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Travel insurance is one of the most important things you’ll need for your trip. You wouldn’t have a car without car insurance, a home without home insurance, and you can’t have a trip without travel insurance. Why? Travel insurance is worth getting because travel insurance is what will provide you with medical coverage when you get sick or injured, reimburse you when your camera breaks, your flight is canceled, a family member dies and you have to come home, if lose a bag, or something is stolen. It’s all-purpose emergency coverage and is the single most important thing you should get for your trip (but hope to never have to use). It’s the one thing I strongly, strongly advise travelers to never leave home without because I’ve seen it help so many – and so many others regret being cheap and not getting it! For only a few dollars a day, buying travel insurance a no-brainer. I used it for a doctor in Argentina, when my camera broke in Italy, my eardrum popped in Thailand, and my luggage was stolen in South Africa. Each time I was reimbursed for my expenses and was made whole again! Travel insurance was there when my friend had to be helicoptered out of the Amazon after he fell off a boat, when friend’s father died and she had to fly home, and another got her bag stolen. Travel insurance makes sure you don’t lose money and are always protected. (My favorite travel insurance provider is World Nomads. They always have my back when something like the above happens. I’ve been using them since 2003.) Since most health programs don’t cover you overseas and credit cards offer really limited protection, buying travel insurance is something you definitely need to protect against the unknown. After all, you don’t want to end up like my friend who didn’t have insurance when her computer was stolen and had to pay out of pocket for a new one. Right now, you’re thinking “What is travel insurance and do I need it?” And I am here to help. I’ve been writing on the subject for over ten years. Since travel insurance is one of the most complex, important and confusing aspects of trip planning, I want to break it down for you, help you understand what it is about, and show how to pick the best travel insurance plans in just a few steps: What to look for in a great travel insurance plan Insurance is a billion-dollar business, and everyone wants their hand in the cookie jar, thus you face a mind-numbing number of choices that can be confusing and overwhelming. And, often, in the fine print, you’ll find that plans aren’t as good as you thought. First, make sure your travel insurance offers a high coverage limit on your medical expenses. A good company will provide up to $100,000 in coverage care, though more expensive policies will cover you for higher amounts. The maximum coverage limit you can find is around $1,000,000 USD, though I’m not sure why you would ever need a limit that large. High coverage limits are important because if you get sick, injured, or need serious attention and have to seek professional care, you want to make sure your high hospital bills are covered. The worst thing you can do is go cheap and get a policy with a $20,000 coverage limit, break a leg, and reach that limit before they are done taking care of you. Don’t be cheap with your health. Get minimum coverage of $100,000. Second, you want to make sure your travel insurance policy also covers emergency evacuation and care that is separate from your medical coverage. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the hospital. If a natural disaster occurs and you need to be evacuated to somewhere else, your plan should cover that as well. This protection should cover an expense of up to $300,000 USD. Additionally, evacuation also should mean from the hospital to your home country. Standard emergency evacuation usually includes this provision, but it’s important you double-check a company will cover the cost of your flight back home if you need it. Third, great travel insurance plan will always include the following provisions: Cover most countries in the world Some coverage for your electronics (and have the option for a higher coverage limit) Cover injury and sudden illnesses Twenty-four hour emergency services and help (you don’t want to call to be told to call back later) Cover lost, damaged or stolen possessions like jewelry, baggage, documents, cameras, etc. Cover cancellations such as hotel bookings, flight, and other transportation bookings if you have a sudden illness, death in the family, or some other emergency Cover emergencies, strife in the country visited, etc., that cause you to head home early Have financial protection if any company you are using goes bankrupt and you are stuck in another country A quick note on electronics: Most companies only have a small limit, usually up to $500 USD, as part of their basic coverage. You can often buy supplemental insurance to get a higher amount of coverage. For instance, Clements Insurance offers special coverage for your electronics. Prices vary depending on the country you visit ($145-195 per plan). Moreover, many regular and home insurance companies such as State Farm offer insurance plans that can help you cover your electronics. Be sure to check if you find a travel with a lot of gear! What’s not covered by your travel insurance Know what is also not covered by your plan. Most policies do not cover: Accidents sustained while participating in extreme adventure activities such as hang gliding, paragliding, or bungee jumping unless you pay extra. Alcohol- or drug-related incidents, Carelessness in handling your possessions and baggage. You won’t get reimbursed if the problem happened because you were reckless (how “reckless” is defined is a matter up to each company). Pre-existing conditions or general check-ups. For example, if you have diabetes and need to buy more insulin, you won’t be covered. If you want to go see a doctor for a general check-up, you aren’t covered either. Cash Your theft coverage won’t cover you if you left something in plain sight or unattended. If civil unrest makes your destination unsafe but your government hasn’t called for an evacuation, you’re probably out of luck too. Travel Insurance Loopholes: What To Look For Even the best travel insurance have their limits. Often, in the fine print, you’ll find that plans aren’t as good as you thought. The medical portion of travel insurance is more about emergency care than being a replacement for your normal healthcare. A lot of people purchase travel insurance get disappointed when they find out they can’t go get an annual physical with it. Remember you will get what you pay for. Maybe you see two companies offer similar plans but one is really cheap? Why? Usually it’s because the devil is in the details and they could have smaller payouts, take longer to process claims, deny more people, or have so many rules in the fine print that it turns out you aren’t going to get paid when you think you are! Travel insurance is accident insurance. It is there to protect you in case of emergency and, if need be, get you home in a hurry. If you want a global health plan (because you now live in Beijing), you need a completely different type of plan.

