Travel Insurance

Buying the proper travel insurance is important before you go on vacation. You must ensure you have the right travel insurance for where you go and know exactly what your travel insurance policy covers. Otherwise, you may pay lots of money if things go wrong.

Travel insurance covers financial losses caused when traveling abroad. Depending on the policy it can cover lost of baggage, theft of personal staff, medical costs and delayed flights.

Buying travel insurance from an agent or the tour operator seems to be the best solution. However, it can not give you the best deal, because tour operators pay relatively high amount of insurance premium taxes.

Trip cancellation

This covers you for costs if you suddenly find you can't go on your trip for some unforeseen reason such as illness, an accident or a death of a close relative. The important thing to remember here is that for this section to be useful, you have to buy travel insurance when you start booking tickets and not the week before you leave. Not all travel insurance plans cover cancellation, and only some cover your non-refundable, pre-booked costs if your trip is interrupted after you've left home, so please read the description of coverage (policy wording) relevant to you carefully.


 Types of Coverage
For each type of insurance that follows, I've outlined some of the key legalese. But be warned - these are only guidelines. Policies can differ, even within the same company. Certain companies and policies have different levels of coverage based on whether you purchase the car rental, hotel, or flight directly on your own or through a travel agent. Ask a lot of questions, and always read the fine print to see what's covered
Baggage & personal belongings

While loss of your personal belongings is often the main reason most people buy travel insurance, it is arguably the least important: your things can be replaced but your health often can't. World Nomads expects you to take 'reasonable care' of your belongings which means a claim may be denied if you leave your camera in a shared room in a hostel or in your car overnight (unsupervised in a public place) and it's stolen.

If you are taking your laptop, camera and other valuables with you, some of our travel insurance plans allow you to specify these items to cover their higher value. Check your policy benefits and description of coverage (policy wording) carefully for the limits on this cover and exclusions, particularly for cash, high value items and
sporting equipment.



INSURANCE

LIFE INSURANCE

TRAVEL INSURANCE

PET INSURANCE

HEALTH INSURANCE

CAR INSURANCE
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