Travel Insurance

I always recommend evaluating how you are traveling and what you will be using; then check all your available existing options for insurance before paying extra for additional coverage. Are traveling by plane, will you be using a rental car, traveling in your RV, are you packing your camera gear or laptop with you? What if you lose your wallet, luggage is lost, or drop your camera while trying to capture that perfect shot. Or worse, what happens if you get injured, fall ill or someone back home passes away, and you need to interrupt your trip.

Too often we get caught up in excitement of the trip, forgetting the practical things we often take for granted. If you are injured or ill in a foreign country with no medical insurance how will you get care? Or worse yet, what if you have to be medevaced back to your home, it could be financially devastating.

I recommend you first check with any existing insurance carriers you have: medical, homeowners, renters and auto. Will your existing policies cover you while you are traveling? Next, check your credit cards. Most cards will offer you coverage for things like rental car accident coverage, trip interruption, medical evac coverage. Many also include lost baggage and stolen items as well.

My last couple trips I have been using WorldNomads, they were recommended by Nomadic Matt and have found their site easy to navigate and book coverage even when I’m on the run.

WorldNomads.com: They seem to be one of the most popular carriers and can handle the adventurous traveler as well. You can buy coverage online, even after you’ve left home. You can extend your coverage and file claims online while traveling. It is easy to buy and covers travelers from over 140 countries. Includes coverage for overseas medical, evacuation, baggage and 24-hour emergency support.

Clements Worldwide: Clements Worldwide is the leading provider of insurance solutions for expatriates and international organizations. Founded in 1947, Clements of­fers worldwide car, property, life and health, and specialty and high-risk insurance to clients in more than 170 countries.

Insuremytrip: Was the first online travel insurance comparison site and acts like a broker searching to find coverage and prices that meet your needs. They are one of the few sites for travelers over 67 to find travel insurance.

MedjetAssist: MedjetAssist is a domestic and global air medical transport membership program in the U.S.  If a Medjet member becomes hospitalized more than 150 miles from home and meets transport criteria, Medjet will arrange medical transport to the hospital of their choice within their home country at no additional cost. All the member pays is their membership fee.

Aetna International: Specialists in providing health insurance for expatriates, they understand the needs and preferences of people living abroad. They offer flexible and portable benefits plans that suit the unique needs of each individual. Whether you’re looking for a US style health care plan with full-coverage for inpatient, day patient, and outpatient care, or an international style health care plan with options that offer a range of coverage, from hospitalization to in and outpatient care as well as maternity and dental.

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