I dunno about you but when I was young, dumb (okay in fairness I was probably more naive than dumb), and broke, I would often sit there and think to myself, “Gee, is travel insurance worth it? Do I really need budget travel insurance?”
And because I had far less life experience than I do now, and infinitely less cash too, I would inevitably come to the ridiculous conclusion that nahh, travel insurance really isn’t THAT necessary.
I mean, what could possibly happen to me? I’ll just save the $200 and opt-out of travel insurance altogether since it’s a quick and easy way to save some cold, hard, cash.
Well, let me be the first one to admit that I was wrong, oh so very wrong. Because since then, I’ve learned from first-hand experience just how absolutely essential travel insurance really is. I mean, come on people. It’s on this wicked long list of travel essentials for women for a reason!
Plus, not gonna lie, I am a walking disaster of the most epic proportion. So, anything that can and will go wrong, will definitely happen to me.
Come to think of it, I’m actually kind of surprised that I haven’t fallen down a rogue well somewhere. Because without travel insurance, I’d probably have to rock out down there, impatiently waiting for none other than Lassie herself to come save me.
Maybe that’s because I’m beyond anal and actually use one of the best wheeled backpacks out there so that I don’t develop heinous beyond belief back problems.
So, if you’re still wondering, “Is travel insurance worth it”, then the short answer to that question that you’ll likely hear echoed over and over again throughout this post is yes, a thousand times yes!
Because as a full-time travel blogger, you guess it, I travel a lot. And I’ve gotten into more than one less than fun, super sticky situation where travel insurance was 110% necessary.
As a result, I know all about the incredible benefits of purchasing travel insurance and recommend that absolutely everyone and their brothers, sisters, cousins, nephews get travel insurance, or an amazing digital nomad health insurance plan, before they go anywhere, like ever.
However, if you’re still on the fence about it and are quietly wondering to yourself, “is travel t=insurance really worth the money?” then continue on my skeptical friend! Because this insanely detailed post will tell you everything you ever wanted to know about travel insurance, with detailed information on the two companies that I personally use for all my travel insurance needs.
That being said though, I do want to make it 100% clear that I am not an insurance expert and never will be. Yes I travel a lot and yes I use travel insurance all the time, but that doesn’t mean I sell insurance, know the ins and outs of every single policy out there, and can tell you exactly what is and is not covered with your plan.
Instead, I’m simply here to share my personal experiences with travel insurance so that I can help you make a more informed decision about what type of travel insurance you need for your next tri-->
Thank you for the really comprehensive post. I always buy an annual family policy – usually at least silver as this works out as a good balance between cost and cover. Covid has been a bit of a night mare. I bought my 15 month policy in June to cover 2 summers and knew that basic cover was provided for Covid but not a lot. Most insurers, including my own, now seem to be adding it for free for existing policies so I’m feeling a bit happier about next summer’s trip to the US from the UK. Although I’m still not sure if they cover the situation where you do not have Covid but have been told to isolate by school/track and trace. I’d be interested to know if you have found any policies which cover this?
We have a annualy travel insurance, and have had to use it a few times. Next to that we also have a cancellation insurance, which we’ve also had to use a few times.
Yeah. It’s difficult because it varies by policy and by where you are in the world. My best advice would be to do thorough research on each policy and ask exactly what they do and do nto cover with regards to coverage. I currently use Safetywing and I know some high-risk areas are not covered with regards to COVID. Good luck!
This is SUPER helpful! I never was big on travel insurance before but I definitely will be using it in the future after what we have seen happen with COVID. Thank you so much for sharing all of this information.
Happy to help and so glad you found this useful!