I'm planning on travelling around in Oz in the not to distance future. I have most things worked out . But the travel insurance is kind of confusing me ,now i've found a quote from this place http://quote.travelinsurance.co.uk/B...s/compare.aspx
Now this looks pretty good , covers all the requirements looking at going with the silver option.
Now my concern is at this place http://www.worldnomads.com/purchase/index.aspx its about £100 more. NOw I'm willing to spend the £100 on the cover but I don't want to spend £100 more just for "peace of mind". I don't need cover for electrical items.
Anyone shed any light or give me any advice??
Insurance is always a tough one! Travellerspoint is partnered with World Nomads, so I'm not really objective here, but we chose WN based to a large degree on the great feedback we'd seen here on the forums before starting to work with them. Also Peter and one other member that travels a LOT used them on several of their trips and had great things to say. That's not to say the other one isn't good, but you rarely hear insurance companies talked about in a positive way....
The main thing I'd look closely at in terms of coverage is your luggage and what both policies cover. Specifically things like laptops, phones, ipods etc. are often not covered or covered with a really low amount (electric equipment often takes up a certain max percentage of a total luggage coverage). Luggage is one of the most expensive parts for an insurance company to cover for backpackers because they tend to travel long and stay in hostels, so this is usually where big differences in price can be explained. The other is obviously medical treatment, especially if you are travelling to the US. In these troubled economic times, the finances of the insurance underwriter might be another consideration. If the policies are pretty much the same as far as you can tell, then I'd probably go with the cheaper of the two myself as well.
If it helps, you get 6% discount if you use the following code when buying World Nomads insurance: WNTP6, regardless of if you book directly on World Nomads or via TP. Just don't tell anyone I told you this Just kidding, feel free to use all! Oh, and here and here are some forum threads I dug up on WN insurance.
[ Edit: Edited on Dec 3, 2008, at 3:55 PM by Sam I Am ]
Thanks for the input, I'll have a good read through thiose threads.
Not so much bothered with the cover for eletrical stuff for various reasons not worth going into on here.
More bothered about the medical side of things and if my bag gets lost en route etc etc
Anyone else have any experiences or advice
By the way, there are some great threads about travel insurance on the forums. This search should do it!
FYI, I called an Insurance company to ask why they didn't do backpacker insurance, and now they have it and its extremely popular and I pay very little!
Now I get it free elsewhere