If you’re like me and thinking, I never get sick, why the heck do I need to drop a few hundred dollars on travel insurance?” think again. Travel insurance isn’t just about being able to see the doctor in Zimbabwe for your broken nose. It’s about covering a range of unanticipated mishaps and misfortunes. If you have no choice but to cancel a flight and the airline won’t refund you, travel insurance will cover it. If you are robbed and find yourself without money or your backpack, the insurance will cover it. If you’re injured in a remote region of the world and require a medevac, which can cost in the hundreds of thousands, your covered. If you still can’t be bothered with insurance, I bid you good luck and a safe journey. But if you’re thinking insurance might not be such a bad idea, below you will find a brief guide to picking the insurance that’s right for you.
How To Pick Your Insurance Company
The first step is to decide on a company. Though it should be obvious, don’t choose small companies that has only been up and running for a few years. Instead opt for larger companies with solid reputations. Check out their reviews and even talk with someone who has filed a claim in the past with them. It’s also a good idea to find a company that’s based out of your home country. In this way, if you ever have to fight for your claim it will be much more convenient.
How To Pick Your Insurance Policy
As a budget backpacker, the goal is to find the cheapest travel insurance policy with the most coverage. Below you will find a list of what your insurance should include. -Emergency medical and dental up to at least 100,000$ -Emergency medical transport/evacuation up to at least $200,000 -Personal liability if you injure someone abroad of up to 100,000 -Trip cancellation in case of unforeseen interruptions to flights up to 3000$ -Baggage coverage in case of loss or theft up to 2000$ -Electronic coverage if lost stolen or broken of up to 1000$ Be sure your policy will cover you no matter where you are in the world. Confirm that it will cover all potentialities listed above in every aspect, including any legal fees. Finally, don’t forget to read all the fine print and not just the advertised coverage plan.
When chosing an insurance company, go for the bigger and more reputable one. When choosing a policy be sure that it meets your needs. When it comes to your health coverage, ensure that it covers at least 100,000. You don’t want to skimp on your health. You never know what cards are in your deck.
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