Tips on how to Select a Journey Insurance coverage Plan


Journey insurance coverage isn’t a enjoyable matter to examine. Studying insurance policies, evaluating protection, combing over the fantastic print it’s the least horny side of planning a visit.

Personally, I by no means depart residence with out journey insurance coverage. On this submit, I’ll clarify why. I’ll additionally arm you with the ideas and knowledge you’ll want to choose a journey insurance coverage plan on your subsequent journey so you may journey with confidence, lower your expenses, and take advantage of out of your subsequent journey.

Why Do You Want Journey Insurance coverage?

As an added expense, journey insurance coverage is one thing price range travellers are cautious of. In any case, why do you have to pay a whole lot of {dollars} (or extra) for one thing you won’t even use?

Certainly, it’s a query I get requested loads.

“Do I really need journey insurance coverage? Chances are high nothing will occur, so why ought to I even trouble?”

Whereas it’s a good query, I can inform you from expertise that travellers who don’t purchase journey insurance coverage immediately remorse that call the minute one thing goes fallacious.

And, similar to at residence, issues can go fallacious when you’re travelling.

Misplaced baggage, delayed flights, damaged bones, pure disasters I’ve seen all of it. I’ve even been mugged whereas travelling.

And whereas it’s not enjoyable to consider issues going fallacious as you intend your dream getaway, it’s vital to be lifelike.

Journey insurance coverage can cowl bills because of flight delays or cancellations

Journey insurance coverage is a security web that protects you in an emergency. Whereas sudden incidents are uncommon, they occur to travellers extra usually that you just assume.

In 2022 alone, over 20% of flights had been delayed and a whole lot of hundreds of flights had been cancelled. Whereas seemingly minor in comparison with, say, a damaged limb, delayed and cancelled flights can imply missed connections, missed excursions and excursions, and ruined holidays.

Along with numerous delayed and cancelled flights, I’ve relied on my journey insurance coverage to assist me when my baggage was misplaced, when my brand-new digital camera was damaged in Italy, and after I wanted medical consideration. Perhaps I’m a bit unfortunate, however this has occurred a number of instances through the years, together with after I popped my eardrum in Thailand.

Each time, journey insurance coverage was there to assist me navigate the state of affairs, and to make sure I used to be compensated for my bills.

Misplaced or stolen gear can price hundreds of {dollars} to interchange. Medical emergencies can price tens of hundreds in hospital payments, and emergency evacuations can price upwards of $250,000 USD!

Journey insurance coverage can cowl misplaced or stolen gear

Whereas I by no means depart residence with out journey insurance coverage, I do know travellers who’ve. And so they immediately regretted it, having been compelled to pay hundreds of {dollars} out of pocket for sudden medical bills.

Don’t make that very same mistake. For only a couple bucks a day, you may journey fear free, figuring out that you just’re protected against the excessive prices of sudden medical payments.

To me, it’s effectively well worth the worth.

1. Know What to Look For in a Coverage

Now that you already know why you want insurance coverage, it’s time to match insurance policies and costs. Not all insurance coverage firms are created equally, as some provide strong protection whereas others present the naked minimal.

That will help you discover a plan that fits your wants and price range, right here’s what I search for when shopping for an insurance coverage plan:

  • 24/7 emergency help through phone
  • Protection for accidents and sicknesses (at the least $100,000 USD)
  • Protection for all of the locations you intend on visiting
  • Some gear/digital protection (at the least $500 USD per merchandise)
  • Protection for misplaced or stolen items (baggage, jewellery, and so on.)
  • Protection for delays and cancellations
  • Evacuation protection for civil unrest, pure disasters, and accidents
  • Automobile rental protection (if you happen to’re renting a car throughout your journey)
  • Journey cancellation and interruption protection
  • Compensation for demise and dismemberment
  • Potential to submit claims on-line and obtain reimbursement direct to your financial institution (and never by cheque)
  • Potential to lengthen your coverage on-line whereas travelling

When in search of a coverage, be sure you have at the least $100,000 USD in emergency medical protection. Whereas that looks like loads, the very last thing you need is to blow via your protection in an emergency after which must foot the invoice your self when you’re nonetheless within the hospital.

