World Nomads, a travel insurance company and a whole lot more!
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by: Christine Zafra
World Nomads, from the name itself, is an online travel insurance company. You can have an online quotation in their website if you wish to compare prices. Once you enter their website, you will have to choose which country you reside in, your supposed destination, specifics of the travel (whether international or domestic flight), the time your policy starts until the end date and your chosen type of policy (single or family).
World Nomads claims that they offer at least 50% off travel agent prices. True! Since for a six month coverage, it’ll only cost you about $240.00. Plus, they’ve got great services in their website. You can download an mp3 guide of the major languages of the world (for conversation purposes) and put it in your iPod! Are there any deals sweeter than this?
Photo taken from http://www.decentlyexposed.com.au
Buying Insurance Online
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If you’re purchasing a trip or flight online, and you are offered the option to purchase trip insurance or trip protection plans, please be sure to read the fine print, or find out all you can about the coverage. While travel insurance can cover a variety of risks, such as medical expenses should you be injured or get into an accident during your trip or loss, theft or damage to your baggage and personal possessions, there may still be some strings attached. There are some factors an insurance company might require to be present before they accept your claim. For example, while some travel insurers cover the reimbursement of trips you cancel, they will usually only due to this if there is a valid reason, such as death or hospitalization of an immediate family member. Canceling a trip because your leave request was not granted will usually not be honored.
Some policies also commonly exclude pre-existing medical conditions, injuries or flight interruptions due to war or terrorism, pregnancy related expenses or injury or illness caused by alcohol or drug use. Usually too, you can only purchase travel insurance during the purchase of the trip itself, not after.
Annual Travel Insurance?
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Image source: www.italylogue.com
One type of travel insurance is called annual travel insurance. It’s not for everybody, but it can save you a lot of money if it meets your needs. Annual travel insurance is just like all other types of travel insurance except that it covers all of your travels for an entire year instead of only covering one trip. This type of insurance is perfect for people who travel several times throughout the year.
There are many benefits that come along with annual travel insurance. For starters, the premium for annual insurance is much lower than that of several single-trip insurance plans. There is also less hassle. You only have to purchase one plan instead of purchasing a plan each time you travel. All in all, annual travel insurance is a great deal if you do quite a bit of travelling.