Why travellers need good insurance

It's fairly obvious we love travel here at Travellerspoint, especially of the adventurous kind. However, we also understand the importance of travelling safely. That's why we've partnered with World Nomads to bring a good, affordable and flexible travel insurance option to our community.

We've all heard the horror stories of the extreme overseas medical bill, stolen camera equipment, lost luggage or cancelled flights, so why do people still forget to organise insurance?

If you can't afford the insurance, you can't really afford to travel. In the case of a medical mishap, not being suitably insured can not just ruin your holiday, but destroy you financially. Insurance is a small price to pay for some peace of mind. World Nomads offers a range of low-cost, convenient options and you can make a claim or extend your policy online, even if you're already travelling. Plus it's available to residents in over 150 countries.

What travel insurance covers

• Emergency medical and evacuation assistance and 24/7 support when you need it most
• Adventure sports and activities
• Lost or stolen baggage
• Cancellation costs
• Dental and liability
• Funeral expenses

What it doesn't cover

• Pre-existing medical conditions
• Stupidity and deliberately putting your life in danger
• Alcohol or drug related activities
• HIV or STDs

We encourage you to read the policy wording carefully before purchasing. It needs to match your needs! Policies also vary from country to country.

Seven things we like about World Nomads

1. Trusted reliable underwriters

   It's backed by some of the world's largest insurance underwriters including companies like Lloyd's.

2. Covers the things you need

   It focuses on what you need and leaves out what you don't. You're not paying for things like laptop insurance if you're not taking one.

3. Flexibility when you need it most

   A lot of insurance policies need to be purchased before you head off. World Nomads allows you to buy their policy even if you're already under way. This is particularly suited to the kind of independent long-term traveller that's on Travellerspoint.

4. Cover for a range of adventure activities

   Other insurance policies don't cover some of the more adventurous activities that we enjoy on our travels. World Nomads offers coverage for things like snowboarding and whitewater rafting.

5. It keeps you travelling safely

   All policy members receive access to up-to-date travel safety alerts online.

6. Commitment to exceptional customer service

   Got a question about your policy? Speak directly to one of the award-winning World Nomads team members, online, on the phone or in the social sphere. We know the people behind World Nomads and know they share our customer service values.

7. More than just good travel insurance

   We love that World Nomads has set up the Footprints Network, a philanthropic organisation that is really doing some great stuff to give back to community projects around the world.