Hello, me and my roommate are planning on takings a trip for about 5 months traveling around southeast asia and doing volunteer work and seeing the world. One of the most confusing things for me to figure out is if we are going to need traveler's insurance? Everything I read is so back and forth, some say I do and some say I shouldn't waste my money on it. I have no idea what I need. I have traveled before but for only like one month at a time or so, never 5 months with just one other person. We are just trying to figure out our best option to make sure we don't get screwed while overseas!
Why would you risk not getting insurance? Especially for a long period of 5 months, seems a no brainer to me! almost 5 years agoAnswered by Webhound via WorldNomads.com
Hi Elise, Katrina from WorldNomads.com here.
Some might say if you can't afford travel insurance, you can't afford to travel.
Of course we're going to be a bit biased and say travel insurance is a good idea (!), but it really is up to you to work out why you think insurance is worth it.
The number one reason to get it is to cover you if something unexpectedly goes wrong and you're in an accident or get seriously sick and need emergency medical treatment. Yes, medical cover in SE Asia can be cheap, but it also can be very expensive (with hospitalization in Thailand sometimes costing the same rates as if you were in the USA).
The bottom line is: even though you might be an active healthy person, you really cannot predict the unexpected. Insurance is there if, by chance, something happens to you.
It can help pay for some of your expenses, give you 24/7 support to organize treatment, it can help get you home fast if you're so sick or injured you're not capable of travelling longer (and depending on what's happened, pay for upgrades if you need extra space or care due to your injury). It can also help if something you take with you is stolen or your trip or if your trip is cancelled or interrupted (by some of the covered events explained in the policy).
Have a read at some of these true claim stories to illustrate how travel insurance can (and perhaps can't help): https://www.worldnomads.com/claimstories.aspx
If you do decide to get it and have specific questions about coverage on any of the plans we offer, then please ask: http://worldnomads.com/contactus.aspx
And finally, all travel insurance plans are different, plus they all have limits and exclusions to cover, so it is always best to read the policy you buy really carefully (yep, all the fine print) so you know how it can (and can't) help to avoid any disappointments if you need to use it.
Hope you have an amazing trip,
Katrina almost 5 years ago
Without question you should get travel insurance.
It is very unlikely that your health insurance, credit card insurance, etc will cover everything you might need, particularly for such a long trip. Better safe than sorry, as they say.
I'm about to buy my insurance for a 6 month SE Asia trip, and I'll be buying from World Nomads again! almost 5 years ago