“How to find the best travel insurance?”. If you’re still wondering why you need travel insurance, read this post first then head on back here for the good stuff!
From now on, I’ll just assume you’ve read that other post or you already understand why travel insurance is such an essential. Lets get into it!
So, travel insurance can seem a little confusing and overwhelming to some, at first. But there are certain aspects that you should look out for that tell you whether it’s a good insurance plan or not.
Things to Look Out For in Good Policies
One of the most overwhelming things, when looking for travel insurance, is the number of companies that offer it. It’s almost an endless list of choices and it may seem like an impossible task when it comes to picking one.
The first, and most important thing you should look out for is medical coverage. This should be very high (at least £100,000). If you become very ill or get seriously injured, this will cover your hospital bills. There would be nothing worse than being taken to hospital and your insurance coverage is used up before your treatment has finished. If you’re backpacking and are going to be doing something like hiking through the mountains, it’s pretty important to have emergency evacuation cover as well. This will cover you being evacuated and transported to a hospital if you injure yourself in a remote location. For this, you should also make sure that you’re covered for transport back to your home country.
Next up, you want to be covered for your electronics. If you’re a photographer, vlogger or anything else like this, this will be quite important for you. The coverage is often quite small (usually maxing out at around £500-600), so preferably look for a plan that has the option to upgrade for higher coverage. Obviously, if you’re not bringing many gadgets, this isn’t as important.
Something that is important for everyone, is having coverage against lost, stolen or damaged possessions. There is nothing worse than having one of your bags stolen and then having to pay for everything out of your own pocket.
If one of your hotel bookings gets cancelled, or one of your flights or other transport links, you’re going to want to be covered for them too.
This next one is probably the most unlikely scenario on this list, but I still feel it should be included. You should be covered for any natural disaster that happens in the given country you are travelling to.
There are two other important things to look for… Make sure the plan covers you in most countries around the world. Most of the time when you set out travelling, your plans change and you’ll go to some countries you didn’t initially plan to go to, so this is a big one. The other is to make sure you have 24/7 access to emergency services!
Other Top Tips
- Be aware of what isn’t included in the policy. You most likely will not be covered for lots of extreme activities unless you pay an additional fee. You will also not be covered for injuries obtained when you’re drunk. If you lose your bags or some of your possessions and it was entirely your fault, you likely won’t be covered for that either.
- Always read the fine print. This is not the same as reading something like the iTunes terms and conditions! This is important because it will make you aware of the limitations of the plan and should hopefully avoid you getting any nasty surprises later on.
- Take your time. I touched on this in the other article. Don’t just pick the first policy you stumble upon. Take your time and do the research required to find the best plan that suits you personally.
A Good Place to Start…
For me, a good place to start would be STA Travel. Well-suited for backpackers and nomads of all sorts, their plans are fairly well-priced, considering what they offer. You can choose between their single trip plan or their multi trip plan. They also offer optional add-ons so that you can tailor the plan to your specific needs. I have used STA myself when I went to do a ski season in Japan and I can’t complain at all. As well as being covered by their insurance, they also helped me during the planning stages of my trip, assisting with flights and things.
Another company that seems to be very popular is World Nomads. I haven’t used them personally but from what I’ve heard, they’re also very reliable when it comes to their plans.
Those are two good starting points but there are so many other companies out there that you will find something ideally suited for you.
Hopefully this can help you answer the question, “how to find the best travel insurance?”.
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