My day job is to advise people on their insurance requirements and one question I get asked often is “Do I really need travel insurance?” and my answer is always an emphatic YES! Travel Insurance like any other insurance is a necessity. Insurance for us is like a safety net for high-flying Trapeze artists at the circus. They most probably won’t miss their grip and fall to their death but they damn glad that net is there in case it happens. Better to have it and not use it, then need it and not have it is what I always say.
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What does it cover
- Accidents & Injury
- Trip Cancellation, interruption, and delays
- Canceled Flights
- Lost Baggage
- Medical Emergencies & Repatriation
- Stolen Personal Belongings
- Natural Disasters
- Money Trouble with Agency Travels
Not all travel insurance policies are the same.
All travel insurance policies have specific benefits and exclusions so it’s common sense, imperative, and necessary to take the time to read the policy wording carefully. These vary depending on which country you are from, so please take the time and always contact the insurance company if you are unsure about anything.
When to buy Travel Insurance
You can buy travel insurance up until the day you leave for a trip. Most policies take 24-48 hours to activate. They don’t start immediately! I recommend buying right after you book your flights or hotel rooms.
Even though you can wait until you leave, it’s best to get your travel insurance as soon as possible. Every day you wait, there’s a chance something could happen and you definitely cannot get travel insurance after something has gone wrong. You can’t buy car insurance after your crash your car, right? (
Don’t wait to get insurance. I’ve seen it happen too often. The second you know you are going somewhere and have the dates, buy travel insurance!
How Much Does Travel Insurance Cost?
The highest recommended travel insurance is by far World Nomads. It’s the preferred insurance of Lonely Planet.
Most travel insurance companies require you to be in your home country to purchase, renew or extend your plan. With World Nomads you can buy cover online, even if you’ve already left home as well as extend your plan if your trip goes on longer than planned. With their 24 hour assistance on hand for help and advice on medical emergencies, as well as the ability to claim online while traveling, they offer the utmost flexibility. It’s designed for people who are always on the move, making it the nomad’s travel insurance. The plans they offer, cover all the essentials while keeping their prices competitive.
World Nomads provides travel insurance for travelers from over 140 countries and policy quotes depend on your country of residence, your age and where you’ll be traveling, so the cover provided and costs incurred will be different for each individual.
Fill in your details below to get a free quote.
Tips for Making Travel Insurance Claims
- Always Read the Fine Print – I know its boring, I know its long but you know its important.
- Document Everything – Documentation is a must. Without documentation, your claim will not be reimbursed. Always best to keep the originals with you and a scanned copy for safe keeping.
- Photograph Everything – Adds to the documentation and helps support your claim.
Why Buying Travel Insurance is a Must
While nobody wants to think about all the things that can go wrong when planning a trip, sometimes these things do happen. Travel insurance is the kind of thing you’ll only notice you don’t have when you really need it, so it’s definitely a good idea to take out coverage for these worst case scenarios.
Get smart and get travel insurance.
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Thank you for taking the time to read this post.
A football-mad father of two wonderful girls, a pain in the butt hubby, a digital nomad, an insurance expert and budding entrepreneur. Just looking to find ways to spend more time with my family while providing for them financially. Hope you enjoy my blog and have a good one!