plans? You can extend your policy or claim online while you are still away. You can even buy a World Nomads policy if you’re already traveling.
  4. Cover for a range of adventure activities
    From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
  5. World Nomads keeps you traveling safely
    All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
  6. More than just great value travel insurance
    All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
  7. Commitment to exceptional customer service
    We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.

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