Should You Buy Travel Insurance?

Researching and buying good travel insurance can be a very confusing part of planning your travel adventure. A lot of the time, searching the interest can make it more confusing. Is it worth it? Which companies offer the best coverage? Which cover should I buy?

Some travellers will be happy with the general policies available, while packages provided by companies such as World Nomads Insurance can be tailored to suit your specific needs, it’s really up to you which travel insurance you choose.

What Is Travel Insurance?

Travel insurance is a fairly loose term, and is sectioned into various types of insurance that you will want on you travels. This can sometimes confuse and be misinterpreted.

You need to know what kind of coverage a travel insurance policy includes. This is because it may not include everything you think it does.

  • Trip Cancellation Insurance: Will cover you if your flight or holiday gets cancelled, and if there are any interruptions or unexpected issues that alter your travel plans.
  • Luggage/Car Rental Insurance: This covers your rental car in the event of an accident and your baggage and personal items if they’re lost, damaged or stolen.
  • Travel Medical/Health Insurance: This policy covers medical and dental expenses incurred because of injury or illness.
  • Medical Evacuation Insurance: Which covers you in case you need to be transported to a hospital. If you’re injured in a remote area and need a helicopter, it’ll be extremely expensive, and you’ll really second-guess your decision not to get evacuation coverage.

Do I Need Travel Insurance?

Ultimately, YES. Travel insurance will protect you if (worst case scenario) you’re seriously injured abroad, and it could save your life, quite literally. This is especially important if you are taking an “adventure” trip or travelling somewhere where an emergency evacuation may be required.

I’ve met many people whilst travelling that have not taken out any travel insurance at all, and in the past I have considered it too. I thought well if they’re saving money and everything seems to be going well for them, it must be okay for me too! But, this is a big but…after travelling to 43 countries, I’ve heard so many horror stories from other travellers, who really regret not taking out basic travel insurance. From motorbike crashes to cancelled flights I’ve heard it all, and to be frank it’s just not worth the risk.

I cannot stress this enough, YOU DO NEED SOME FORM OF TRAVEL INSURANCE WHEN TRAVELLING.

You may be thinking, it’ll be okay nothing ever happens to me and I’m not accident prone. Yes, you may be right, but you can’t be 100% sure. Travelling to countries you’ve never visited is like walking into the unknown, you really don’t know what is around the corner. It just isn’t worth it. What if someone steals your bag with your phone, money, passport and camera in? Your taxi driver crashes? You infect your leg? The list is endless. Without travel insurance you’re screwed!

 

Where Do I Get Travel Insurance From?

In the past I’ve jumped between many travel insurance companies, trying to figure out which is the best overall. Last year I went with World Nomads, and haven’t looked back since. I personally love how quick and easy it is to get a quote. You can even purchase a plan with little advanced notice. Extend coverage online from anywhere too, or if you decide to extend your month long trip into a six month long one, it will be no problem with World Nomads.

Travel insurance from WorldNomads.com is available to people from over 140 countries and is designed for adventurous travellers.

What World Nomads covers:

  • Trip cancellation: √
  • Your gear is stolen or damaged: √
  • You need emergency medical evacuation: √
  • You need Medical help for sudden illness or injury: √

What It does not cover:

  • Stupidity: x
  • Influence of alcohol: x
  • Sexually transmitted diseases: x
  • Countries like Afghanistan and Somalia: x

The choice is up to you!

But it’s a small price to pay to feel secure and reassured when planning a big trip internationally.

Travel Insurance Tips

  • Take photos of all your electrical equipment, any expensive devices and stamp the date you take these.
  • Save online copies of all your gear purchased and any hospital receipts. Do try and keep the originals too.
  • Write down serial numbers, policy numbers, and insurance contact information. You can print out your travel insurance policy you buy, just make sure you keep it in a safe and secure place you won’t loose or forget about.
  • Always read the fine print of the policy before you buy that chosen travel insurance. There may be some exclusions or items that cannot be covered for that you didn’t know about. For example extreme sports or certain countries.
  • If you have had devices stolen file a police report immediately.
  • Carry your travel insurance on you at all times whilst travelling, just pop it in your daypack, incase of any sudden incidents or accidents.

Happy Travels! P.S Don’t forget to purchase travel insurance 😉

READ NEXT: 12 travel books to read in 2017

Have any questions about travel insurance? Have you ever had something bad happen? Drop me a message in the comments below!


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should you buy travel insurance?

By | 2017-03-23T23:19:12+00:00 February 18th, 2017|What should you pack?|17 Comments

About the Author:

Hey! We're Emma and Yannick! A travel blogging couple who met in Thailand in 2014, and since then we have visited over 20+ countries with no plans to stop! We travel the world in luxury, without paying the price for it, through travel hacking and insider knowledge. Through this, we love to help and teach others to travel well for less, just like we do!

