Should I buy travel insurance? This is an important question to ask yourself before setting off on your travels. Do Bell and I buy travel insurance? Not usually. Since we’ve lived in Europe for over 5 years we’ve often been covered when traveling to other European countries (In the Netherlands, but not currently in Ireland). When we’ve traveled outside Europe we’ve generally just rolled the dice on all travel insurance spanning medical, personal belongings and trip cancellation or interruption.
We usually give good travel advice, especially after the fact when we tell you what not to do. But due to lack of experience on this important but boring subject, we thought best to defer to a few people that know the topic better.
Buying Travel Insurance Tips
Here is a great post by NomadicMatt on what to look for and consider when buying travel insurance.
Basically, if you’re planning on surfing in shark infested waters, recreating an episode of Bear Grylls ‘Born Survivor’ or hitchhiking through Somalia, travel insurance is likely a great idea. Though we’re guessing if you’re not paying for transportation, you’re probably not going to pay for any type of insurance either.
But even if you’re just planning a tea party at your grandma’s house in London, there’s always a chance Jack the Ripper is lurking around the corner (he doesn’t mortally wound you, he just partially slays you and steals your passport and wallet). So it can be a good idea to play it safe, even if you’re just traveling for a ping pong tournament.
You should always consider insurance but don’t expect you will be evacuated home because you demand better care. Often medical evacuation only covers a trip to a nearby medical facility, say if you broke your foot repelling a mountain. Read policies carefully. But in general, travel insurance can provide you with better treatment in the off chance something happens, save you money, and perhaps provide some piece of mind if you’re the worrying type. It can also assist with financial setbacks in the event of trip interruptions, something that could happen anywhere, but even more likely to consider when traveling in developing countries.
Of course, you could also chance it and not get insurance and save hundreds on a lengthy trip. Your call!
And speaking of Bear Grylls….If you choose to watch this short video, we apologize in advance.