Travel Safety Tips
Picking travel insurance can be a very confusing part of planning your international trip. Is it worth the expense? Which insurance companies offer the best coverage?
Getting some travel insurance is an extremely important part of planning a trip to foreign countries. Many regular health insurance companies don’t cover much (if anything) when you travel. This means you should purchase a dedicated travel insurance plan.
Travel insurance plans can cover a mix of medical emergencies, accidents, theft of personal property, illness, and even trip cancellation or interruptions. It’s just a smart option if you want to travel safely these days.
But the best part is, decent plans can cost only a few dollars a day.
After 10-years of travel, I’ve had quite a few incidents happen on the road (Dengue Fever, a stolen camera, phone, etc.) So I never travel without insurance to protect me from these unexpected situations.
My goal with this travel insurance guide is to help you narrow down the overwhelming choices out there — and pick some good travel insurance whether you’re traveling for 2-weeks or 6-months.
Types Of Travel Insurance
There are a few different kinds of travel insurance, and some plans cover more than others.
You’ll have to ask yourself a few questions before picking a plan. Are you a short-term traveler going away for a week or two? Or are you a long-term traveler leaving for 6-months or more?
Do you carry a lot of expensive photo/computer gear, or not?
Will your current health insurance cover you overseas? How much will it cover? Does it include medical evacuation? Do you have any pre-existing conditions?
Are you the type of person who books hotels/flights/activities in advance? Or do you just wing it and pay for these services as you use them? Are you worried your trip might get canceled?
Travel Medical Insurance is coverage for accidents, injuries, illness, or hospital visits while you are away from home.
Medical Evacuation Insurance is coverage for emergency transportation (often via airplane) to a major hospital for better treatment.
Trip Cancellation Insurance is coverage for unexpected interruptions in your travel plans.
Baggage/Property Insurance is coverage for theft or damage to your gear while traveling.
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