Damaged bones alone can price $10,000 USD or extra. Don’t low-cost out on a plan with simply $25,000 USD in protection be sure you have at the least $100,000 USD.

Journey insurance coverage can cowl the price of damaged bones

For evacuation protection, intention for at the least $300,000 USD. Emergency evacuations because of pure disasters or political upheaval (to not point out medical emergencies that require you to fly residence) aren’t low-cost, costing between $200,000300,000 USD alone! 

When evaluating plans, you’ll discover that some firms primarily deal with protecting sudden medical prices (comparable to Security Wing), whereas others provide extra complete protection (comparable to World Nomads).

Whereas it’s vital to know what’s lined, it’s additionally vital to be taught what’s not lined by every coverage.

2. Discover Out What Isn’t Lined

Whereas each insurance coverage coverage is totally different, there are some customary occasions and actions that often aren’t lined. These usually embrace:

  • Accidents sustained whereas intoxicated
  • Something associated to pre-existing circumstances (some plans do have protection for pre-existing circumstances, however they’re few and much between)
  • Most adrenaline actions (skydiving, bungee leaping, and so on.)
  • Hikes above a sure altitude (assume Mount Kilimanjaro, Everest Base Camp)
  • Gear (most insurance policies cap reimbursement for objects like telephones and computer systems at $500 USD per merchandise)
  • Evacuation because of civil unrest, in case your authorities has not referred to as for an evacuation
  • Misplaced or stolen money
  • Misplaced or stolen private objects because of negligence in your half (comparable to leaving baggage unattended)

Whereas you could find plans that cowl a few of these, most insurance coverage insurance policies (particularly price range insurance policies) usually don’t cowl all of them.

With this in thoughts, many firms have upgrades or a number of tiers accessible to incorporate protection for adrenaline actions, protection for gear, and protection for pre-existing circumstances.

Excessive-altitude actions aren’t often lined by fundamental journey insurance coverage insurance policies

In case you plan on collaborating in journey sports activities or high-altitude climbing or mountain climbing, make sure that the coverage explicitly mentions that it’s included. If it doesn’t, name the insurance coverage firm to make sure that you’ll be lined.

3. Make Positive Your Coverage Has COVID-19 Protection

Many insurance coverage firms have tailored to our new actuality and now present various levels of protection for COVID-19 (and different pandemics). Whether or not it’s protection for cancellations, quarantine, hospitalization, or therapy if you happen to’ve contracted COVID-19, there are many plans and insurance policies on the market now for travellers involved about getting COVID-19 throughout their journey.

Some firms that supply COVID-19 protection embrace:

As at all times, make sure that to learn the fantastic print concerning pandemics and COVID-19, because the business remains to be in flux. If in case you have questions, name the corporate and ask so that you get essentially the most up-to-date and correct data.

4. Evaluate Firms

Now that you already know why you want insurance coverage, what to search for in a plan, and what’s not included, it’s time to start out evaluating firms to discover a coverage that fits your wants and price range.

I’ve been shopping for journey insurance coverage for over 14 years and writing concerning the business for over a decade. In that point, I’ve learn numerous opinions, examined quite a few firms, and talked to hundreds of travellers about their experiences.

Listed below are the businesses I recommend you contemplate once you’re in search of journey insurance coverage.

SafetyWing is the corporate I like to recommend essentially the most as a result of it’s tremendous reasonably priced and covers all of the fundamentals. They’re your best option for backpackers and long-term travellers on a price range.

You’ll be able to learn my detailed SafetyWing overview if you wish to be taught extra about their protection.

IMGlobal has a tonne of various plans and insurance policies, starting from budget-friendly to extraordinarily complete (with a price ticket to match). In case you’re in search of protection extra akin to medical insurance, begin right here.

For extra complete protection, choose World Nomads. They’ve two tiers of plans which might be nice for price range and mid-range travellers who need further protection for actions and kit, in addition to cancellations and delays.

You’ll be able to learn my complete World Nomads overview if you wish to be taught extra about what’s lined.

