It’s easy to be blasé about travel insurance. Let’s face it, most of us will live our lives without ever claiming on travel insurance. And that’s exactly the way it should be.
Because travel insurance isn’t there for the small things. I didn’t use it when I got pickpocketed in China, when my waterproof camera ceased being waterproof, when I took out a car window with my head during an a car crash in Egypt, or when I came off a bike in Thailand and scraped my arm.
THIS, however, is where travel insurance comes in really handy.
Travel insurance is for when something major goes wrong. Such as my son’s broken arm. A break which, back home, would have involved nothing more complicated than ringing an ambulance to take him to hospital for surgery cost our travel insurers more than $150,000.
Our travel insurance helicoptered us from a rural clinic with no running water in the middle of nowhere, Outer Mongolia, to the capital, Ulaanbaatar, for an X-ray at the best clinic in the country. Then they flew us to Hong Kong, on a private jet, for surgery at the best emergency hospital in all Hong Kong. And then they flew us “home”.
If we hadn’t had travel insurance? My son would have travelled 12 hours overland in a jeep to a primitive hospital in a town of 30,000 people to get to an X-ray. And, because his arm had been badly splinted, he’d likely have had permanent nerve damage by the time he arrived.
Let me underline this, one more time.
When you need travel insurance, you REALLY need it. And what you are buying travel insurance for is NOT your possessions, but your life, and your safety.
As longterm travellers, we now use World Nomads.
Here’s five reasons why:
1: Their medical and evacuation cover gives us what I need to ensure my son’s and my own safety.
2: Their residence requirements are highly flexible. Conventional insurers often require a fixed period of physical residence in your home country before issuing insurance: World Nomads can cater to nomads.
3: Their adventure travel insurance is excellent and flexible. Their level 2 cover is perfect for us, as UK travellers, whether we’re hiking to Everest Base Camp or diving in remote islands in Indonesia.
4: I can buy their insurance online, for periods up to a year, wherever I am in the world, and top up if we’re still travelling.
5: As a British single parent doing adventure travel with a child, my dependent son comes free with my cover, saving me the extra expense of a family policy. Their family policies are also ideal for longterm family travel insurance.
When buying travel insurance, it’s critical to read the Ts & Cs to ensure you’re covered for everything you intend to do. Click here for more on why this matters.
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