Don't leave home without it!
Travel Insurance is just that! An insurance to cover you, when things go wrong. It is one of the important things that should be high on your” to do list” before you depart for your chosen travel destination.
Travelling to different countries, the possibilities of something not going according to plan, are higher than usual.
Do not see insurance as an optional extra! You could end up thousands of dollars out of pocket. Even a short trip should be covered.
Travel Health Insurance really is an absolute must! Here in New Zealand, medical treatment for tourists, who are not eligible for a government subsidy is expensive! My experience is, this is the same in many travel destinations.
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Travel insurance: simple & flexible
You can buy, extend and claim online, even after you've left home. Travel insurance from WorldNomads.com is available to people from over 140 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.
General Tips for Choosing Travel Insurance
There are specially designed insurance policies that suit different types of travel.
- Comprehensive Overseas
- Medical Only Cover
- Annual Multi trip
- Backpacker Cover – this often includes adventure activity cover
- Travel Cancellation
- Medical Travel Insurance – including cover for pre existing health issues.
- Medical – repatriation to home country if injured, ill or in death.
- Ski Insurance
A General Insurance should cover – 1) Personal baggage
2) Money and Travel documents
3) Trip Cancellation Fares
4) Loss of Deposits
5) Medical and other expenses
6) Rental vehicle excess ( this is the amount you have to pay , when the company insurance is paying an insurance claim for vehicle damage)
7) Strikes/Hi Jacking
8) Accident, death or permanent disability
I think that with World Nomad you have a very good cover for all possible scenarios......very few companies will cover you for high risk sports.My daughter always covers her travel with this company and has had excellent service when she has had to make a claim.
Checking your Policy
Insurance policies are notoriously wordy and difficult to read. But you MUST read the small print. Check you are covered for what you expect to be covered for. Are there any snags?
Just having paid your premium will not mean you have automatic cover of all these things. It must be there written into the in the policy. There are often exclusions such as natural disasters. Know what you are paying for!
More Insurance Information Links
International Travel Insurance
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