Don’t you dare get on a plane without this! Travel insurance is just as important as your passport and contrary to popular belief, it is NOT expensive! We’re sharing a story about why you NEED travel insurance, which companies we use and what policy details to look for when you go over our travel insurance comparison.
Travel insurance, do I really need it? Yes. Absolutely. 100%.
We have been exactly where you are right now: debating whether or not to get insurance for our travels. Thought travel insurance would be expensive and weren’t really sure how to go about picking a policy that fit our needs. We weren’t sure it was really necessary…
But one experience forever changed the way we view travel insurance.
This article will explain why everyone should purchase travel insurance, and what policy details to look for when you go over our travel insurance comparison.
Let’s get straight to the point, shall we?
Before we tell you the story that made us never want to travel without insurance again, we’ll tell you the 3 insurance companies we use and trust. They each have somewhat different purposes, so we choose the specific policy based on the type of travel we’re planning to do. Read through each description and see which will suit you best.
In the past, we’ve used Allianz Travel insurance for the majority of our long term travels. We’ve had great experiences with their customer service, they have pretty good coverage and they are one of the most inexpensive options we’ve found. We’ve filed two claims with them due to gear being stolen and Ben had some emergency dental care, and they sent us our claim money within a few days.
We purchased a year-long travel insurance coverage policy for two people for several years in a row. Each year, prices have increased slightly, but overall Allianz is still a very affordable option.
However, it does have its limitations… Allianz does not cover some extreme sports and they also have not provided coverage options for the global pandemic.
Whenever we’ve needed insurance for extreme adventure activities, we’ve gone with World Nomads. If you are going on a two week trip or going to be doing some more extreme activities like scuba diving, trekking to Everest Base Camp or other extreme activities, you will need this coverage.
Very much geared toward digital nomads, SafetyWing are one of the few providers who have coverage for Covid-19.
The Importance of Travel Insurance: A Life Lesson
Do I really NEED travel insurance?
I plan every single detail of my trips, so nothing will go wrong.
I never have issues with flights.
I’ll keep my valuables on me 24/7.
I always take great care of my health, and I hardly ever get sick.
These are all famous last words we’ve heard from fellow travelers.
But mistakes do happen. Travel isn’t always pretty. Credit cards can be “misplaced”. Flights can be delayed due to weather (ahem… Minnesota snow. Or volcanoes in Bali). The one time you forget to keep your eye on your camera, it gets stolen. And let’s not forget that food poisoning happens whether you avoid street food or not. We speak from experience.
Don’t believe us? We’ve heard too many real life travel horror stories, including experiencing some of our own, to know better.
In fact, the story below is a perfect example of why you should get travel insurance NOW!
This anecdote isn’t meant to scare you or to deter you from traveling. But instead is meant to illustrate the importance of having travel insurance.
After hearing that story, we immediately went online and bought travel insurance. And now, arranging a travel insurance policy is one of the very first things we do when planning a trip.
We are firm believers that there is exponentially more good in this word than bad. There is absolutely no need to fear other people, cultures or countries.
With that being said, we sleep better at night knowing our valuables are covered if something is stolen (unfortunately we’ve had to use our insurance policy for this reason). And we know that we can get medical care in an emergency (we also had to use our insurance when Ben had issues with his teeth and had to make an emergency appointment overseas).
Insurance is something you hope you never need to use, but you get anyway. That’s why you have it for your car, your home, your teeth, and your health… But oftentimes people forget that their normal insurance policies typically won’t cover stolen items or accidents that occur overseas.
What travel insurance should I use?
Plug this phrase into Google and you’ll be overwhelmed by the choices. It seems as if there are a thousand companies with a million different policies. So how the heck do you know where to start?!
Lucky for you, we’ve done all the research so you don’t have to.
We compiled all the info online and are sharing out top picks for different travel insurance needs. We will also walk you through what to look for in a policy so you can do your own travel insurance comparison.
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