Travel Insurance: What You Can't Afford Not to Know
World Nomads - All Nationalities
Insure & Go - UK
STA Travel - Premium
When planning a holiday, travel insurance is one of the things left till the last minute, but it's not something travellers can afford to get wrong! Researching travel insurance isn't as fun as planning the rest of your holiday so here are a couple of companies WR is happy to recommend for advice on travel insurance.
World Nomads has a reputation for looking after travellers at the more adventurous end of the market and provides a range of travel insurance policies for all nationalities, travelling for short or long periods, though all sorts of regions. Recommended by Lonely Planet, World Nomads is strong on covering medical and evacuation costs, as well as the more risky activities like swimming with sharks in South Africa, cave diving under the Nullarbor, or bungee jumping over Victoria Falls - these are not travel experiences to be under-prepared for!
For UK based travellers, Insure and Go offer simple, no frills, and good value policies for people wanting cover for the basics, as well as more tailored options for travellers planning a trip that's potentially more hazardous – anyone fancy glacier climbing? What we like about Insure and Go are their easy to use online booking interface, their great customer and after sales service (check out their customer testimonials and see for yourself), and those small but important details - like the ability to opt out of those annoying excess charges, as well as the fact that on their ski policies (and on all their annual policies, which cover you for 17 days skiing a year), they provide insurance cover for off-piste as well as on-piste skiing and snowboarding, as standard. World Reviewers are known with their often adventurous favourite skiing destinations: How does Heliskiing in the Himalayas, or on rocky fingers dusted with snow in Chile sound?
Last, for a slightly more expensive but 'gold bottomed' option, consider the Premier cover offered by STA Travel. Underwritten by Towergate Insurance, one of the best travel underwriters in the UK, this policy includes - not that you want to think about it too much - hostage and hijack cover and search and rescue, as well as travel delay insurance, repayment of up to £5,000 of your student loan, travel trade indemnity (in case your travel company or airline goes belly-up because, let's face it, the bonding arrangements do not always cover everything and look increasingly antiquated), and a whopping ten million pounds medical and repatriation cover.
Other things you NEED to know about travel insurance:
We've given you some recommendation on who to use, but there are some other simple pointers we've learned from experience that can make all the difference.
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