Do I Need Travel Insurance?

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If you are planning any trip, and asking yourself ‘do I need travel insurance?’ the answer is YES!  Travel insurance for any journey abroad is absolutely essential, as so many things can (and do) go wrong on the road.  Having travel insurance to help pay the cost of lost and stolen items, medical bills and a whole host of other things can save you and your family a ton of money and heartache if the worst does happen.

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World Nomads provide travel insurance for travellers from all over the world and are an excellent choice to insure you and your belongings while you are travelling, providing one of the best travel insurance policies on the market.

Get your travel insurance quote now:

Why Do You Need Travel Insurance?

Every travel insurance policy is slightly different, but there are five general areas that travel insurance can cover for you.  Before buying any backpackers travel insurance, make sure you read the policy documents carefully to make sure it covers everything you might need, and check any exclusions that might apply.

These are the basic five things that travellers need to look out for:

Medical Emergencies and Evacuation

This is the biggie.  Medical bills in different countries can quickly shoot up to thousands of dollars, especially if you get stuck in the middle of the jungle and need a helicopter to airlift you to hospital.  Read the policy terms carefully to make sure it covers you for emergency medical treatment including evacuation and emergency dental treatment, and check the limits and exclusions of the policy carefully.  As morbid as it might seem, if something does go wrong you want to make sure that you and your family aren’t lumbered with sky-high costs to get you home.

Trip Cancellation

This part of the policy which can cover your costs if you have to cancel your trip due to illness, accident or death of a close relative.  Some policies will cover cancellation costs if you have to cancel your whole trip, others only cover you if you cut your trip short, so check the policy wording carefully.  Remember that you need to have travel insurance cover before you cancel anything, so buy your travel insurance sooner rather than later.

Baggage and Personal Belongings

When I had my laptop stolen in Ecuador I was very glad I had travel insurance!  Remember, to be able to claim on stolen items you need to show that you took reasonable care of them, so don’t leave valuables unattended on your hostel bed.  For high-value items such as sporting equipment, laptops, mobile phones and cameras, consider getting extra cover for these as there is a limit to how much the standard insurance will cover.

Add extra cover your Valuables if needed - Travel Insurance for Backpackers
Add extra cover your Valuables if needed – Travel Insurance for Backpackers

Personal Liability

If you are in an accident or accidentally cause damage and you are held accountable for it, some travel insurance policies can cover your liability and legal expenses.  This isn’t always the case though, so check the policy wording carefully.

Trip Interruptions

Most travel insurance ends as soon as you get back home, but some World Nomads policies will allow you to pause your insurance if you decide to come home for a while, and then resume your trip.  Read the policy wording carefully to check exactly what is covered, for how long and any exclusions

Things you should know about travel insurance from

Travel insurance: simple & flexible

One of the best things about World Nomads travel insurance is that you can buy and claim online, even after you’ve left home and want to extend your trip, or if you forgot to buy insurance in the first place! Travel insurance from WorldNomads is available to people from 140 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities so it is a great choice of travel insurance for adventurous travellers.

Trusted reliable underwriters is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.

Value for money with the cover you need provides cover for what’s important for travellers from 140 countries. By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.

Flexibility when you need it most

Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you’re already travelling.

Cover for a range of adventure activities

From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, covers a range of adventure activities, giving you peace of mind to get the most from your travels.

World Nomads keeps you travelling safely

All members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.

More than just great value travel insurance

All members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.

Commitment to exceptional customer service

I want to make sure you get the most from You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact directly.

Why Buy Backpacker Travel Insurance from World

Backed by specialist insurers and global assistance partners

Buy Online, even if you’ve already left home

Buy more cover and claim online while travelling

Covers a range of adventure sports and activities

Give a little back and support a community development project

No matter which insurance company you choose, travel insurance for backpackers is an essential part of your trip planning, so don’t scrimp on something which could save you a ton of money at your most difficult time.

Have you needed to claim on your travel insurance?  I’d love to hear your tips and advice for choosing travel insurance, and how it helped you.  Share your comments below.

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