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Reasons for travel insuranceTravel insurance covers a range of unfortunate events. The main reasons why people take travel insurance are:
Reasons against travel insuranceIn many cases, you'll find that any medical bills while on your trip may actually be covered by your health insurance back home. To make sure you know where you stand, call your home health insurance agent. It's also a good idea to ask him or her what activities your trip will include are covered. For instance, will you be scuba-diving, jungle-trekking, paddle-boarding, kite-surfing or riding a motorbike?
While you're on the phone with your travel insurance company, ask them how your claim will be processed. It's quite possible that you may have to pay cash in advance at the medical facility abroad, after which you'll get reimbursed; that is, once all necessary and oftentimes time-consuming paperwork has been exchanged. If you prefer the easier way, then opt for travel insurance.
Coverage for trip cancellations, delays and loss of personal items is nice to have. But ask yourself if you really do need it? All of these benefits come at a price. because, generally, you'll find that travel insurance tends to be offered as a package, regardless of whether you have to cancel your trip or that any of your belongings will be lost or stolen. And, indeed, regardless of how valuable your belongings are.
Choosing the right travel insuranceIf you decide to take out travel insurance, we recommend World Nomads. Why?
You can then buy your travel insurance online, safely and securely.
World Nomads are endorsed by Lonely Planet, Travelfish.org and Rough Guides.
Teaching the kite-surfing basics on
a small trainer kite
Getting a feel of the kite's flight behavior
Rahim applying our Teach Well - Play Well
Covering the power zone
with our kite-surfing class
Safety first, Fun Second
Explaining the ins and
outs of SUP paddles
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