Insurance forum

hi lola,

i think it depends on what type of coverage you are seeking. i know Travelfish recommends World Nomads, and i think that is because World Nomads is a very comprehensive policy that covers just about everything. it is well-designed for that gap year experience and others who will be out for an extended period of time. but i've also noticed that World Nomads tends to have better prices and coverage for people from the civilised english-speaking world like the UK and OZ and not as good a policy rate for those of us from the united states.

i tend to shop around before i buy. one place i've had good luck comparison shopping and eventually finding the policy i need for a given trip is the insuremytrip website here in the states. you can browse different types of policies, like package or medical, and compare coverage and price.

i know when i buy a travel insurance policy, i'm more interested in things like medical coverage and the absolute most interested in good medical/emergency evacuation coverage and a 24-hour assistance hotline. because i tend to travel on the cheap and don't carry much of value with me, i don't worry too much about loss of valuables or luggage, trip delay, and that kind of coverage.

one disclaimer is that i'm an older travel, and my health insurance here at home and my homeowners policies would coverage a lot of those more comprehensive items in something like World Nomads. when i was younger and didn't have any other coverage, i purchased the more comprehensive policy. more expensive but made better sense and value for my situation at the time. hope that help. cheers.