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07-Sep-2019 11:02
Good insurance with loads of coverage is normally quite expensive: again the cheaper policies will not cover personal possessions, only medical costs (and with plenty of exceptions).
If you do have one or a number of valuable items, such as a top-of-the-line camera and lens(es), it can make more sense to not even try to have them covered on normal travel insurance and instead go for a specialist (camera) insurer, often with better terms and prices.
The stories are typically embellished or dramatic – otherwise they wouldn't be worth telling. Tails of essential impossible visas, cockroaches, contagious disease or lack of services in one part of the world gets spread to another.
However, the truth is that today during a trip around the backpacking heart lands of Southeast Asia, Latin America, Australia or Europe you are not going to be in much danger of Ebola, lack of banks, hardened rebel groups, squalid accommodation, impossible visas or (with a realistic budget) really much outside your comfort-zone.
Moreover many parts of Asia or the Americas are now just as advanced/civilised – if not more so – that the West.
It is all very difficult to know what is fact and fiction. With so much to take on board and so much trepidation when you may have have never travelled before it is no wonder that so much money and time is spent and wasted on jabs, pills, visas, insurance and general 'worry'.
Having total coverage is great and gives an excellent safety net should the worse happen, but if you just can't afford it go for more basis coverage (items 1 and 2) with low or no theft insurance. need to shop around yourself and at the very least compare the terms of the companies recommended on this page.
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Conversely even on more expensive policies, don't expect your US
Conversely even on more expensive policies, don't expect your US$1,000 camera/laptop to be fully covered unless you have made special measures for it.
Much of which is designed to part you from your money.
It seems everyone has a story to tell or advice to give about a friend who travelled or something they did (often long-ago when the world was very different place).
They offer a money back guarantee, cover the likes of surfing, diving, trekking and bikes (which many don't as standard) and you can buy from any country in the world.
||Conversely even on more expensive policies, don't expect your US$1,000 camera/laptop to be fully covered unless you have made special measures for it.Much of which is designed to part you from your money.It seems everyone has a story to tell or advice to give about a friend who travelled or something they did (often long-ago when the world was very different place).They offer a money back guarantee, cover the likes of surfing, diving, trekking and bikes (which many don't as standard) and you can buy from any country in the world.
,000 camera/laptop to be fully covered unless you have made special measures for it.Much of which is designed to part you from your money.It seems everyone has a story to tell or advice to give about a friend who travelled or something they did (often long-ago when the world was very different place).They offer a money back guarantee, cover the likes of surfing, diving, trekking and bikes (which many don't as standard) and you can buy from any country in the world.All this is useful and makes them worth checking out.One recommended and well-known insurance company is Columbus (sorry no USA), but new companies are always coming onto the scene like the excellent Globelink or Atlas. Overall the market is competitive with many providers trying to under-cut others, however sadly too few compare policies.
