Is Travel Insurance Worth it?
Travel insurance is something that you need to seriously consider. It is not only insurance in the event that your plans need to be changed as a result of severe weather, or to cover lost luggage, it is also insurance in the event that you encounter a medical emergency while traveling.
If you plan on traveling for any length of time it is important to check with your insurance carrier. Many insurance carriers will not cover you after a certain amount of time spent outside your country of origin. That is not something you want to learn after a medical emergency.
The Most Common Travel Insurance Coverage
Typically the following are the most common travel insurance coverages:
- Most medical expenses
- Emergency evacuation, including airlift from remote loccations
- Trip cancellation/interruption or a delay in your departure
- Accidental death, injury or disablement benefit
- Loss, delay or damage to your personal belongings
- Assistance with lost or stolen travel documents
Some optional coverage options include:
- Coverage for pre-existing conditions
- High risk sports – SCUBA, bungee jumping, parachuting
- Travel to high risk countries
- Kidnap/ ransom
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We have used World Nomads Travel Insurance in the past and would highly recommend it. We are also an affiliate partner with World Nomads so if you use the links in this article to purchase your insurance we may receive a small commission at no additional cost to you!