My top travel insurance recommendation for 2019 is… drum roll, please… World Nomads. Again.
There wasn’t much competition, to be fair. Fortunately, World Nomads is actually really good. It’s the only international multi-trip travel insurance that explicitly covers both my work (marine biology) and the things I do for fun (scuba diving, snorkeling, wildlife photography, ecotourism, hiking, etc).
If you’re reading this site, which you clearly are, then you likely have similar interests. Hopefully, World Nomads will be a good fit for you as well, so you don’t have to spend as much time reading insurance web pages as I just did.
If you’d like to go ahead and check the price for insuring a trip (upcoming, or hypothetical), here’s a helpful widget-type thing. Go ahead, I’ll wait.
Cool? Cool. Go ahead and book that if you like. Otherwise, I’ve added some more details below because, apparently, I’m an insurance geek now.
My mum will be so proud.
Note that I’m an insurance geek, not a person that professionally deals with insurancey things. Please check the policy terms and conditions for yourself to confirm you’re happy with everything prior to purchase.
World Nomads Travel Insurance: Why I like it
I’ve been using World Nomads for several years (and a lot of trips!) now. It has some major advantages over other insurers for my travel style:
- I can buy a new policy, extend the trip cover, or lodge a claim while I’m traveling.
- World Nomads specifically covers scuba diving.
- They cover digital nomads (working while traveling).
- The insurance covers a huge range of adventure activities… in case I ever want to try Ski Joring. (What even is Ski Joring? Oh geez, I just looked it up. That’s extreme. Won’t be trying that. But you’d be covered 🙂 )
- I haven’t had to claim for anything yet, but the process is straightforward, so that’s reassuring.
- My tech gear is (mostly) covered.
- Everything can be done online, or by phone.
There are also some other really useful aspects:
- It’s available to people from 100+ countries.
- There are different plan tiers (Standard or Explorer) depending on exactly what coverage is needed.
- People from some countries, at least, can pay an additional levy to insure specific high-value items (like expensive camera gear).
Scuba Diving Travel Insurance
I love that World Nomads openly talks about what’s covered under their scuba diving travel insurance. You’re not trying to read through dense policy documents trying to figure out if you’re going to be subject o some unfair legal loophole.
That itself is a major advantage for World Nomads over other insurers to my mind.
For instance, if you’re from the US, at the time of writing your coverage includes:
- Diving to 50 m depth if you’re on the Explorer plan.
- Liveaboard trips.
- Medical evacuation, if it’s required.
- Emergency medical expenses.
- Repatriation to the US if you need it.
Additional Thoughts & Tips
If you’re traveling, it’s a good idea to have travel insurance. Sure, it’s not something you’re going to have to rely on often, or hopefully ever, but stuff happens. When you’re far from home, that can be a serious problem.
It’s actually useful to get your travel insurance in advance. If you know your dates, buy your insurance. Then if some natural disaster happens, and you have to cancel the trip, you should be covered. I lost a bunch of money on a Fiji trip I had to cancel due to a cyclone a few years ago.
It’s also helpful to do some basic organization before you leave home. Remember you’ll need some sort of proof of ownership for stolen cameras etc. Have a quick scan through what you need to do to make a claim. Before you need to make a claim.
I hope that helped! If you’d like to do a price check on insuring your trip, you can get a quick quote on the World Nomads site (or just use the widget above).