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Why you need travel insuranceSince I married I have become a lot more responsible, and travel insurance has become a priority. I travel  (a lot) and protecting my trips, my family, and my bank account are now a priority. It’s no secret I have put myself in some…um…compromising situations. From getting hit by a hurricane while out to sea off the Vietnamese cost, stuck in the middle of a Thailand lake in a metal open air boat during a thunder and lightening storm,  getting hit by a car in Japan (OK and Laos), to getting $500 stolen from my room in Sri Lanka. When you step out of your house Sh$# can happen and that’s why I recommend World Nomads Travel Insurance.

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Simple and Flexible

You can always extend your policy while you are away.

I like World Nomads and have a lot of respect for their product and for the fact they provide one of  the fairest deals for independent travelers. You can buy, extend and claim online even after you’ve left home. Recommended by Lonely Planet, World Nomads travel insurance is available to people from over 150 countries and is designed for adventurous travelers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

Travel insurance is not just to protect you if you get hurt and need to be hospitalized. It can protect you in the case of lost or stolen luggage and personal effects, trip cancellation, personal liability,  emergency dental treatment and evacuation back to your country of residence., or even the lost of your laptop or Ipad…gasp!

When choosing any travel insurance the best advice I can give is READ THE POLICY WORDING CAREFULLY. The last thing you want to is think you are covered and then find out later your not because of a stupid technicality. So, take a break, get out the coffee and read through the fine print.

A Few Travel Tips from World Nomads

Here are a few things to consider when choosing your insurance to make sure that you will be covered on your adventure:

  • Cancellation: It’s no fun if you fall ill before you leave and can not go on your trip. To claim though, you have to buy your insurance policy when you buy your trip. Not all insurance policies cover cancellation, so please read the policy wording relevant to you carefully.
  • Lost or Stolen Gear: most travel insurance policies have a per-item value limit – make sure its high enough to cover your gear or choose a policy that allows you to increase the limit.
  • Medical expenses over and above evacuation: check that your cover includes emergency treatment while away and transport to bring you home – remembering that insurance providers will usually insist on getting you home as soon as you are fit enough to travel.
  • Adventurous Activities: look carefully at what your policy covers – you may find that you are not covered to do all of the adventurous activities that you are planning while you’re away.
  • Personal Liability: Accidents happen. If it’s found to be your fault and someone decides to sue you, you want to be covered.
  • Is it safe to go there? Make sure you check the your Government’s Travel Warnings and keep up to date with the latest travel safety advice on the road. You may not be covered if you choose to go to a place affected by war, terrorism, civil unrest or environmental disasters (like volcanoes, earthquakes, floods) and other major events where you may be at risk.

5 Things you Should Know about World Nomads

  1. Who can buy it?
    World Nomads Travel Insurance is available to residents of over 150 countries.
  2. What if I change my mind?
    Had a change of travel plans? Unlike other policies, World Nomads is flexible and allows you to extend your policy while you are still traveling.
  3. What activities are covered?
    World Nomads cover most adventure sports from bungee jumping in New Zealand to white-water rafting in Colorado.
  4. How do I buy it?
    You can only buy World Nomads policies online using a credit card. To start, please choose your country of residence.
  5. How do I make a claim?
    With World Nomads Travel Insurance you can claim online even if you are still traveling. And if you don’t entirely trust insurance companies, have a look at how World Nomads have helped some of their travelers.

If you have made it all the way down here than you must really love reading about insurance! When I’m not cover by my work travel World Nomads Insurance is what I use and what I used even before I decided to promote their product. If you buy travel insurance with World Nomads through Todd’s Wanderings you not only be protection yourselves but I will get a small commission and you can keep help keep the lights on.

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6 Responses to “Why I Recommend World Nomads Travel Insurance”

  1. Alex CookNo Gravatar says:

    I must say, it looks like they paid you off to create this post – I wonder if you’ll approve this comment.

    • Hi Alex, nope I didn’t get paid for this although this was an early attempt at generating some income through referral sales for a product that I use myself. I stopped doing things like this as I decided it cluttered up my site too much. But (like you comment) I try to leave everything up, the good, bad and critical.

      Thanks for stopping by.

  2. JeremyNo Gravatar says:

    I did World Nomad’s too. I thought the price was relatively affordable and the coverage was great. Never had to call in a claim, so I can’t say too much on that aspect, but I always hear good things!
    Jeremy´s recent [type] ..Travel Site Review- Roomorama Apartment Rentals

  3. Todd WasselNo Gravatar says:

    what? you didn’t see the links? I will have to put them in bright blue, and underline them I guess ;)

  4. Do you have a link to this World Nomads insurance?

    Dustin Main – Skinny Backpacker´s recent [type] ..Photo Essay- Unreal Antarctica

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