The question of whether or not to purchase travel insurance is no longer relevant, everyone needs travel insurance, it is a necessity for anyone travelling, consider your insurance as part of the cost of travel. this doesn’t mean you will need to spend a fortune and you may choose various levels of cover

Travel insurance has been created to save you money should something go wrong, as simple as that. Should some unplanned circumstances arise you have peace of mind in knowing that you will be covered, you won’t lose or get stuck or have to pay for replacement flights and such.

Health is often the biggest issue for many travellers, check with your normal health insurer, you may be surprised to find they have you covered or many offer excellent travel insurance rates for their customers. some health insurers will have you covered for every eventuality but only in your country of residence If you need emergency medical attention abroad this can be extremely expensive, make sure you are well covered here.

Terrorism is an event that is not usually covered by airlines, what this means is that if you miss your flight or it should be cancelled due to suspected terrorist activities, you may not be reimbursed by the airline, again get your travel insurance organised so you will be covered .

Flight cancellation is always considered and should be covered by your travel insurance. Any number of circumstances could come up that make it impossible to travel, things such as weather, like storms or even hurricanes, wouldn’t you rather get put up for the night or longer in a comfortable hotel than sleep at the airport for three days?. Sudden illness or family emergencies can arise making it impossible to travel, if you’re not covered you lose. Whatever may occur to prevent your journey, if you have insurance you are covered.

Luggage can be lost or damaged in transit. Usually if your luggage is lost in transit the airline will find and return it, eventually. keep in mind however that sometimes luggage is lost and never found or it is found but arrives with items missing, if you have insurance you can replace anything that can’t be found and continue to enjoy your holiday.

To decide on a specific insurance company you will need to do your research. Different companies offer different plans for different vacations, for example the insurance you get for taking the family by car to Disneyland and staying in a hotel in the city will be different to the cover you would need to fly to a remote part of Africa and camp in a game park, Some companies will over extended travel cover for many months while you may only need cover for two or three weeks. Obviously you will need to choose the cover that suits you particular travel arrangements.

Make a list of what you need to be covered then go out and find a policy that covers you, travel insurance is big business and highly competitive, it’s a savvy buyers market so there really is no excuse for ruining a perfectly good holiday by poor planning. Get cover and relax, once you know that even if everything goes wrong you are covered, Peace of mind is the best way to travel.

Keep Travelling safely with World Nomads.

At worldnomads.com you get so much more than travel insurance. your own online travel journal and destination guides, World Nomads keeps you travelling safely.

Travel insurance: it's simple & flexible.

You can buy, extend and claim online from anywhere, even after you've already left home! Recommended by Lonely Planet, World Nomads travel insurance is designed for adventurous independent travellers and covers overseas medical, evacuation and luggage such as iPods and digital cameras.

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