These days, we all travel with so many gadgets such as laptops, cameras, and smart phones.
Keep in mind that most travel insurance policies have a per-item value limit – make sure it’s high enough to cover your gear, or choose a policy that allows you to increase the limit.
Personally, we have never had any travel insurance specific to electronics. We’ve always got it included in our comprehensive travel insurance policy.
If traveling domestically, another option fo getting insurance on your electronic goods is to contact your home contents insurer and see if you can get them insured as portable valuable goods.
14. Cancellation Policy
It’s no fun if you fall ill before you leave and can’t go on your trip. Many unexpected problems can pop up. Not all insurance policies cover cancellation of flights and accommodation, so please read the policy wording relevant to you carefully.
15. Pay attention to Government Warnings
Many travel insurance policies will have a clause where they won’t cover you if you travel to a country your government has warned you against traveling to. The insurer can argue that the risk was foreseen and you were warned.
BEST TRAVEL INSURANCE COMPANIES
One of the best travel insurance companies we have personally used many times since 2006 is World Nomads. They are simple and flexible to use, and cover residents from over 150 countries.
Never wait until you have left home to get insurance as it often makes it invalid, however, World Nomads is one company who allows you to buy travel insurance online 24/7 from anywhere in the world, even if you’re already traveling (love this option!)
They are a reputable insurer, trusted by brands like Lonely Planet, National Geographic Channel, and Intrepid Travel.
Key benefits:
Buy, extend and claim online even after you’ve left home.
Cover for tech gear
Cover for a range of adventure activities
Engaged travel community on social media
What I don’t like:
Has a fixed excess price of $200
Only $500 dental
Get a travel insurance quote from World Nomads:
Best Travel Insurance for Australian Families
As Australians, we did some research before our trip to Singapore to find the best travel insurance for Australians traveling overseas and they are listed below.
However, every traveler and trip is unique and we always recommend you do your own due diligence but we have narrowed them down to hopefully save you some time.
We used Compare The Market to compare travel insurance companies in Australia, plus the two companies we have used the most on our travels, Cover-More and World Nomads.
But the overall winner for our specific trip was World 2 Cover, which offers:
Free cover for your children and grandchildren 25 and under when they are traveling with you
Unlimited medical cover when traveling overseas with NO excess
You can read our full review of the process we used here.
Best Travel Insurance for USA residents
Remember, buying a travel insurance policy is not a replacement for your health insurance!
There are the big brands like Allianz and American Express. To compare travel insurance companies, check out Insure My Trip and Squaremouth.
Remember – research carefully and compare different policies.
The key is to read the fine print of every policy carefully that is offered to you and determine whether it will fit your needs.
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