My next two months I’m hitting 4 countries, with another 6 in line for early next year already. I’ve never thought of buying travel insurance but after a friend got sick abroad, I figured at nearly 49, I’ve probably pushed my luck too far already.
When you are looking for travel insurance, you have more than one choice. A quick Google search will reveal many companies that offer travel insurance that includes insurance for the trip that you are taking in case of a hurricane or other type of disaster, insurance for lost bags, insurance for flight delays, insurance for illness when you are away, and my favorite, additional Comprehensive Car Insurance for rentals for when you have to drive on the wrong side of the road. Two companies that offer packages on travel insurance include World Nomads and TravelGuard insurance.
Travel Insurance: Should you or Shouldn’t you?
If you travel, its worth considering getting travel insurance. The type of travel insurance that you get will depend on the type of travel you plan on doing. Obviously, if you plan on only traveling a short distance by car, its not worth it to get travel insurance. If you are planning a world cruise, however, you are foolish not to get travel insurance.
When you are planning your next trip, think of all the ways that something could go wrong and have a plan to fix it, and for me on my world tour, travel insurance was my fix. If (we’re probably looking at a when by this time) something does go wrong on the trip, I can then recoup some of the money that I lost because of the mishap. Ultimately the decision is yours, but after spending a small fortune on this speaking tour, for me, it was way worth it. Think of it like this, the more expensive the travel plans are, the more you need travel insurance. This is especially true if you are planning on traveling out of the country and want to be sure that you are covered medically.
World Nomads vs. TravelGuard Insurance
The type of package that you choose will determine the type of coverage that you get for your insurance. Many people who choose TravelGuard insurance, which is one of the top names in the travel insurance business, choose the package that covers everything from lost bags to a missed flight connection. As well as being offered to individuals who are planning their own trips, TravelGuard is also offered as a bonus for those who book their trips with travel agents.
Both, World Nomads and TravelGuard Insurance offer packages that will cover just about anything when you are traveling domestically or out of the country.
World Nomads is a relatively new travel insurance company that operates online. You can get a quote for World Nomads insurance right online and buy your policy. That’s what I did and I popped for the most expensive option, which was still a bargain. World Nomads is a travel insurance policy that is geared towards those going on cruises, although it covers accidents, lost luggage and illness as well. You have more than one option to choose from when you pick travel insurance with World Nomads. You will find that the rate for World Nomads is comparable to TravelGuard insurance.
Both policies offer package deals that cover mishaps that can occur when you are traveling. World Nomads is a better package to get if you are going on a cruise as they have special cruise packages that are geared towards mishaps that can take place aboard a cruise, including illness. TravelGuard insurance is a more generalized form of travel insurance. The premiums for both of these types of insurance are comparable￼, although you tend to get slightly more coverage by way of baggage value when it comes to World Nomads.
The key point to take away: don’t go galavanting the globe without protection.