In 25 years in the Travel Industry, the most common question I am asked is “Do I really need Travel Insurance”? And my answer is always the same. Yes, you do.

It’s a difficult topic to bring up to someone who is planning a dream vacation. Some say, don’t put that energy out there, but the truth is, prudent planning is a part of travel. Here are a few reasons why.

One. Delayed, lost, or stolen baggage. Depending on the plan you purchase, you will get some reprieve in this scenario. Yes, many credit cards include this, so consider this added protection.

Two. Trip Cancellation. This is a huge reason to purchase Travel Insurance. Coverage varies with plans.

Three. The REAL REASON we recommend Travel Insurance, and REQUIRE IT OF TRAVELERS ON OUR TOURS: Medical Emergency and Emergency Evacuation. Reimbursement for these two situations by far is the biggest benefit of coverage. We once had a customer get bitten by a spider in Africa while doing a medical school internship/volunteer program. A few months later as he was backpacking in a different part of the continent, his leg swelled up almost overnight. His only access to medical attention was a rural clinic and with his personal medical training, he knew it was insufficient for his needs. He had developed a fever and other alarming symptoms. He was carrying a Travel Insurance Policy and phoned the toll free number. Within a couple of hours, he was on his way to an airport via ambulance and was flown home in Upper Class where he could elevate his leg. No questions were asked and he was reimbursed for all of the transportation costs and even the visit to the local clinic.

The situation could have been a lot worse, and we have worse stories to report, but this is very realistic and realistically easy on the stomach. But imagine trying to arrange all of that with a deadly venom running through your bloodstream all on your own? The Emergency Evacuation coverage is the primary reason most tour operators require Travel Insurance.

We recommend World Nomads both for extensive coverage (even scuba diving) and price. For our customers over 70, we recommend Roam Right.

Further reading:
Is Travel Insurance worth it?

Travel insurance: simple & flexible

You can buy and claim online, even after you've left home. Travel insurance from is available to people from 140 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

7 things you should know about travel insurance from

  1. Trusted reliable underwriters is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
  2. Value for money with the cover you need provides cover for what's important for travellers from 140 countries. By focusing on what you need and leaving out what you don't, World Nomads prices are some of the most competitive online.
  3. Flexibility when you need it most
    Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you're already travelling.
  4. Cover for a range of adventure activities
    From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, covers a range of adventure activities, giving you peace of mind to get the most from your travels.
  5. World Nomads keeps you travelling safely
    All members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
  6. More than just great value travel insurance
    All members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
  7. Commitment to exceptional customer service
    We want to make sure you get the most from You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact directly.