Getting travel insurance for your trip to Asia is definitely a good choice, even if you might be thinking that you don’t need it.
Of course we never expect something bad to happen, but when you know you’ll be driving a motorbike through Vietnam, cliff jumping in Koh Phi Phi or eating street food in India, an accident can always happen. These things were never planned, but you want to be prepared and feel confident you can get the best medical care that is available.
Your travel insurance doesn’t only cover you when you’re in a medical situation, but also when your camera breaks, your backpack gets stolen or when you lose your passport.
We’ve dedicated this post to talk you through buying travel insurance that is right for you. Below you’ll find a step by step process how to do this.
1. Check if you’re already covered with a national health plan
Start with checking the coverage of your own national health insurance if you’ve got one. When you’re insured in your own country, your own health insurance can cover you everywhere in the world. If you’re already covered, it makes a lot more sense to get a second travel insurance policy only for the extra things that you want to be covered for. Make sure to check if you’ve got already some coverage, so you’re not paying twice for the same benefits. In the case that you don’t have a national health plan yet, than you’ll definitely need travel insurance.
2. Decide what coverage you need
Although we can’t anticipate what will happen to us, we often have an idea of what kind of coverage we might need or want. If you travel with expensive tech equipment, you’ll need to be covered if it gets stolen. However, if you don’t even plan to bring a phone then you might not want to pay for coverage of your belongings as the financial value might not make it worthwhile.
3. Our advice for things to have in your travel insurance
Check out our personal recommendations for choosing the best possible plan. These are based on our own experience and common sense and should give you a good basic guideline for things to look at:
- Coverage for the full length of your trip. Sometimes plans only cover you for a trip of up to 60 or 90 days, which can be tough if you’re planning to be gone for six months.
- Coverage in most of the countries in the world but especially in the ones you are planning to visit.
- Coverage for sudden illness or injury.
- Coverage for any emergency health costs related to an accident including emergency evacuation of at least $200,000.
- Coverage for the retail price of all your expensive electronic equipment.
- Covered for a loss or damage of anything you carry (cameras, jewelry, phone, laptop etc.) including passport and all the extra costs that come with it.
- Coverage to be flown home in case of an emergency (either abroad or at home).
Choosing good travel insurance isn’t easy and since there are tons of companies, finding the right one can be challenging. Especially if you’re not a big fan of reading through every sentence of a policy, it can help to go with travel insurance that has been recommended by your friends or other people that have had good experiences using it. Remember that there is a specific plan for every one of you, you just need to take a bit of time to find the right one to save yourself a lot of hassle afterwards.
We get a lot of questions on what travel insurance we use and what we recommend. Of course it always differs per specific case. Our needs as digital nomads are that we need a health insurance with a new age company that quickly allows us to send medical bills to via internet. Believe it or not, there are still companies who offer you a digital nomad insurance and expect you to send everything by post! Another thing we appreciate is if we can choose the hospital we go to ourselves instead of having a preferred one that might be too far away. Lastly, we’re traveling with expensive cameras and we want to be able to be insured with that as well. So overall we need a flexible, modern and customisable insurance and luckily we have found one.
We’re using the travel insurance of World Nomads. Feel free to check out these links and see for yourself if this is something for you. As we said, we’ve got only good words for them. They might be a bit more expensive than standard companies, but offer the best service, most options and you can claim online, so you’re prepared in the best way and have zero worries on your trip!