Travel Insurance – Why you need it.

by | Oct 7, 2019 | Live Work Play Travel, Safe Travel, Trip Planning | 0 comments

This blog is updated September 2019. Travel Insurance just might become your best friend when you travel. Why? Cause you never know when you might need it. Now you might have heard that before, but believe me on a number of occasions during my travels I was so thankful I took out travel insurance. It helped me when I lost my bags, then again when I hurt myself and needed medical treatment and it came to the party when my father died and I needed to get on a flight home quickly. But read on and find out why you need travel insurance and what it should cover you for.

 

Why do you need it?

 

Because accidents and mishaps happen when you are least expecting them to. And most of them are out of our control. That’s why having travel insurance is very important. 

Now I’m not saying that you will lose your luggage. Sustain injuries from a fall off a motorbike. Have your flight cancelled. Loose your camera. Have something stolen. Or need to return home because a family member died, but you just never know! Ensuring you have all-purpose emergency travel insurance coverage that will cover you for a wide variety of accidents and mishaps is of great benefit. I would definitely suggest you don’t leave home without it. I’ve seen it help many and I’ve also seen many others regret not purchasing it.

I used it a number of times. When I had luggage stolen in Holland. Had a flight cancelled in Mexico. Got sick while travelling Europe and needed a doctor. When my father died and I returned to Australia unexpectedly. Each time I was able to make a claim and be reimbursed (I didn’t always get everything back, but most of the time). I’ve seen it help friends in similar situations. I’ve also seen friends who have not taken out travel insurance and lost or had stolen big ticket items, such as a girlfriend who had her computer stolen and she had to pay out of her own pocket for a new one.

 

What to look for in a plan

 

Travel insurance can be complex and is often very confusing. It is wise to ask your travel agent to explain it to you. If buying from the Internet ensure you read it and understand what you are covered for. I know that is easier said than done. Redding the fine print can be laborious. But you should understand what you are covered for and for how much and for. Also, you should understand what you aren’t covered for.

 

Most important things your Travel insurance should cover you for

 

Here are the most important things your travel insurance should cover you for.

Cancellation fees and lost deposits incurred by unforeseen circumstances which require you to cancel your trip;
Overseas medical, dental and emergency expenses;
Emergency flight home if required – this should mean to your home country;
Missed connections;
Hijack and kidnap;
Loss, theft or damage to your luggage;
Travel delay;
Accidental death;
Loss of income;
Personal liability;
Legal costs;
Electronic goods;
Working holidays;
Extreme sports – if you intend to participate in them.

 

Should you buy it before you go?

 

It is advisable to buy travel insurance before you go. However, it is nice to know that you can buy it during your travels when you need it.

 

Recommended Providers

 

There are many insurance companies offering policies. I have taken out policies with a number of different companies. It usually depended on who I was booking my travel through. As I mostly book my travel on-line I usually purchase my travel insurance on-line too. One I recommend is World Nomads. Why? Here’s why.

Travel insurance: simple & flexible

You can buy and claim online, even after you've left home. Travel insurance from WorldNomads.com is available to people from 140 countries. It’s designed for adventurous travellers 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 travellers from 140 countries. By focusing 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 buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you're already travelling.
  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 travelling 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.

Thanks for sharing!

Useful Travel Resources for Your Next Adventure!

 

Accommodation: Where Will You Sleep Tonight? If you want a bed in a hostel dorm find a great deal with HostelWorld. I mostly stay in hotels now, Booking.com is my favourite site for booking hotels from budget to ‘I feel like splurging’. For something completely different I house and pet sitting through Trusted Housesitters – this has saved me thousands on accommodation, no joke!

Flights: I always head to Skyscanner first to find a cheap and flexible flight.

Car Rental: When I need to rent a car I turn to RentalCars.

Train Travel: I love riding the train rails and get the best value from Eurail and Interrail Passes. And Japan has a great one too – JapanRail Pass.

Bus Travel: Check out Busbud for bus tickets.

Pre-organised Tours: I’ve been on a few in my time with Contiki being my first and favourite. if you are 18-35 years of age you should check them out.

Jump-the-queue entrance tickets: I don’t enjoy standing in long queues which is why I book my entrance tickets and day trips in advance. My favourite website to book them in advance is GetYourGuide.

Travel Insurance. There are a number of reasons why travel insurance is important and I never travel without having bought a policy as you never know when something might happen. World Nomads is great for general travel insurance while SafetyWing is great digital nomads and long-term travellers.

Need something else? Check out my Resources page.

 

Sharyn McCullum In A Black T-shirt With Her Live Work Play Travel Logo In The Shape Of A World.

Hi. Sharyn here, the face behind Live Work Play Travel. I’ve been travelling all my life thanks to my dad who worked for an airline. My aim with this blog is to help you work abroad or work online and travel the world.   Read more.

 

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Hi, Sharyn here. I’m the face behind Live Work Play Travel. I’ve travelled all my life thanks to my dad who worked for an airline – thanks dad! I’ve been a travel writer/blogger and living a location independent lifestyle since 1993. My aim with Live Work Play Travel is to provide you with the info to start living, working and travelling around the world like I do. I currently live in Melbourne with my partner and 2 kids. 

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