{"id":315,"date":"2019-05-18T12:00:23","date_gmt":"2019-05-18T12:00:23","guid":{"rendered":"https:\/\/www.nomadicmatt.com\/?p=171163"},"modified":"2019-05-18T12:00:23","modified_gmt":"2019-05-18T12:00:23","slug":"is-travel-insurance-worth-it","status":"publish","type":"post","link":"https:\/\/ourfunjourney.com\/index.php\/2019\/05\/18\/is-travel-insurance-worth-it\/","title":{"rendered":"Is Travel Insurance Worth It?"},"content":{"rendered":"

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\nPosted<\/strong>: 05\/18\/2019 | May 18th, 2019<\/p>\n

Travel insurance is probably the most boring topic to discuss when it comes to planning a trip. Dreaming up the perfect itinerary, finding cheap flights<\/a>, buying gear \u2014 all of these things all much more glamorous!<\/p>\n

For that reason, many budget travelers actually skip buying travel insurance. Unlike a flight, a travel backpack<\/a>, or applying for a visa, travel insurance just doesn\u2019t seem necessary. <\/p>\n

And since it\u2019s not always cheap, travel insurance is often tempting to jettison.<\/p>\n

I mean, how often does something terrible happen when you travel?<\/p>\n

Not often, right?<\/p>\n

But that doesn\u2019t mean it won\u2019t happen.<\/p>\n

Sure, over the years, I\u2019ve rarely had to rely on travel insurance. <\/p>\n

But I have still had to use it from time to time \u2014 including recently when I was stabbed in Colombia<\/a>. Remember: you\u2019re fine until you aren\u2019t, which is why you get travel insurance!<\/p>\n

Yes, for most trips you won\u2019t need your travel insurance. You\u2019ll buy it, save the details in your inbox, and never look at it again.<\/p>\n

But a time might come when you need it. <\/p>\n

And if you don\u2019t have it, things can get expensive fast.<\/p>\n

I was thankful for having travel insurance when I needed to see a doctor in Argentina<\/a>, when my camera broke in Italy<\/a>, when my eardrum popped in Thailand<\/a>, and when my luggage was stolen in South Africa<\/a>. <\/p>\n

It\u2019s much better to be safe than sorry. <\/p>\n

In this post, I\u2019ll show you everything you need to know to help you make an informed decision about your travel insurance plan and whether or not travel insurance is a worthwhile purchase for your next trip.
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Table of Contents<\/p>\n

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  1. What Does Travel Insurance Cover?<\/a><\/li>\n
  2. The Best Travel Insurance Companies<\/a><\/li>\n
  3. How to Decide if Travel Insurance is for You<\/a><\/li>\n
  4. Why Buying Travel Insurance is a Must<\/a><\/li>\n<\/ol>\n<\/div>\n

     <\/p>\n

    What Does Travel Insurance Cover?<\/a><\/h3>\n

    To illustrate why travel insurance is worth purchasing, here\u2019s a quick list of what the best travel insurance plans will cover (for most countries):<\/p>\n

      \n
    • Medical emergencies, sudden illnesses, and injuries<\/li>\n
    • Emergencies, strife in your destination, etc., that cause you to head home early<\/li>\n
    • Emergency evacuation<\/li>\n
    • Resultant cancellations, such as hotel bookings, flights, and other transportation bookings, if you have a sudden illness, death in the family, or some other emergency\n
    • Lost, damaged, or stolen possessions, like jewelry, baggage, documents, cameras, etc. (Also, there is some coverage for your electronics, and often an option for a higher coverage limit.)<\/li>\n
    • Twenty-four-hour emergency services and assistance (you don\u2019t want to call to be told to call back later)<\/li>\n
    • Financial protection if any company you are using goes bankrupt and you are stuck in another country.<\/li>\n<\/ul>\n

      Yes, robberies and natural disasters are rare. But things like canceled flights, minor illnesses, and petty theft do happen often. <\/p>\n

      With a comprehensive travel insurance plan, you\u2019ll be covered.<\/p>\n

      The Best Travel Insurance Companies for Travelers<\/a><\/h3>\n

      My favorite travel insurance company is World Nomads<\/a>, founded by an ex-nomad, so he understands what it\u2019s like being a traveler. I\u2019ve been using them since I started traveling all the way back in 2003. They are reputable and reliable, and they process their claims quickly. <\/p>\n

      With World Nomads<\/a>, you can purchase and renew your policy online in a matter of minutes, and they have friendly and responsive staff who will answer your questions promptly. They can also help solve problems via social media.<\/p>\n

      Most importantly, they provide a lot of coverage at a fair price. If there\u2019s one company I would recommend, it\u2019s this one. It\u2019s also endorsed by Lonely Planet and National Geographic, which just goes to show you how great it is!<\/p>\n

      You can use the widget below to get a quote (or\u00a0just click here to go to their website directly<\/a>):<\/em><\/p>\n