You have bought the flights, found the accommodation, arranged your foreign currency, researched activities, and packed the sunscreen. There’s one last thing to do, and that’s getting almost every eventuality backed up by insurance. So why is it a good idea to buy travel cover? Here are a few reasons to consider why buying adequate insurance is a good idea:

  1. Medical Bills

Many travellers think they will never get sick, that they are really health conscious or take all the necessary precautions, including vaccinations. This can help, however, it doesn’t rule out ending up seriously ill. There are many deadly illnesses and serious conditions that can suddenly arise that have no vaccine. Even diarrhoea can be fatal if left untreated. Even for minor breaks, the bills can soon rack up into serious money. Having adequate insurance means that you can travel without fear of becoming ill.

Remember: You must disclose any existing conditions and keep any receipts for medical costs.

medical insurance

2. Accidents Happen

You are the world’s safest driver and have never even scratched another vehicle. That may be true, but the other 99.99% of people in control of vehicles may be intoxicated, distracted, or have never even passed a driving test. There are some crazy motorists out there and even if you are a passenger or pedestrian you could end up being the victim of an accident. Travel insurance covers you for any medical bills (see No.1), damages to your vehicle or property plus any liabilities, as there are people who could sue you for expenses incurred.

Remember: You must read the fine print of any insurance agreement BEFORE you buy it and how much it covers for emergency situations and medical repatriation.

Like this post? Subscribe to the Soulful Travel newsletter for Annie’s packing checklist plus travel related advice, news, competitions and more. Sign up here.
If you need travel advice, request a free 30 minute coaching session. In the chat Annie will help you choose a destination, create your itinerary and review safety precautions. Or she can discuss how you can incorporate more travel into your life by saving, making money, travelling for free or being paid to travel.

pexels-photo-57750

3. Crime is Everywhere

Unfortunately, all countries have police forces, because crime exists wherever there are humans. When you are travelling in an unfamiliar country, confusions, distractions and generally deciphering a foreign land can make it easier for you to be pickpocketed, robbed, assaulted, or worse. If you do find that some of your items are stolen then travel insurance can help replace some of the items you may have been relieved of. Make sure you know what the excess cost is and take photographs of all your gear. Save the photos online before leaving your home country.

Remember: File a police report, record any conversations and keep a note of the record.

pexels-photo-923681

4. Travel Delays

Whenever you are on the move there is the potential for travel delays. Mechanical problems, weather conditions, staff shortages… the list of reasons is endless. With delays come incurred costs as a result, which can be considerate. In some circumstances you can be entitled to compensation and your expenses reimbursed if your flight landed or took off from an EU country or the airline is based in the EU you can use the website resolver.co.uk to claim what may be owed to you, even if it is from a few years back.

If this does not apply to you then for additional expenses as a result of a delayed journey, such as rebooking onward transportation, travel insurance can help to recoup those costs.

Remember: Acts of God – such as natural disasters – may not be covered and you should check this with the provider.

aircraft-qantas-air-new-zealand-lan-chile-69827

5. Lost Baggage and Other Mislaid Items

Even if your flight is on time, your baggage may not make it to your destination. This can be very frustrating and can mean shelling out for clothes, toiletries and other essential items. Similarly, it is all too easy to leave your passport in the hotel room or a coat on a bus. By having insurance you can often be repaid for losses you incur whilst travelling, whether it is your fault or a company.

Remember: Travel insurance may not cover any losses incurred due to intoxication, be sure to do thorough research.

Like this post? Subscribe to the Soulful Travel newsletter for Annie’s packing checklist plus travel related advice, news, competitions and more. Sign up here.
If you need travel advice, request a free 30 minute coaching session. In the chat Annie will help you choose a destination, create your itinerary and review safety precautions. Or she can discuss how you can incorporate more travel into your life by saving, making money, travelling for free or being paid to travel.

pexels-photo-1170187

6. Cancellations

Sometimes life throws you a curveball and you may need to cancel your plans. Sometimes your plans are cancelled for you, for example by a service provider, such as the airline or accommodation organisation. If there is, for example, a family death or double-booking then travel insurance can refund you for those costs.

Remember: Buy insurance as soon as you have begun to buy your trip so that you are covered for any cancellations before you actually begin to travel.

sunglasses-purple-reflection-fashion-633883

It is worth considering insurance for any unexpected circumstances that you are not prepared for. However, it is vital that you carefully read and extensively research the options out there.

When you are researching insurance options, be sure to check any insurance you may already have, e.g. with your employment or through a credit card. Do check that it covers large medical bills, delays, cancellations, lost or stolen possessions and how much each is covered for, plus any excesses that may need to be paid upfront.

You may still think you don’t need insurance. However, whenever something goes wrong when travelling it is always the first question asked: Do you have insurance? You may not have seen those posts where someone is stuck somewhere with horrendous bills to pay and is asking for donations to help. Perhaps you don’t know someone whose travel didn’t go to plan and they needed to shell out extra monies to cover the problem. Or even worse.

It is your choice, but if you want to check just how much it could cost you contact international insurance providers World Nomads just use this handy tool:

 

 

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.

Like this post? Subscribe to the Soulful Travel newsletter for Annie’s packing checklist plus travel related advice, news, competitions and more. Sign up here.
If you need travel advice, request a free 30 minute coaching session. In the chat Annie will help you choose a destination, create your itinerary and review safety precautions. Or she can discuss how you can incorporate more travel into your life by saving, making money, travelling for free or being paid to travel.

[blog_subscription_post]