Travel insurance is one of the things that you can easily forget when you’re planning your next trip, and I get you because I’ve travelled in Europe without travel insurance so many times. AND, I found it annoying every time you try to book a flight and the airline’s pop up window tells you “travel insurance” pay extra X money to get it!
However, it was a couple of months ago when I was planning my trip to New York, and to be honest, I hadn’t thought about insurance, but my boyfriend told me how important it was.
He told me that I wouldn’t be covered if I was sick in the USA or if the airline lost my luggage!
That’s what actually put me over the edge and made me get travel insurance, despite the fact that he asked me (at least ten times), have you looked at insurances yet?
I used to think:
- Nothing would happen to me when I’m away.
- I’m a European citizen and If I travel to any destination in Europe, I’m covered in case of health problems so I didn’t need insurance.
Why is important for European citizens to have insurance when travelling within Europe?
If you’re a European citizen, apply for the European Health Insurance Card (EHIC) which is free! It covers you for temporary stays in hospitals at a reduced cost in any European destination.
However, this card doesn’t always cover you. For example, it doesn’t guarantee free services since every country’s healthcare system is different.
This is why is important to have BOTH the EHIC and travel insurance despite the fact that you belong to the European Union and you’re travelling within Europe.
Beware that this card may not be available after Brexit if you’re a British citizen.
Why is travel insurance important?
If you don’t want to worry about what would happen if you lost your luggage or your trip is cancelled, you SHOULD get a travel insurance.
Travel insurance becomes even more important if you’re travelling to a non European country because you won’t be covered at all.
For example, there are countries like the USA where you have to pay for healthcare so imagine how much you’d have to pay if you get sick there!
Travel insurances cover you in many cases:
- If you lose your luggage
- If your flight is delayed (depending on the delay and insurance company)
- If you have any accidents
- If your trip is cancelled by the airline or an important reason
- If there are any natural disasters
- If you need to be sent home
It’s peace of mind in any situation!
Imagine you’re taking your new gear and all the expensive accessories, and your luggage gets lost by the airline company. Your travel insurance will compensate you for them.
OR your trip to Switzerland has been cancelled because of the weather. Your travel insurance will compensate you for it.
What things do you need to consider before buying a travel insurance?
Before buying any travel insurance, check what’s covered and what it isn’t.
For example, if you have a pre-existing illness, you should definitely look into whether you’re covered or not. Some travel insurances may not accept you if you have a significant chronic condition.
Companies offer you different options (i.e. basic, premium cover, etc.), so look at the options carefully and choose what suits you the best! Each option will tell you what things are covered and how much money you’d receive for any accident, flight delay, etc.
Consider the length of your trip! You don’t have to buy annual travel insurance if you aren’t planning to travel much. You can simply buy one for your 3 day getaway to Rome, for example.
Also, compare a couple of travel insurances before buying any. You can get a quick quote by entering some information such as the start and end dates of your trip, date of birth, destination, etc.
If you look for insurance on the company’s website, you’ll get automatically a quote.
However, if you look for travel insurance via a comparison websites, they normally ask for your email address to send you the quote (which it can be annoying because they’ll keep sending emails about travel insurance prices even if you haven’t bought any through them.)
Here are a couple of things that may vary the price of your insurance:
- Price and length of your trip
- Medical conditions
How do you claim on your travel insurance?
Making a claim is very simple! Most cases, you have to sign in their website, complete a small survey and attach documents to support your claim.
TIP: save all your tickets from transport, food, accommodation, hospital, etc. The insurance company will ask you for these types of documents to support your claim.
For both travel insurance companies::
- You can get a quote easily through their websites.
- You get 24/7 Emergency Assistance and they have a Multi-lingual team so you don’t have to worry about speaking a certain language.
- You can make an online claim on their website very quickly.
I personally prefer WorldNomads because it covers you in more circumstances and, like its name suggests, it’s more specialised on nomads.
Also, when you’re getting insurance with them, you can contribute for a good cause by donating a couple of pounds or euros for education, environment or water & sanitation.
Don’t think like I used to think! I don’t like thinking that something will go wrong during my holidays, but you always gotta be prepared for anything.
Luckily, I haven’t any major problems when I travelled abroad, however, If I had travel insurance I could have made a claim before.
My flight to Paphos was delayed for like 3-4 hours! I was disappointed and bored to wait in the airport.
You know when you are sat down with many people around you, you’ve already eaten, visited all the shops and duty free, etc.
Because of the delay, I arrived very late to my accommodation on my first day! If I had insurance, I’d have probably been compensated for that.
Be smarter and get travel insurance!
Also, remember to take your time looking at insurances and make sure you read the terms and conditions before agreeing on the insurance.
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P.S. If you want an authentic travel experience when you visit other places, download my Ultimate Guide to Travel Like a Local Wherever You Go for simple tips you can implement straight away.