Hey friends! As you know, I’m in the process of planning our trip to Europe. And if you don’t know, where have you been lol. We leave in just a couple of months but I’m already planning on my wardrobe, the content I write, the photos I plan on taking… yadayada. But the main thing I’m planning is the travel insurance I’ll purchase. Knowing me and my bad luck, I need to be prepared. So I’ve been doing my research and I figured I’ll help you guys out as well!
How To Buy Good Travel Insurance
First things first, travel insurance is so much more than just medical protection. Remember that. Travel insurance will cover you if you were to get sick abroad, yes.
BUT it also covers you if / when:
- your laptop or camera breaks
- if your flight is canceled
- you lose your luggage
- if your purse is stolen
- and even if a family member dies and you have to come home prematurely.
It’s universal coverage and it is the most important thing you should travel with (even if you never have to use it). The best part? It only costs you a few dollars a day. Don’t be dumb and travel without it lol. Even if you’re the healthiest person on the planet, shit happens and you need to be protected.
Our favorite travel insurance provider is World Nomads.
When Looking For A Plan…
Look for ones with a high coverage limit on your medical expenses.
I believe the maximum coverage limit you can find is $1,000,000 (USD), but you probably won’t need a coverage that large. Well, at least, I don’t know why you would need a coverage limit that large. On the other hand, you also don’t want to be stingy and purchase a policy with only a $20,000 coverage limit. You’ll want a minimum coverage of $100,000. It’s crucial to have higher coverage limits. If you happen to get sick or injured and you need to get professional care – you want to make sure your policy covers hospital bills, right? Right.
You’ll also need to be sure your policy covers emergency evacuation (as well as any medical care that your regular health insurance plan doesn’t include). Let’s say a natural disaster occurs (such as a tsunami, earthquake, or tornado) and you need to be evacuated to somewhere safe – you will want your plan to cover that because that will not be cheap. I recommend you find a plan that could cover an evacuation expense up to $300,000 USD. You’ll also want to make sure that evacuation would cover the travel expense back to your home country. It’s usually included but you’ll want to double-check in case you end up needing it. Better safe than sorry.
We Recommend Reading: How To Afford To Travel
The Best Policies Should…
- Include some insurance for your electronics with the ability to have a higher coverage limit.
- Cover injuries and sudden illnesses.
- Have 24-hour emergency services and support.
- Have coverage in the majority of countries.
- Cover lost, damaged or stolen possessions such as jewelry, documents, baggage, etc.
- Include personal accident coverage.
- Have coverage for cancellations such as hotel bookings, flight, etc., if you were to have a sudden illness or a family emergency.
- Include coverage for emergencies, acts of terrorism, strife, etc., that could cause you to head home prematurely.
If you find a policy that doesn’t include all the above, DO NOT PURCHASE IT.
To compare policies from different providers, I would recommend checking out ‘Insure My Trip‘. A ton of people have success finding the correct provider using their site. It’s how I stumbled upon World Nomads and I won’t use anyone else. I’m able to purchase and renew my insurance policy online in a matter of minutes. They have a great staff who are able to answer my many questions and help solve problems via social media. And they provide a lot of coverage at a great price.
Hopefully, this helped you guys out! Who’s your favorite travel insurance provider?
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