World Nomads Travel Insurance Review

By | Uncategorized | No Comments

World Nomads have been offering travel insurance for many years now.

Generally according to the feedback we’ve been receiving World Nomads provide excellent travel insurance cover for adventurous travellers. Of course as is always the case with travel cover, you need to ensure that any policy covers the type of travel you’re doing and the type of traveller you are.

We see many positive reviews and very few negative.

We’ve included below their quote calculator which also provides policy inclusions so that you can be fully informed:

Typical Travel Insurance Inclusions

By | Uncategorized | No Comments

When you are planning to enjoy your vacation, you should consider using the travel insurance. This insurance is very effective to help you avoid any problems in the future. You can protect yourself and your families from any financial problems during your vacation. Many people are becoming aware with the need of travel insurance today. However, you need to check out some typical inclusions and exclusions that you can find from this type of insurance. There are some important things that you need to know about your insurance plan. Each plan has its own terms and conditions for all customers.

What is Covered in the Travel Insurance?

There are some important things that are covered in the proper travel insurance plan. Most plans usually offer some incidents, for example medical expenses, baggage coverage, personal accident, dental treatment, trip delay, trip interruption, travel cancellation, passport loss, financial emergency assistance, hijack distress allowance, and many other important details. All of those incidents are covered by professional insurance companies today. You can read the terms and conditions of your insurance plan, so you can understand all inclusions in your travel insurance. All of those incidents are covered, so you can enjoy your vacation without any problems.

What is Not Covered in Travel Insurance?

When you take a travel insurance, you also know some exclusions from your travel insurance. Make sure that you check out some incidents that are not included in your travel insurance, for example drug addiction, pre-existing diseases, dangerous diseases, psychiatric disorders, radiation effects, and many other incidents. Those events are not covered because they are not related with your current travel event. Some travel insurance companies offer service that can cover all of those events. However, you need to pay for expensive premium for covering all of those events or incidents.

There are many other typical inclusions and exclusions from your travel insurance. You should contact some professional insurance agents to ask about their plans. Different insurance plans may have their own benefits, features, inclusions, and also exclusions. You should compare some available types of insurances before choosing the best one for yourself. Finding the right insurance is very useful to protect you and your families during vacation. You will never have to worry about getting any problems during your vacation. Make sure that you read all terms, conditions, and other related policies, so you can select the best insurance plan for yourself.

They are some important things that you need to know about your travel insurance. Make sure that you know all details about your insurance plan, so you can get all benefits from this plan. It is also a good idea to read some reviews from other customers. These reviews can help you select the right insurance plan for yourself. It is not difficult to find comprehensive travel insurance today. Don’t forget to choose the best insurance that is suitable for your needs and budget. When it is possible, you can take the family insurance plan for protecting all of your family members during vacation.

What Travel Insurance Details to Look For

By | Uncategorized | No Comments

Travelling can be quite an ordeal for some people, especially those who fail to properly prepare before they leave. Planning, packing, and organizing transportation is enough to worry about; when it comes to possible medical costs, thefts, or lost valuables, at least travel insurance is available to ease the stress.

Before you look for travel insurance, ready yourself to look at more than just the price. Cheap insurance might seem like a great way to save money. If something terrible does happen while you are away, an inferior policy might create problems for years to come. Find the right coverage for you, and be prepared to pay appropriately.

Even if you are leaving for your next trip soon, there should be enough time to organize suitable coverage. It is hard to choose the right coverage, so here is what to look for when choosing travel insurance:

  • Trip time limits. Some travel insurance policies limit the amount of days that you can be abroad. If you are away from home for any longer, the entire policy will be invalid.
  • Excluded destinations. Be sure to find a policy that covers every destination you plan to visit. This varies and it can become confusing, but you must know where you can go, and where you cannot. If you decide to make a last-minute change in your travel route, you might void your insurance plan without realizing.
  • Medical costs. This is a primary concern for most travellers. There is a range of plans that cover the costs of medical treatment you require while away.
  • Missing transportation. Most people have experienced a missed departure, but not all travel insurance policies cover this sort of mishap.
  • Dangerous or extreme vacations. Are you an adventurous type of person? Tourist destinations have some of the most exciting activities in the world. Before going horse riding, scuba diving, or bungee jumping, make sure that your travel insurance policy covers these types of risky activities. Some plans exclude activities they deem as “hazardous”, so check that you are covered.
  • Luggage cover. This covers your possessions, in case they are stolen, lost, destroyed, or damaged.
  • Treatment of belongings. Insurance companies expect that you will be reasonably careful with your own luggage, valuables, and other belongings. They might attempt to avoid payment if there is evidence that you were careless, or contributed to the loss or damage of your goods. As well as being careful, make sure you find a policy that suits your personal style of travel.
  • Alcohol and drugs. Sure, many people want to travel and partake in some social drinking, or maybe go further. If something should happen while you are under the influence of non-prescription drugs, or alcohol, many insurers will not provide cover. If you plan to go to a resort, or party destination where there will be lots of drinking, look for appropriate travel insurance coverage.
  • Personal liability. If you cause an accident that hurts others, some policies will provide coverage, making sure that you are not liable for damages and medical costs.
  • Cancellation. Sometimes trips must be shortened, or even cancelled. Some policies will cover costs of accommodation, or other travel expenses, that were paid in advance and cannot be used.

Travel Insurance; The Truth Revealed, What is Covered and Not Covered

By | Uncategorized | One Comment

Even the best planned vacations can disrupt your itinerary and cost you a lot of money. Insurance should actually be part of traveling budget- anything awful can happen while you are travelling, you may lose your luggage, you may get sick or you may get accident.

Travel insurance is meant to cover risks and address situation involved in travel. It provides coverage from the time you leave to the time you return to your country. For example, the insurance may reimburse you for any item or baggage that you may lose during your trip. This is particularly very important if you are carrying very expensive electronic equipment or jewelry, or you are planning to buy items of very high value such as local antiques.

Medical insurance tends to be limited to a certain geographical area, without travel insurance, you will have to pay for any medical treatment you get while abroad. This is not only stressful, but also very expensive. Imagine you have lost your baggage, you are sick and broke in a foreign country? If you are travelling in countries where there is real health risk, (such as West Africa with Ebola outbreak, or tropical countries where malaria is a real threat), travel insurance is very important.

It is also good to get insurance in case of accident. Most people deem travel insurance too expensive, but incase of accident in a foreign country, medical expense without travel insurance can result in a total financial ruin with ramifications that may last a lifetime.

If you are planning to drive outside your country, you may also need travel insurance. Many automobiles insurance do not provide protection outside the country you live. You don’t what to imagine the cost you can incur if you smashed a rental car in a foreign country! Remember, you are in foreign country with unfamiliar driving rules and unfamiliar roads.

Travel insurance can also be the safe net when in distress or distraught. Imagine if crisis hit the country where you do not know the city well, probably you don’t speak their language or you cannot locate the nearest emergency centre. When in such situation or any other situation requiring help right away, you can look at the travel insurance company, contact them for immediate help.

Travel insurance is also very important because it covers unexpected happens that may force your trip to be canceled. The policy may provide part or all the money spent on accommodations, plane ticket and any other expense, but what is compensated will depend on the policy. Travel insurance will help to lessen financial impact in case of cancellation. Travel insurance will also help in case of long delays.

Why take travel insurance while still covered by the regular insurance?

Many people think that their medical policies, homeowners’ credit card and automobile policies are very extensive that they automatically provide protection anywhere in the world, this is not always the case. It is good to take additional coverage provided by travel protection. Travel insurance is the only guarantee, you can take your vacation with a peace of mind.