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How to choose the best travel insurance for 2022: What is the best deal?




How to choose the best insurance companies for travel insurance

Best insurance companies, travel insurance, insurance policy, medical insurance, life insurance, should be synonymous with the travel plans of a backpacker. There is quite a number of best insurance companies to consider as a world traveler. As much as there are positive reviews for companies out there, there are negative reviews, therefore ensure that you choose the one that is suitable for your own needs. Globe trotters spend an enormous amount of time traveling the world, away from their homes, that is if they even have homes!

travel insurance, global travel, medical insurance, life insurance
Your travel insurance should cover all the travel activities you will undertake. image by Frank from Unsplash

What to look for in your policy as a globe trotter and which travel insurance you should consider

Read your insurance policy

It is pointless to constantly depend on reviews that may or may not be reliable. Some users may have taken the wrong policy or had not done their research on the type of coverage that suits their needs. When they discover the insurance is not suitable for their travel needs, they leave negative reviews instead. World Nomads and IMG are amongst one the best insurance companies for backpackers but their policies are not exactly the same. IMG is suitable for family trips or low-key travels while Nomads is most suitable for single travelers but this will not mean that IMG should not be considered by individuals.

Align your insurance coverage to your travel plans

If you are an active traveler and part of the activities are more adventurous ones such as gliding, paragliding, or bungee jumping, ensure that these are covered in your policy. World Nomads is suitable for more adventurous sports, they have a list of activities they cover. IMG only covers you for simple activities unless you have to upgrade your policy or pay extra. Make sure that all the activities you are going to embark on will be covered, including life insurance.

Will you be covered in the country you are traveling to?

Different countries have different sanctions for travel insurance policies, select the one that suits your global travel plans and the places you are traveling to as a backpacker. World Nomads operates in more than 150 countries around the world. IMG is suitable for exploring the U.S and some European countries, while it is not clear on other regions and countries.

travel insurance, life insurance, insurance policy, trip insurance
Can you do claims online in between on your travel adventures? Photo by Helloquence from Unsplash

Can you file your claims online?

This is a golden question, especially for backpackers. You need insurance that will allow you to file your documents online while on your travel adventures, not to wait until you get back home. Choose insurance that is tech-savvy. World Nomads and IMG have these options.

There are many other factors to consider in selecting the right travel insurance for your specific travel needs. Remember that travel insurance is focused more on unforeseen circumstances, choose the one that will help you get home safe too! Medical insurance while on these trips should be a bigger part of the plan.

Conclusion: Do you need travel insurance? Of course, it’s really mandatory! Don’t go on the road without being insured. Choosing travel insurance is a decision that requires a careful analysis of your own needs, rather than just an analysis of the available budget.
Insurance is a useful financial product if it actually benefits the beneficiary, which means that when the risk occurs, the insurance comes to the aid of the insured and covers part or all of the unforeseen expenses generated by the event. When planning a trip, no one wants something to go wrong, but there are events that we cannot program or predict.
The risk is, through definition, unpredictable, even in the case of the most thorough planning.

Bon Voyage!


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