Travel insurance is one of the most important things you’ll need for your trip. You wouldn’t have a car without car insurance, a home without home insurance, and you can’t have a trip without travel insurance. Every day the airlines have thousands of killer deals — from mistakenly published cheap fares to normal deals to slashed prices to compete with another airline. Cheap fares are out there if you know how to find them. 1. Ignore the myths There are many myths online about finding cheap flights. There is no magic bullet or one secret ninja trick. So let me first say: it is NOT cheaper to buy airfare on a Tuesday, there is NO evidence that searching incognito leads to cheaper deals, and there is NO exact date or specific time period in which to book your airfare. 2. Be flexible with your travel dates and times Airline ticket prices vary depending on the day of the week, time of year, and upcoming holidays. If you are going to fly when everyone is flying, then you’re going to pay higher fares. If you are dead-set on visiting Paris, go to Paris in the spring or fall when fewer people visit and airfares are cheaper. It’s always cheaper to fly during the middle of the week than on a weekend because most people travel on the weekends and airlines hike their prices then. Prices are also cheaper if you fly after a major holiday. Early-morning or late-night flights are cheaper because fewer people want to travel then. The difference of one day can mean hundreds of dollars in savings. 3. Be flexible with your destinations If you can’t be flexible when you fly, at least be flexible with where you fly. It’s best to be both, but if you really want to save the most money on a flight, you should at least do one! Airline search engines have made it really easy to search the entire world to find the cheapest ticket — you no longer have to search manually. When you are locked into one place at one time, you are stuck with whatever price shows up. No voodoo can change that. When you become flexible, suddenly the entire world opens up to you and you’ll find amazing cheap airfare! 4. Fly budget carriers Budget airlines now service many long-haul routes, making it possible to bounce around the world for little money. Norwegian Airlines allows you to fly between Europe and Bangkok for about $250 each way. WOW air is introducing cheap flights to Iceland and Europe from the United States for as little as $99. AirAsia offers crazy-cheap deals around Asia and Australia for as little as $100 each way. You can find even tickets from Bangkok to Kuala Lumpur for $30 USD. You can fly most of the way around the world on a budget airline! Whenever I am not flying a long, overnight flight, I fly these airlines as much as possible. 5. Don’t always fly direct Sometimes it’s cheaper to fly to London and take a budget airline to Amsterdam than to fly direct to Amsterdam. There are so many budget carriers around the world that taking advantage of a good deal to another city and then hopping on a budget flight to your destination is sometimes the best way to go. I had to go to Paris once; the flight was $900 USD, but I could fly to Dublin for $600 and get a $60 flight to Paris. It meant more flying time, but the $240 I saved was worth it. 6. Take advantage of student discounts If you are a student (or under 26), there are many, many discounts available to you. There are a lot of student discount codes out there, and travel agencies like STA Travel or Flight Centre can help find you a cheap ticket. 7. Search ticket prices as one person Don’t search for or buy multiple tickets in a single purchase. Airlines always show the highest ticket price in a group of tickets. For example, if you are a family of four and searching for four seats, the airline will find four seats together and show your fare based on the highest ticket price. So if seat A is $200, seats B and C are $300, and seat D is $400, it will price those tickets as $400 each instead of adding up the individual ticket prices. Therefore, always search for tickets as a single person. Afterwards, in the checkout process, you can pick your seats so you and your family are sitting together. 8. Book early, but not too early Airline fares will keep rising, but there is a sweet spot when the airlines begin to either lower or increase fares based on demand. Don’t wait until the last second but don’t book far, far in advance either. The best booking window is 6–8 weeks before your flight, or around three months before if you are going to your destination during peak season.

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