Why you need to buy travel insurance

by ilive4travel

Published on Jul 27, 2019

*This article may contain affiliate links. This means that if you make a purchase after clicking on the link, I may receive a small commission at no extra cost to you.

I keep reading on facebook and in the news so many stories of people who are travelling without insurance or their insurance wouldn’t pay out. Having previously worked in the insurance industry and spending my days reading insurance policies, I understand the importance of checking to make sure you understand what you are covered for and what you aren’t. Something I am now experiencing in the UK is that insurance companies are changing their definition of UK resident, to someone who has spent 6 months out of the last 12 months in the UK.  Generally this is not me and I have realised that in recent years a few of the policies I have bought, had I claimed, I would not have been covered!! Make sure you check the policy before you buy it, if you spend a lot of time outside the country you are resident in, make sure that you would be classed as a resident by their definition and check every time as this seems to be something recent especially for the UK.

ilive4travel cycling down death road Do you have a return ticket? I have read stories recently of claims being turned down as the person did not have a return ticket.  Most policies cover you from the date you leave your home country until the date you return and if you cannot prove you are returning then your claim may be turned down.  I have found at times that it can actually be cheaper to buy a return ticket than a single ticket!! Some people buy annual travel insurance but make sure you are aware that this only covers you for so many trips a year and up to a maximum amount of time (you need to check the policy as each company can be different, but quite frequently it’s a maximum of 30 days). Also you need to check for exclusions, know before you go exactly what activities are covered/excluded.  For example, high risk activities like ziplining, white water rafting and hiking over a certain altitude may not be covered. Did you know that if you rent a motorbike/scooter, then you need to have the appropriate licence in your own country to ride one and to be covered under your travel insurance!! If you do not have the appropriate licence and have a bad accident then you need to have the funds to cover any medical treatment needed as it will be excluded from your travel insurance.  Just because Thailand will let you hire a scooter does not mean that your travel insurance will happily cover you if you have an accident on it!! Hiking El Misti Arequipa Peru Also hiking, most policies only cover up to a certain height for example 2,500 metres.  This may be ok if you are hiking in Europe but in South America/Nepal then you will need to either get it extended or buy specialist cover if you are to be covered hiking any higher. You also need to make sure that you declare any previous medical conditions, as not declaring a medical condition could void a claim.  You will need to discuss with the insurance company whether any cover can be provided for this condition while you are abroad or whether you can only be covered for non related incidents. Very few insurance companies will allow you to buy an insurance policy once you have left your home country, so you will need to consider this if you are already abroad.  It is possible though these policies tend to be more expensive than if you bought the cover at home, so if you can buy before you travel then you are best to do this. It is also a good idea to buy the policy once your trip has been booked, in case the trip is cancelled for any reason, eg if you have an accident/illness and are no longer able to travel or this happens to your travel partner. ilive4travel and captain in the hot air balloon egypt Gadget cover.  Generally no cover is given, though you can pay extra to get some cover.  If you want specific items covering eg laptop, camera  then you need to speak to the insurance company to see how much extra it will cost to get insurance for these.  Also make sure you know what cover is available as most will have quite strict terms on the care you have taken with them for cover to be valid.  They must have been stolen from somewhere locked with signs of forced entry. I personally use World Nomads for insuring my travels, to find out more about them and to get a free quote, see the information below.

Travel insurance: simple & flexible

You can buy and claim online, even after you’ve left home. Travel insurance from WorldNomads.com is available to people from 140 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

 

7 things you should know about travel insurance from WorldNomads.com

    1. Trusted reliable underwriters WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
    2. Value for money with the cover you need WorldNomads.com provides cover for what’s important for travellers from 140 countries. By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.
    3. Flexibility when you need it most Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you’re already travelling.
    4. Cover for a range of adventure activities From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
    5. World Nomads keeps you travelling safely All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
    6. More than just great value travel insurance All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
    7. Commitment to exceptional customer service We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.

Why buy travel insurance from World Nomads.com?

    1. Backed by specialist insurers and global assistance partners
    2. Buy Online, even if you’ve already left home
    3. Buy more cover and claim online while travelling
    4. Covers a range of adventure sports and activities
    5. Give a little back and support a community development project

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——-  About me ——-

girl sat on some wooden stairs wearing a black jumper

Clare from Ilive4travel

Hi my name is Clare and welcome to ilive4travel.  I am originally from the UK but spend most of my time in Peru, the country that caught my heart.

I have visited 73 countries and love to share with you everything I have learnt about these countries in my guides.

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