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The Importance of Travel Insurance

By Sara | March 30, 2016

The nice thing about having a 9-5 job is that the employer usually has some sort of insurance policy for the employee. Things like health coverage, life insurance, or even car insurance are benefits that job seekers usually look for. For most travelers however, this doesn’t work the same way.

Many travelers are adventuring during a gap year, while working for themselves, or living off of savings. This means that many do not have a pre-defined insurance policy, unless they pay for it out of pocket or are under their parents health coverage. While not being insured can certainly cut costs, it is not a safe way to travel, especially internationally.

There are many accounts of travelers getting injuries from the extreme sports we all love like cliff jumping, sky diving, parasailing, snowboarding, etc. It’s all fun and games until someone gets hurt though, and when injuries happen, that doctor visit wont be cheap without insurance.

Even if you’re not participating in any dangerous activities, what if you get sick? With all the different foods and unknowns going into your body, anything could happen even if you’re the most cautious traveler.

The point is, it’s better to be safe than sorry. The good news is that there are options. If you live in the USA and are under 26, check with you parents to see if you qualify to be under their health insurance. Just make sure to carry an insurance card with you and call your provider before your trip to check what their international policies cover.

If you’re over 26, can’t be covered by your parents insurance or don’t have an international insurance policy, consider purchasing travel insurance. There are several companies that offer travel insurance, and we use and trust World Nomads. The best part about World Nomads is that you can extend and renew your policy online, while you’re traveling.

The two tiers, standard and extreme, cover different situations and levels of compensation should things go wrong. Not only does World Nomads travel insurance cover health related issues, but they also cover damage or theft to your personal belongings and things like trip delay and flights home in emergency situations. Check out their website for more information.

You’re about to embark on an amazing trip, so don’t let it be spoiled by the unexpected. Take the necessary precautions to keep yourself safe and have some piece of mind that if and when things do go wrong, you have options and assistance to handle it.