17 Comments

  1. Jenn and Ed Coleman February 28, 2017 at 4:21 pm - Reply

    We picked up travel insurance for Thailand and were very glad that we did. I almost had to cancel the trip for medical reasons to start out with. Also, almost had our air tickets change at the last minute and mess up our hotel sequencing. Both of these would have been extremely stressing if we didn’t have the extra piece of mind from insurance.

    • Emma Lomas February 28, 2017 at 8:46 pm - Reply

      Hi Jenn and Ed!

      We use travel insurance everywhere we go too no matter how long the trip is, as you never know whats around the corner. It also gives you piece of mind 🙂

      Happy Travels!
      Emma

  2. Kathy (walkabout wanderer.com) February 28, 2017 at 8:39 pm - Reply

    I have met so many people who are not travelling with travel insurance in fact my boyfriend is doing so right now. I can not believe it as I think it’s is an expense you need to take as part of safe travelling.
    I’ve been lucky enough not to have used mine yet having travelled to over 60 countries however I did break my foot in South Africa but was treated in a missionary hospital close to where I was staying. I donated some money towards my treatment as there was no way of paying for my treatment.

    • Emma Lomas February 28, 2017 at 8:47 pm - Reply

      Hi Kathy!

      I totally agree! It’s not expensive to get, and can really save your back in serious situations. That’s very kind of you and great to hear!

      Happy Travels!
      Emma

  3. Samantha Sparrow February 28, 2017 at 9:36 pm - Reply

    Travel Insurance is a key part of our budgeting for travel, and I agree it is super important. I’m lucky enough now to get a good package as part of my bank account which means it is always there if I need to make a last minute trip. It’s always worth reading the small print to see what things are covered!

    • Emma Lomas March 1, 2017 at 1:28 pm - Reply

      Hi Samantha!

      That’s a really great that you get travel insurance through your bank!

      Happy Travels!
      Emma

  4. Global Girl Travels March 1, 2017 at 12:27 am - Reply

    I had to LOL at the bit about What it Does Not Cover. All jokes aside though, I think you made a good case for getting travel insurance. Like all types of insurance, we often regret it by the time we need an insurance and we don’t have one! It’s better to be protected because traveling can be unpredictable.

    • Emma Lomas March 1, 2017 at 1:29 pm - Reply

      Hey Global Girl Travels!

      I know, it’s very comical 😛

      Happy Travels!
      Emma

  5. Gemma March 1, 2017 at 10:17 am - Reply

    I’m so with you on this one, travel insurance is a must! I have been guilty of not purchasing it in the past, but I have come to realise it’s so necessary after seeing people getting injured when traveling. I did have a giggle that it doesn’t cover stupidity!

    • Emma Lomas March 1, 2017 at 1:30 pm - Reply

      Hi Gemma!

      That’s great to hear that you now travel with insurance 🙂

      Happy Travels!
      Emma

  6. Anastasia March 1, 2017 at 11:39 am - Reply

    I absolutely agree. I also think that travel insurance is a part of safe travelling, and think it should be the first thing to pack. I know too many friends who think it’s smart not to buy it and then had to start ‘GoFundMe’ pages to ask random people on the internet to Medivac them home because they were too tight to fork out the cost of a few beers in the first place. I wouldn’t leave the country without it.

    • Emma Lomas March 1, 2017 at 1:31 pm - Reply

      Hi Anastasia!

      Oh wow, I’ve never heard of that! Travel insurance is such a small expense compared to the many things that can happen to you whilst travelling!

      Happy Travels!
      Emma

  7. Kreete March 1, 2017 at 1:30 pm - Reply

    I have always gone without travel insurance to save money and plently of times, I have thought I should have got some kind of insurance. I havent experienced any cancelled flights or lost luggage, but medical costs are very expensive in some areas and without insurance, I am not saving money anyways. For my next trip, I have organized travel insurance though, but that’s mainly due to the activities I’ll be pursuing. Might need an emergency evacuation on my solo trip to Everest Base Camp, so will not risk it.

    • Emma Lomas March 1, 2017 at 1:51 pm - Reply

      Hi Kreete!

      It’s good that you’ve got travel insurance 🙂 I know 90% of the time you may not encounter anything, however that small likelihood could cost you a lot if anything did happen.

      Happy Travels to Everest Base Camp!
      Emma

  8. Ami March 2, 2017 at 12:41 am - Reply

    Well, so far I have not bought travel insurance and after reading this post, not sure if I have been wise. Will definitely be considering it for my next big travel. It makes sense

    • Emma Lomas March 2, 2017 at 1:27 pm - Reply

      Hi Ami!

      I highly recommend purchasing travel insurance for peace of mind whilst travelling, but of course it’s purely your choice 🙂

      Happy Travels!
      Emma

  9. Diana - MVMT Blog March 3, 2017 at 3:41 am - Reply

    I always use World Nomads for travel insurance as well. I usually don’t buy it if I’m traveling to western Europe or Canada (which I travel to all the time from the US), but if I go anywhere else in the world, I’ll get it. Definitely better to be safe than sorry if you think there’s any risk at all.

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