I want to be 100% honest with you. Before I moved to the USA for the first time I never bought travel insurance. I was always convinced that nothing would happen. And if it does I’d just pay it off cash (make it raiiiin on these doctors).
Yea right! Next thing you know, I’m three months into my USA stay and have a jet-ski accident. A grain of sand gets into my eye and scratches it so badly that I can’t open it anymore. I’m taken to the doctors and need to pay $50 to get checked and another $500 for the treatment plus medicine. Ouch!
Thankfully, I was forced to get a travel insurance before applying for my VISA. But what if I didn’t?
The last thing you want to happen when you live abroad is to have to spend hundreds of dollars out of your own pocket for medical treatment. That’s money you saved for months to move abroad. My advice? Don’t take the risk and instead invest in your health and well-being. Choose the best travel insurance for travel and life abroad: World Nomads.
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World Nomads is the Number One travel insurance used by digital nomads, travel bloggers and backpackers all around the world. It’s repeatedly endorsed by seasoned travelers and companies such as Lonely Planet, International Volunteer HQ, and Nomadic Matt. And it has also been named top four budget insurance company for travelers by Reviews.com.
However, for us, the following points are the reason why we believe World Nomads to be the best travel insurance for travel and life abroad:
Trustworthy travel insurance
Even with regular travelers like you and me, World Nomads has a great reputation. Because it is backed by a number of specialist travel insurers who provide emergency assistance. Whether it’s before or during your trip, the emergency team is available 24 hours a day, 7 days a week.
Affordable travel insurance
World Nomads was founded by a traveler. That’s why the company specializes in providing exactly what travelers need. The insurance covers an extensive amount of events, which a lot of traditional travel insurers don’t. Great value for the price!
Adventure sports travel insurance
Another great advantage of World Nomads is that they cover adventure sports activities. So, if you like extreme sports like skiing, parachuting or water sports, with an increased potential for an injury you are fully covered. Here you can find a list of 150+ activities where World Nomads will take care of your trip and any medical bills.
Flexible travel insurance
Another thing I love is that World Nomads is fully flexible with regards to your application. In contrast to traditional insurers, you can still buy the coverage when you are already on the road. And, because they know that plans change, they will allow you to extend or shorten your insurance policy online whenever necessary.
Digital Nomads travel insurance
In addition, they also feature a specific travel insurance for digital nomads, that even covers your technological devices such as iPhone, Macbook, and digital camera. Perfect, for those of you that are location independent and travel with all their valuables. Amazing!!!
Charitable travel insurance
Last but not least, World Nomads believes in giving back to local communities. Way too often do we hear about the big insurance companies that enrich themselves. But this company is different!
As part of your travel insurance, you can choose to make a difference by funding a community development project. All you need to do is to commit to a micro-donation (you choose the amount), which will go straight to the project of your choice. In my opinion, that’s reason enough why World Nomads is the best travel insurance for travel and life abroad.
Why you need travel insurance
While I don’t want to scare you, I want to remind you that there are valid reasons why you need a travel insurance.
1. Medical reasons
No matter if you are from Europe where health insurance is mandatory or the USA, where it’s not. Medical care is not cheap! Just because you might not get the actual bill send home, doesn’t mean it’s something you can easily pay off.
An overnight treatment abroad can easily cost you $500 USD. And will require an advance cash payment if you can’t prove that you possess an international travel insurance. If something serious happens, you want to be sure that you can afford an international hospital where people speak English and you receive the best care possible.
Finally, if you ever get into a life-threatening emergency somewhere off the beaten path, you will need to be evacuated to a capital city that has an internationally approved hospital with high standard medical care. Such evacuation will cost you at least $25,000USD, which I kinda feel like you might not have in your back pocket.
So, put your pride and stinginess behind and get the best travel insurance for travel and life abroad: World Nomads.
2. Theft, loss, and damage
This is what really got me to choose World Nomads for my next travel adventure. They don’t just cover my medical insurance abroad, but also my valuables. There is nothing worse than having to deal with multiple insurance companies for different things. World Nomads gives you the option to ensure your personal belongings in the event of theft, loss or damage.
3. Flight/Trip delay and cancellation
In contrast to other travel insurances, World Nomads even covers your costs if your flight or trip is canceled/ delayed by a force beyond your power. No matter if you are injured, there is a natural disaster or the company goes broke, World Nomads reimburses your prepaid expenses.
Events World Nomads travel insurance does NOT cover
Like any other travel insurance, World Nomads does not cover everything and has clear guidelines in place. Therefore, it is very important that you read your entire insurance policy carefully, especially if you haven’t purchased the additional premium plan.
Refer to these pages to find out what is not covered with regards to your travel insurance for:
- Medical coverage
- Adventure & Sport activities
- Delayed and missed flights
- Trip interruption and cancellation
- Valuable items
Planning your next trip and need travel insurance? Get a quote HERE!