There’s nothing worse than getting sick abroad. You’re already in a foreign land, immersed in a new language, culture, and government, and then boom–you get a foodborne illness from some bad horse meat (Or maybe it was the quail egg?)
Navigating the hospitals and doctors offices when abroad can be daunting, but the first step is having the right insurance. The last thing you want is to be sick and stuck with a massive bill! Fortunately, there are a number of great, affordable options available for expats, nomad, and travelers.
Moreover, travel insurance is not just medical insurance. It can cover lost baggage and flight cancellations too, among other things.
When you combine all these factors, there is one company that really stands out: World Nomads.
Here are few factors to consider when choosing the best health insurance for you:
Are you looking to skydive on your next trip? Well, World Nomads has covered for skydiving and over 150 other adventure activities. God forbid an accident happens, but with this insurance you shouldn’t have any worries. Don’t let a lack of insurance hold you back from having the time of your life!
World Nomads will offer cover lost gear. If you bring expensive photography equipment and it gets lost, World Nomads will at least partially reimburse you (depending on which plan you get you can get everything covered.)
World Nomads insurance has a 24/7 emergency assistance team. Any time you need immediate assistance they will be on call. Hospital visits and ambulance rides are covered too.
The team at World Nomads is friendly and responsive. They’re willing to answer questions even if you send it via Twitter. This convenience is crucial because when you’re in an unfamiliar environment you have to be able to quickly find your way through a crisis. With a responsive team this makes life a whole lot smoother when things go south.
World Nomads is one of the most prominent names in the travel insurance business. THey have endorsements from major travel companies like National Geographic and Lonely Planet, and well-known travel writers like Nomadic Matt.
Prices vary by the different factors involved in both your trip and you personally (i.e. age, country/state of origin).
You can expect a typical month to cost about $100-150 per month. For the ‘Explorer’ plan, which covers extreme sports and activities, along with higher amounts of coverage, expect to pay $150-200 per month.
Do you really need travel insurance?
It’s called insurance because it is just that–to provide you help in the rare event you might need it. Health insurance in the West is so out of whack because people go to the doctor for every little hiccup. With travel insurance that is not the case. People don’t want to visit a hospital in a developing nation, so they avoid it unless it’s an emergency. This makes the plans affordable.
At the end of the day, taking a risk and getting poor insurance, or low quality insurance may come back to haunt you. It’s best to pay a few extra dollars and get the top of the line quality care. When an accident happens in Colombia or Cambodia, you’ll sure be glad you had World Nomads.