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Wednesday, June 7th
Is there travel insurance for people who want to work remotely from around the world? Insured Nomads says "yes" . While you can also get an affordable, traditional policy here, this company has numerous options that can cover extended travel, multiple trips within a year, and also long-term medical insurance abroad. It's still too new for Insured Nomads to have much feedback from clients, but what we've seen so far is very encouraging and we invite you to see if their coverage is right for your travel plans.
From the name, it's easy to guess that World Nomads is geared towards globetrotters: remote workers signing on from the beach or the mountains, backpackers taking that once-in-a-lifetime adventure, and so on. In theory, that's fantastic - but in practice, customers say that they couldn't count on World Nomads to deliver when it was time to make a claim. We recommend that you look at other sources of non-traditional travel insurance before getting a policy through World Nomads.
With daily news stories of delayed and canceled flights, lost baggage, and travelers stranded overseas in the middle of a natural disaster, it's easy to see why travel insurance is so important. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the price for the protection it provides.
Have you ever thought that this coverage was just an unnecessary, added expense? That's fairly common: most people assume that they've got protection through their credit card company, their regular health insurance, even their homeowners' policy. In some situations, that may be accurate - but unless you know the details of those types of coverage, you're more likely to be left paying out-of-pocket expenses you thought were taken care of... but aren't included.
And, even if you do have that kind of protection, travel insurance policies can amplify your benefits. For example, if you choose a plan that offers $500,000 in primary medical coverage, you might not need to touch your regular health insurance: your bills will be reimbursed up to that amount, no matter what your everyday health plan includes. Car rental insurance can go above and beyond what's paid for by your credit card company or even your own vehicle's coverage - and that can be critical if you're driving in another country and have an accident.
What type of travel insurance do you need? Naturally, that depends on your trip, your travel party, and your budget. A single-trip policy will be more affordable than multi-trip coverage - but if you're traveling internationally more than once in a year, the annual policy becomes much more economical. Do you need to be able to cancel for any reason? Is it important to you to have a waiver of the pre-existing conditions exclusion? Are there any children under 18 in your party that might be included at no extra charge, depending on the insurer you select? These are all factors that will influence your decision when picking a travel insurance plan.
Confused yet? You do have a lot of options. Here are some criteria to help you sort through them and ultimately wind up with the travel insurance coverage you need:
To help you get the protection you need on your next adventure, TopConsumerReviews.com has evaluated and ranked today's most popular sources of travel insurance. We're confident that this information will make it easy to protect yourself and what you've spent on your trip - and to have backup if something goes off track on your journey. Bon voyage!
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