Insured Nomads has plans comparable in protection and worth to World Nomads; nevertheless, additionally they have complete plans for digital nomads. This consists of each emergency protection and non-emergency protection, which is analogous to your well being plan again residence, together with psychological well being protection and telehealth choices.

Whereas not low-cost, if you happen to’re working and travelling, you’ll possible need one thing extra in-depth than customary journey insurance coverage.

Medjet is a membership program that gives no-questions-asked medical transport to the hospital of your alternative ought to one thing occur. Most journey insurance coverage firms don’t assure you’ll be despatched residence in an emergency, and often simply ship you to the closest “acceptable” facility. Medjet ensures you get residence.

Learn my in-depth Medjet overview if you wish to be taught extra.

One factor to recollect when researching journey insurance coverage firms is that it’s best to take opinions you learn on-line with a grain of salt. Individuals are more likely to jot down a unfavorable overview than a optimistic one.

Keep in mind, journey insurance coverage firms are for-profit firms: they aren’t providing to cowl you throughout your journey out of the goodness of their hearts. They’re in it as a result of it’s a billion-dollar business, so you should definitely learn the coverage and overview the claims course of earlier than you buy.

5. Overview the Claims Course of

As you analysis insurance policies, learn up on the claims course of on your potential journey insurance coverage firms to be sure you perceive what’s required and anticipated ought to you’ll want to make a declare.

Whereas the precise claims processes are totally different for each firm, there are just a few fast suggestions price figuring out that apply to each traveler.

  1. Name the insurance coverage firm instantly and allow them to know you’re making a declare. They’ll stroll you thru the particular subsequent steps.
  2. Hold copies of all of your vital paperwork in your e-mail. Airplane tickets, lodging receipts, tour receipts, receipts for any big-ticket objects you’re bringing with you (laptop computer, cellphone, and so on.), and a replica of your passport ought to all be digitized so you may simply submit them for a declare if obligatory. That means if you happen to lose your cellphone or laptop computer, you may nonetheless entry the copies.
  3. Take photographs of your baggage and packed objects earlier than you go. In case your backpack/suitcase is misplaced or stolen, you’ll have photographic proof of what was in it.
  4. Doc every thing. In case your baggage is misplaced by an airline, hold all correspondence from them. In case you go to the hospital, be sure you get documentation and receipts. Insurance coverage firms solely pay out claims once you comply with their directions to the letter. Meaning acquiring documentation for each little incident alongside the way in which.
  5. In case your declare is taking longer than anticipated, comply with up. Typically extra data is required or issues get misplaced within the combine.
  6. In case your declare is rejected, ask why. Typically it’s only a matter of lacking data or paperwork so don’t hesitate to politely (however firmly) ask for a second analysis.

6. Different Ideas & Strategies

At all times learn the fantastic print. Most insurance coverage firms present quotes on-line and have a easy breakdown of what’s lined, often in a chart or brochure that explains the fundamentals.

Whereas that data is useful for getting began, you’ll wish to learn the precise coverage before you purchase a plan simply to be sure you totally perceive what’s included. Most of the time, when somebody emails me complaining about their insurance coverage firm, it’s as a result of they didn’t learn your complete coverage.

Don’t make that very same mistake at all times learn the fantastic print earlier than you buy a plan.

Save your insurance coverage firm’s contact quantity. Each insurance coverage firm has an emergency hotline you may name ought to one thing occur.

Save that quantity in your cellphone and share it with your loved ones. That means, you received’t must waste time in an emergency in search of a quantity and may contact the corporate instantly.

Purchase your insurance coverage instantly. When you’ve booked your flight, purchase your insurance coverage plan.

Journey cancellation advantages often kicks in proper once you purchase your plan, so buy your insurance coverage the minute you begin paying deposits and/or shopping for flights. The additional protection will turn out to be useful if you’ll want to delay or cancel your journey.


No one desires to consider their journey getting ruined or getting injured overseas. However after over fifteen years travelling the world, I’ve seen first-hand simply how vital it may be.

From minor incidents like delayed flights to severe accidents like damaged limbs, you simply by no means know what’s going to occur when you get on the highway. That’s why I by no means depart residence with out journey insurance coverage, and neither do you have to.