When we first started to plan our backpacking journey, travel insurance was the last thing on our minds. We were too busy thinking about our passports, visas, leaving our jobs, selling our house and everything else you could think of when you decide to leave the country for 6 months. We still have the mentalities of young millennials who don't really think about going to the doctor until they are coughing up blood. Now having purchased travel insurance I can say it is probably the most important item we purchased for our trip.
As we did more research into backpacking for an extensive period of time and reading about what we would need for our trip, we started to come across mentions of travel insurance. Travel bloggers, such as Nomadic Matt, highly recommend travel insurance regardless of the length of your trip. Even when we read this we still didn't pull the trigger on purchasing travel insurance. It wasn't until we spoke to the nurse who administered our vaccines at Passport Health did we decide to get travel insurance. She told us a story of someone who she knew who didn't have insurance and had to pay for emergency hospital care while they were traveling overseas. Major bucks. Considering that I would be suspending my medical coverage provided by my employer and planned to go hiking, snorkeling, surfing, etc. while traveling, we thought it would be a good idea to purchase the travel insurance.
There are many travel insurance companies out there but we landed on World Nomads. World Nomads comes highly recommended by many travelers. Here are our reasons for choosing them:
I wish I could sit here and tell you that I wasted my money and never needed the insurance. However, if you know us then you know it's a good thing we decided to purchase insurance because I ended up losing my GoPro Hero4 in Mexico. Fortunately, I imported all the photos from the memory card to my computer days prior to losing the camera. After getting over the initial frustration and anger I remembered I had insurance. I submitted my claim online along with copies of my receipts for the camera and tickets to the park. After I exchanged a couple of e-mails with a customer service representative, I recently checked the status of my claim and happily found that I would be receiving a check for the full amount of my GoPro. I wish I had never lost it but it's nice knowing that I was covered and that the process to submit a claim was very easy.
So there goes my experience purchasing travel insurance and putting in a claim with World Nomads. Something that I thought (and hoped) we would never have to use but on this trip it proved a great decision. We've never purchased travel insurance before but you can bet we will from now on.
Travel Insurance is like a condom; better to have it and not need it, than need it and not have it
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Traveler. Blogger. Amateur Photographer. "Life is either a daring adventure or nothing at all." - Helen Keller.