Travel Insurance: Everything You Need to Know

If you plan on traveling anytime soon, you will need travel insurance. It’s the most important thing you need. Most health insurance plans don’t cover you when you travel.  You never know what might happen, so it’s best to purchase travel insurance to not only cover trip cancellation and delays but also in case you become ill or get injured. It’s not just about seeing a doctor while you’re traveling, but it could save you thousands should something go wrong.

For our travel club trips, a minimum of $200,000 in emergency medical and evacuation, including repatriation, is required to participate in any of our small group trips. 

Here’s a few things you need to consider when choosing an insurance provider:

Pandemic Related Tips

✔️  Make sure that you are covered in case you happen to contract COVID-19. Some insurance providers may view this as a foreseen event and it may not be covered. In other words, the company could say that you should have known about the potential risks but still chose to travel, so the cost of travel and its consequences are on you. We recommend checking with your insurance provider about the “known” or “foreseeable” status dates of the coronavirus outbreak and how this might affect your specific coverage.

✔️  Sudden travel bans and unexpected quarantine requirementss can also derail your trip. Buying cancel foron  any reason coverage will give you some reimbursement no matter what your reason for cancelling. 

✔️  It’s important to note that trips made to countries with a COVID-19 travel ban are excluded from most coverage, so it’s important to be aware of any travel restrictions associated with your intended destination. The State Department advises all US citizens to review country-specific travel advisories and to check the Centers for Disease Control and Prevention (CDC) website for the latest news and restrictions.

✔️  Some travel destinations have medical coverage requirements for incoming travelers. Be sure to confirm the medical coverage requirements you’ll need for your destination before you buy a travel insurance plan.

Other Plan Benefits to Look For

✔️  Your insurance plan should cover you in case you get sick or injurred and need to see a doctor. 

✔️  It should also cover any of your baggage and personal items that get broken or stolen. 

✔️  Trip cancellation due to injuries, weather, hurricanes, natural disasters, and terrorism. 

✔️  Travel delays and missed connections.

We Recommend - World Nomads (for Travelers under 70)

You can buy and claim online, even after you've left home. Travel insurance from is available to people from over 130 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

7 things you should know about travel insurance from

  1. 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.
  2. Value for money with the cover you need provides cover for what's important for travellers from over 130 countries. By focusing on what you need and leaving out what you don't, World Nomads prices are some of the most competitive online.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. Commitment to exceptional customer service
    We 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.
All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

Other Travel Insurance Providers We Trust

Insure My Trip (for Travelers over 70)