Let’s talk about something super important – travel insurance. I know it’s not the most exciting part of planning your adventure, but trust me, it’s a total game-changer.

Why You Absolutely Need Travel Insurance

Travel insurance isn’t just about medical emergencies (though that’s super important). It covers cancelled flights, lost luggage, and those unexpected moments that can happen to anyone.

According to World Nomads, over 40% of claims are for medical expenses. That’s a lot of potential savings right there.

What Your Insurance Should Cover

Make sure your policy includes medical coverage – aim for at least $100,000 in emergency medical coverage and $500,000 for medical evacuation. The US State Department strongly recommends this.

Emergency dental (because toothaches don’t care about your travel plans)

Lost or stolen belongings (especially important for solo travelers)

Trip cancellation and interruption

Adventure activities (if you’re planning any exciting escapades)

Common Pitfalls to Watch Out For

Pre-existing conditions aren’t always covered. Check InsureMyTrip for policies that do include them.

Some policies won’t cover electronics – super important if you’re working remotely or bringing camera gear.

Alcohol-related incidents usually aren’t covered (keep this in mind for those beach parties)

Some countries require specific coverage levels – particularly during these interesting times.

Smart Shopping Tips

Book your insurance as soon as you book your flights. Compare Travel Insurance has some great tools for this.

Read the fine print about adventure activities – some policies consider horseback riding “extreme sports”

Check if your credit card already provides some coverage. The Points Guy has a great breakdown on this.

Consider annual policies if you travel frequently – they often work out cheaper.

Emergency Contacts Are Everything

Save your insurance company’s emergency number in multiple places.

Keep digital and physical copies of your policy.

Share your policy details with family or trusted friends.

My Personal Take

I’ve learned that good travel insurance is like a trusted companion – always there when you need it most. Don’t skimp on this. The peace of mind is worth every penny.

Happy and safe travels, 

Jane