I'm off into the big wide world in Oct and been swamped with all the different insurance policies out there. I know know avoiding the dirt cheap ones is probably a good idea, so have seen quite a few different policies for a range of prices.
Not planning on jumping out of planes everyday so don't need anything too adventurous and only need a mid range sort of cover. They make it so difficult to understand what there actually covering you for in the first place!
If anyone has any feedback about some in particular, either good or bad, or some advice it would be really useful.
Also, will probably spending a month in Fiji and a month or two in Thialand, so should I get extra cover for this or get a worldwide policy?
World Nomads is meant to be the backpacker travel insurance company, but from what I have heard they will make your life very difficult if you need to claim for anything that gets stolen. Maybe someone else reading this who has used them will be able to give you first hand stories of claiming with World Nomads.
On all travel insurance policies be extremely careful with what they cover in regards to electrical goods and when they don't cover those. You may find the maximum coverage is less than even your digital camera would cost to replace so you'd need to pay extra for that bit of extra coverage. I paid for extra coverage for this and then when I had my camera stolen as if it weren't bad enough losing a lot of photos, but to hurt me more they didn't even cover the darn thing because of the fine print in the policy which made the way it was stolen come under the exclusions.
Each policy will have various option regarding the areas of the world which are insured under the certain policy types. Seeing you aren't going to USA you most likely wont need to take out the most expensive of the policies, but just check what type of policy your chosen destinations fit under because you may need the worldwide policy or you may find one with your destinations that isn't a world wide one.
[ Edit: Edited on Aug 6, 2007, at 6:02 AM by aharrold45 ]
hi there i have recently had the same problem loads of companies out there, i think i have opted for staysure in the end, i seems you can get a good policy with all the extras for the same price as the rest with no extras check it out.
Try the BMC (British Mountaineering Council). I took partner & 2 kids RTW for a year and their policy was half the price of the average, yet I spent days combing the fine print and couldn't find the catch. They even included the possibility of riding a motorbike/scooter, which not many do.
Also, check out the 'repatriation' section. This means getting you home in the event of serious illness, but some companies will fly out a relative to travel back with you - a nice thought if you're in that position (horizontal, most likely!)
I booked my return flight to London through flight centre and bought travel insurance through them. I'll be staying with family and have an EU passport so I'm alright.. My insurance (basic) cost me $355.. The full cover was about $500..
Hope this helps