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Why Travel Insurance Matters
In 2018, I took a leave of absence from my full time job to head out on an around the world back-packing adventure. Giving up my job meant no health insurance for a year. What started for me as filling that one insurance hole, finished up grateful I had purchased travel insurance when it covered delays to my flights, lost baggage, and even a fender bender in New Zealand.
Travel insurance isn’t just an extra expense – it’s a safety net that can save you thousands of dollars in case of emergencies. From trip cancellations to medical emergencies abroad, having the right policy ensures peace of mind so you can focus on enjoying your trip. Use this guide to find the best coverage for your trip!
Travel Insurance Comparison Table
| Feature | World Nomads | SafetyWing | Allianz |
|---|---|---|---|
| Best For | Adventure Travelers | Long-Term Travelers & Digital Nomads | Comprehensive Coverage |
| Trip Cancellation | ✅ Yes | ✅ Yes | ✅ Yes |
| Trip Delay Coverage | ✅ Yes | ✅ Yes | ✅ Yes |
| Lost or Delayed Baggage | ✅ Yes | ✅ Yes | ✅ Yes |
| Medical Emergencies | ✅ Yes | ✅ Yes | ✅ Yes |
| Emergency Evacuation | ✅ Yes | ✅ Yes | ✅ Yes |
| Adventure Sports Coverage | ✅ Yes (add-on) | ❌ No | ✅ Yes (add-on) |
| Pre-Existing Conditions | ❌ No | ❌ No | ✅ Limited |
| Trip Length Limit | Short-term | Long-term | Short & Long |
| Customizable Plans | ✅ Yes | ❌ No | ✅ Yes |
| Claim Process | Online | Online | Online & Phone |
| Price Range | $$ | $ | $$$ |
Use the links above to compare quotes and get the best coverage for your next adventure!
Travel Insurance Provider Reviews
1. World Nomads – Best for Adventure Travelers
World Nomads is a great choice for those engaging in adventure sports like skiing, scuba diving, and hiking. It provides excellent medical coverage and emergency evacuation, but pre-existing conditions are not covered.
Pros:
- Covers over 200+ adventure activities
- Flexible policy extensions
- 24/7 emergency assistance
Cons:
- More expensive than basic plans
- No coverage for pre-existing conditions
2. SafetyWing – Best for Long-Term Travelers & Digital Nomads
SafetyWing is a budget-friendly option designed for long-term travelers and digital nomads. It offers continuous monthly coverage but lacks coverage for adventure activities.
Pros:
- Affordable and flexible pricing
- Covers multiple trips
- Automatic renewal option
Cons:
- Limited coverage for electronics
- No adventure sports coverage
3. Allianz – Best for Comprehensive Coverage
Allianz is ideal for those looking for all-inclusive protection, including trip cancellations, delays, and medical emergencies.
Pros:
- Multiple plan options
- Covers pre-existing conditions (with some restrictions)
- Extensive global network
Cons:
- Can be pricier than competitors
- Adventure sports require add-ons
Best Travel Insurance for Your Travel Style
- Adventure Seekers: Go with World Nomads for coverage of extreme sports.
- Long-Term Travelers: SafetyWing is affordable and flexible.
- Families & Business Travelers: Allianz offers extensive protection.
Not sure which one fits your travel style? Use the links above to compare quotes and get the best coverage for your next adventure!
Travel insurance is an essential investment for any traveler. Whether you’re backpacking through Europe, working remotely in Asia, or going on a family vacation, having the right coverage ensures you’re protected from unexpected surprises. Click below to compare quotes and find the best policy for you!
Is travel insurance really necessary?
Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean.
Can I get coverage for pre-existing conditions?
Allianz offers some coverage for pre-existing conditions, while World Nomads and SafetyWing do not.
What if my trip gets canceled?
All three providers offer trip cancellation coverage, helping you recover non-refundable expenses like flights, hotels, and tours. However, coverage varies, so always check the fine print before booking.
Want to avoid losing money on flights? Learn how to book smarter and save with this guide!
Do I need travel insurance if my credit card offers some coverage?
Credit cards offer limited coverage, often excluding medical emergencies and adventure activities. Full travel insurance provides more comprehensive protection.
How do I file a claim?
Most providers allow you to file claims online, but Allianz also offers phone support.