Who Are The Best Travel Insurance Companies – How to Choose the Best Travel Insurance for Travelers and Digital Nomads in 2022 (Top Tips & Insurance Companies)
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Who Are The Best Travel Insurance Companies
One of the most common mistakes travelers make is to avoid buying travel insurance because they think it’s an unnecessary expense that takes away from their travel budget – but that’s not true!
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If you incur additional costs due to flight interruptions, delays, lost luggage, unexpected injuries or many other mishaps, it will be cheaper. After all, traveling abroad is unpredictable and there can be so many things you want to protect yourself from.
If you ask me, you should look into travel insurance, it’s a small cost compared to the total costs of your trip that you’ll be covered for!
Well, because I answer these questions and more in this post, so YOU can use the best plan!
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Travel insurance is a type of plan that protects against unforeseen risks and losses that may occur while traveling internationally or domestically. The aforementioned risks and losses are insignificant (
Note the word “unexpected,” which refers to things you didn’t anticipate – or things that are simply out of your control. . So, in a way, you can think of travel insurance as the ultimate emergency cover for your trip that will save you a lot of money if, let’s say, “sh*t happens.”
That’s why many travel insurance providers have different plans with different coverages, so it’s always important to read the fine print to see if their policy fits your travel needs and itinerary.
As long as I didn’t have any accidents or serious injuries on those trips…otherwise I would have spent hundreds if not thousands of dollars on medical bills alone!
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There was actually a time when my laptop was stolen… and if I had purchased travel insurance, I could have recovered the cost of that gadget!
Of course, I don’t want to push my luck anymore; ever since then i have made it a point to buy travel insurance to travel around the world.
Besides, we buy our car and home insurance, so why not buy insurance as part of your travel planning? We are not invincible and we are not always happy, so…
You can be the strongest or the most cautious person on the planet, but nothing can prepare you for the unfortunate events that will take a big hit to your bank account or threaten your life! You can get into a car accident, break your leg, contract malaria or some other deadly virus, have all your belongings stolen, and so much more… these.
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In addition to family and friends, I have met many travelers who have shared with me how having the best travel insurance has helped them tremendously!
SafetyWing was founded when three Norwegian friends wanted to develop a comprehensive insurance product for frequent travelers.
To date, they are one of the best travel insurance companies and all their policies are offered through their partner, Tokio Marine HCC-MIS Group (
As an alternative to the two travel insurance companies above, HeyMondo is your best option if you’re looking for comprehensive coverage for medical, COVID-related and travel related issues – and it’s also accepted by most embassies and consulates.
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, I can see myself buying more HeyMondo policies! Especially with the threat of a pandemic, I feel safe knowing that HeyMondo has my back for a lot of things.
You may have heard of world nomads; After all, this is a company that was established in 2002 and has since been recommended by many travel companies and individuals. In fact, I’ve bought travel insurance from them for the last few years – until they changed their policy for Filipinos or Filipino nationals a few years ago
After learning about SafetyWing, I realized that World Nomads was much more expensive, especially if I wanted to insure longer trips. BUT of course I will admit that World Nomads coverage is much more extensive than SafetyWing, especially when it comes to activities and lost electronics.
It covers 50% (or 100% as additional policy costs) in case of theft, as well as total or partial loss due to the carrier, or damage due to fire or attack.
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Includes a LIMITED number of sports activities only (does not include adventure activities; check the fine print included in the basic plan or if there is an optional extra)
One toddler per adult or up to 2 per family aged 14 days to 10 years
Every 90-day period or 15 days out of every 90 days if your country is the United States
A few years ago, travelers paid little attention to the possibility of a pandemic whenever they looked at the fine print of their insurance policies, but due to the events of 2020, it has become a major concern and many insurances. providers have adapted to include it in their plans.
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All Heymondo plans cover medical care and COVID-19 expenses up to the policy limit ($100,000 to $10,000,000).
As noted above, World Nomad typically does NOT cover pandemics, but COVID coverage was recently added to their Explorer plan
For most nationalities – this is in addition to the World Nomads Travel Protection plan for US and Canadian residents, which covers COVID-19.
Most travel insurance companies aim to provide as much coverage as possible for their clients; however, as a business they also have limitations and their policies will have certain requirements or restrictions. That’s why I recommend that you ALWAYS read the fine print to find out why you’re covered.
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Some plans may suit your travel style better, while others may not – so try to choose wisely! To get you started, here are the standard features of the best travel insurance plan you can get!
Although most travel insurance companies have comprehensive coverage and policies, this does not mean that they will cover every accident, especially one caused by your negligence.
In addition to checking if the insurer is holding any promotional packages, you may be able to get a cheaper rate if you specify the region or country(s) you are visiting. In fact, excluding the United States, the plan is often cheaper. Alternatively, if you are a frequent traveler, check to see if the travel insurance company offers multi-trip or annual plans
Don’t worry! Insurers such as SafetyWing, World Nomads and HeyMondo allow you to purchase their policy plans even if you have already taken your flight. Read more about it here.
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Most insurers do not cover people over the age of 65; or if they are, they pay much more
You should check with World Nomads and HeyMondo as they carry these types of items. After purchasing a policy from them, I suggest you take a photo of your camera equipment with a date stamp. Also keep copies of their purchase receipt and serial numbers
You should contact your insurer as soon as possible, as well as the relevant authorities. Gather all the evidence you need to support your claim
First, ask your airline, as they usually have a policy that covers lost baggage. If they don’t have this, contact your travel insurance company instead. After confirming the loss of your luggage at the airline office, tell them you are claiming travel insurance and ask for the loss report number and other relevant documents. Next, collect all the evidence that shows you own the lost items
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. Don’t forget to keep your travel documents and airline ticket as proof. If you purchased a replacement item for the one you lost, keep the receipts as well.
To help speed up the claim process, it is helpful to have photos of these items printed with the date they were printed prior to your trip, as well as proof of ownership receipts.
First, contact your insurance provider first, as they may be able to recommend a facility or tell you which hospitals they may not cover.
(Please note that HeyMondo is the only insurance provider that can pay your expenses up front; you don’t need to file a claim later)
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. Be aware of other insurers you may need to file a claim with
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