Travel Insurance. Do you need it ?
Well, if we are honest, whenever we think about insurance for travel, it is one of those inconvenient questions that pop up in our head: “do I really have to buy it ?”, or “how much money should I spend on this insurance?”.
These two questions are the one people ask themselves most often when they plan a holiday, or just before they get to leave on their travel trip in a foreign country.
We travel a lot and during the last years, we have visited more than 32 countries all over the world. We always try to obtain the lowest price for our plane tickets and at the same time get a low price for our hotel or accommodation, but when it comes to being covered we never buy cheap holiday insurance.
Here is why we don’t buy cheap insurance, and we also discourage you to cheap out on your travel health insurance.
Why you should buy a travel insurance ?
We never had to cancel a big trip in a far foreign country at our own expenses, we never lost our luggage, our travel gear was never broken beyond repair, never got stolen or delayed, we can say that we were lucky enough by now to not have encountered any pickpockets thiefs during our travels.
So we asked ourselves isn’t this holiday insurance just money thrown out the window… ?
We immediately remembered how we did not spent any money, not even a penny, during our trip in Caribbean in Dominican Republic when my husband got partial deafened from what proved to be a wax plug that formed in his ear because very long airplane flight and because of air currents (as the doctors stated at that time).
The medical bill was about 1.200 USD for transport to the nearest hospital which was 30 km away from our resort, a medical consult and the medical procedure to dissolve that wax and the medical treatment received for the following days so we can fly back home.
There was a high risk of getting deaf if we decided to fly back home and not to go to a doctor right away.
We did not pay a single cent, because our travel assurance covered all the expenses for us.
We also remembered about that stone that cracked our windshield in our holiday in Tenerife where we also did not have to pay anything because the insurance covered the cost for the windshield replacement.
We almost forgot these events, especially because we did not have to pay anything, as our trip insurance covered all the expenses for us.
What type of travel insurance is the best?
When you choose your holiday insurance, the most important thing it should be covered is your health, and any related medical expenses.
Depending on what type of activities you will do during your travel, consider buying a travel health insurance that will also cover the water sports if you go on an exotic island or winter sports if you go skiing in winter or on the high mountains.
You should also consider covering your travel gear, especially if you travel with expensive travel gear and electronics like your laptop, photo camera, video camera, phone, ipad, etc.
Another important cover is the trip cancellation that will reimburse you the money already spent by you for your future trip or holiday.
What does it cover ?
Trip Cancellation or Interruption
Been working hard for your trip? We’ll work hard to protect it.
Emergency Medical Expenses
Emergency Overseas Medical & Dental Expenses
Feeling fit and healthy? What if you get sick or injured? Take the pain out of medical or dental costs.
Emergency Medical Transportation
Know where the nearest hospital is? Don’t stress, we’ll get you there quickly.
Emergency Medical Evacuation & Repatriation
Need to be evacuated or quickly return to your country for treatment ? We’ve got you covered
Protect your gear
Love photography, filming or sport? Cover your bags, tech or gear.
Baggage delay, stolen or lost
Did your baggage got lost on the way to your destination ? We’ll cover the costs for buying the things you need until your baggage arrives.
24-Hour Assistance Services
And more (depending on your country of residence)
The holiday insurance covers 150+ activities you love
A travel insurance can cover almost any type of activity that you plan doing during your holiday, while away from home.
Here are some of the activities that are covered by the travel medical protection:
- Ice Skating
- Ice Hockey
- Kite Wing
- Ski Joring
- Snow kiting
- Paddle Boarding
- Scuba Diving
- Passenger in a commercial aircraft
- Aerial Safari
- Bungee Jumping
- Hot Air Ballooning
- Hang Gliding
- High Diving
- Tandem Skydiving
- Zip Line
- Mountain Biking
- Elephant Riding
- Camel Riding
- Ultimate frisbee
- Go Karting
- Childcare work
- General farm work
- Fruit Picking
- Admin work
- Ski instructor
- Office work
TRAVEL MEDICAL INSURANCE. SIMPLE AND FLEXIBLE.
Travel holiday insurance for independent travellers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your insurance for holiday today.
Simple and Flexible Travel health Insurance. Buy at home or while traveling, and claim online from anywhere in the world.
World Nomads Travel Insurance was reviewed on Trust Pilot on 1st August 2017 and rated 4 stars.
The best travel medical insurance has been designed to cover your trip essentials. Even if you run out of holiday insurance or leave without it, Travel Insurance can cover you. We don’t just keep you and your family protected, with us, you’ll travel smarter and safer.
WHEN SHOULD YOU BUY TRAVEL HEALTH INSURANCE FOR YOUR TRIP ?
The best time to buy your holiday insurance is before you leave your home country because anything could happen while you are away.
If you buy travel insurance that also covers the trip cancellation, then you should buy your travel medical insurance on the same day you bought your plane tickets or your accommodation.
Worldwide travel medical insurance has been designed by travellers for travellers, to cover your trip essentials. Even if you run out of holiday insurance or leave without it, the travel insurance can cover you. We don’t just keep you and your family protected, with us, you’ll travel smarter and safer.
There is some insurance for travel that can be bought even after you left your home country, but there are some special conditions that apply in this case. Just read carefully the terms and conditions for the insurance plan you buy.