Travel Insurance. Is it worth it?

Panic with throwing knives next to my head in Upper Austria
When planning your marvelous adventures, it pays to be pragmatic. While you're squirrelling away every cent for a hot air balloon ride above Myanmar or scuba diving in the Red Sea it's beneficial to protect your investments.
while travel insurance covers most things, some activities are not included.
Knife throwing not included.

When planning your marvelous adventures, it pays to be pragmatic. While you’re squirrelling away every cent for a hot air balloon ride above Myanmar or scuba diving in the Red Sea it’s beneficial to protect your investments.

From a few weeks to a few years I would like to emphasize the benefits of having travel insurance. It is easy to get and then you have it- done and dusted.  Already away and want to purchase while on the road? No problem. Your parents will appreciate your due diligence. 

If you are on the fence about whether to spend your hard earned cash on travel insurance here are a few of my personal experiences that my World Nomads travel insurance policies covered over the past four years.

EVACUATION

A Monsoon in Southern India.  Mother Nature has her own agenda. Let’s face it, natural disasters are becoming bigger and badder as the years go on.  Floods, hurricanes, typhoons, earthquakes, avalanches, fires, tornadoes. This is what travel insurance is for- to get you out of dangerous or harmful situations and brought to safety. If something extraordinary happens and you need to get heli-lifted out, you won’t be faced with crippling debt afterwards.

THEFT AND PERSONAL BELONGINGS. 

Stolen iPad.  How many times have you arrived at the airport, checked your bag, watched all your most treasured possessions vanish behind the rubber flappies? I got in the habit of kissing my backpack goodbye, eyeing the baggage handlers, and hopelessly trying to hide my anxiety pacing in front the luggage carousel, until being reunited with my beloved backpack. For anyone who has had baggage lost in transit, you’ll know the feeling. It’s your stuff! When it comes to theft, it feels personal. Travel insurance makes the hard pill a bit easier to swallow when you are getting financially compensated for the loss and can replace them.  In the end, it’s just stuff.

EMERGENCY MEDICAL COVERAGE. 

Bruised heel pad and pneumonia.  One of the coolest parts of travel is seeking out new things.  This could be surfing in the most epic super tubes, tasting something strange and unfamiliar, or visiting places where cute little monkeys are bold and brash and try to steal your shiny can of coke. Knowing you can see a doctor, get an x-ray, and have access to medication when you really need it brings peace of mind. 

TRIP CANCELLATION. 

How much did 2020 screw over your plans?  Having travel insurance bought and paid for when booking non-refundable expenses, means you can recoup some of your losses if you have to cancel unexpectedly.

TRIP INTERRUPTION. 

If the worst happens you can return home. 

Hoping for the best, prepared for the worst, and unsurprised by anything in between

Maya Angelou

Remember, shit happens and that’s why you get insurance.

READY TO Book Your Insurance?

I have used World Nomads since 2017, it is a company I believe in and has helped get me out of some pretty sticky situations. World Nomads provides insurance for travelers from over 130 countries offering 24 hours assistance. For a quote, to view their policies, or if you’re ready to book simply click here for their insurance. Easy peasy.

Disclosure: Please note that the link above is an affiliate link. With no fees or costs on your end, I earn a commission if you make a purchase.

All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

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