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Something I’ve learned the hard way while traveling over the years, is how you’re never really immune to disasters or random mishaps on the road, no matter how experienced of a traveler you are.
You could plan every detail, confirm all your information, and the universe will still find a way to politely
screw remind you who wears the pants in this travelationship.
Whether it’s insuring your personal items, covering the costs of any medical expenses, or not letting a natural disaster leave you out of a trip and the money you paid for it, having the right kind of travel insurance will save you thousands of dollars and a lifetime of headaches.
Those who read my post a few weeks ago, know that I’m in the beginning of a long, adventurous, and exciting few years of non-stop globetrotting.
And there was one thing I made sure was a priority other than my passports and visas, and that’s insuring myself with Allianz Travel Insurance.
While us millennials tend to live in this carefree mindset, we’re almost always the most accident-prone too. Funny how that works.
So I’m writing this guide to break down everything you need to know about getting travel insurance before your trip.
What does travel insurance typically include?
- Trip cancellation
- Emergency medical and dental coverage
- Lost/delayed baggage
- Trip interruption
- Medical evacuation
- Trip delay
- Terrorist incident
- Legal assistance
- Lost documents
- 24/7 customer service
No doubt traveling is an exciting endeavor we’re privileged to experience, but accidents happen and you can’t predict the future. Always better to be safe than sorry.
Choose a plan that matches the risk level and activities of your trip
If you plan on doing lots of adventurous activities (aka accident-prone shenanigans, lol) you’re more at risk for suffering an injury, which could incur some crazy medical expenses abroad.
Every few weeks I see a viral GoFundMe page vying for the sympathy and dollars of a young traveler who had fallen victim to a horrific accident and is now neck deep in medical expenses.
I promise I empathize, and they’re so tragic to read.
But it always takes just a few minutes before a person will comment, “Why didn’t they just have insurance?”
And it might come across as harsh, but again, we’re not immune to accidents, and we certainly don’t need to be at the mercy of the public every time we find ourselves in an unfortunate event.
Your local medical insurance may not cover you abroad, so you definitely want to look into options that Allianz Travel Insurance offers.
How much does it cost?
This will vary based on how long your trip lasts. You can get coverage for a fixed rate the first three days, for example, and then pay a daily rate after that. If your trip is prolonged for any reason, you also have a free extension to cover more days.
If you’re traveling long-term, take out the annual insurance policy, as that will save you more money in the end.
And always read the fine print of your policy so you’re aware of the process of filing claims and how to respond when you need to use it.
In simple terms, travel insurance is the most important thing to have in your carry-on, and it doesn’t even weigh a thing.
Also be sure to print a couple copies of your insurance to have handy, and store it with your passport to keep it safe.
Feel free to get a free quote below and don’t hesitate to ask any questions! I just started using this insurance myself, so I’m anxious (but not really) to see how well it saves me in the end when my clumsy@%$ inevitably slips on a banana and breaks my arm in Botswana or something!