It's the final countdown to your next big adventure. You’ve got your passport and tickets, every pair of socks you own, and enough mosquito repellent to cover an elephant. But aren’t you forgetting something? Travel insurance, a safety net if things go wrong, should be right at the top of your list.
Travelling wouldn’t be fun without surprises. But sometimes the unexpected leaves you whimpering in a hospital bed when you should be exploring the jungle. Injuries, illnesses, and even spewing volcanoes can tear up your perfect itinerary. And that’s where travel insurance can save you from distress – or at least from some of the costs, depending on the policy you buy.
Reading through your policy won’t get your pulse racing, but it’s essential to check how you’re covered, what’s not covered and any conditions that apply before you set out – whether you bought annual travel insurance or cover for a short trip. Let’s face it, you won’t be in the mood to read through travel insurance exclusions if you’re shivering with dengue fever in Borneo, or nursing a broken hip (turns out you can’t ski backwards).
You might think it’s ‘fine print’ but you really don’t need that magnifying glass. So let’s look at a few things you should consider:
Make sure you compare insurance plans to get the right policy for you, whether you’re a carefree student, trekking across Canada with your family, or relaxing on a cruise. And think about how often you travel: do you need annual multi trip insurance for your mini-break addiction or single trip insurance for a one-off jaunt? If you’ve finally taken the plunge for a gap year or career break, look out for backpacker and long-stay travel insurance.
At Lonely Planet, we want you to travel far and wide with the knowledge that someone will catch you if you fall. So get started with a quote for travel insurance and carefully read the policy to make sure it suits you.