Last Updated on March 24, 2023 by Christine Kaaloa

best travel insurance for americans

Why travel insurance is necessary

Travel invites change and unexpected things, both good and not so. Travel insurance can feel like an extra expense to a tight travel budgets. I get that. As a regular traveler, I didn’t want to think travel insurance was necessary until I crossed paths with travelers experiencing a lot of unfortunate stories. I even experienced a handful of my own and was glad to have been insured.  From baggage loss to tourist motorbike crashes, roadside accidents, theft, illness, emergency medical evacuations, etc… Even car rental scams (this actually happened to me and by reputable car rental too !)

Having trip insurance gives me peace of mind, letting me enjoy my adventure.  

“I got bitten by a shark!”  Sounds extreme, but it can happen.

“I got bitten by a monkey/mosquito”. Sounds less frightening, less extreme. But what if that monkey transmits rabies and that mosquito carries dengue fever?  The first example might not be as common, but this one is!

Abroad, travelers take risks. There are so many dazzling bucklist activities you can’t do at home but abroad is your time and access to them.

Although now I use an annual travel insurance plan due to the frequency of my travels, there are still countries/activities, where I’ll need double up and return to get insured with World Nomads. They’ve been a leader of insurance specifically for the travel community, since before I started blogging (almost a decade ago!)  Being a digital creator, one of the things I love they cover are valuable equipment.

7 things to 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 traveling 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.

What World Nomads insurance covers:

Off the cusp, they cover a lot. These days, the world is a lot more unpredictable than it used to be ten years ago. So World Nomads has really thought through the needs of travelers down to the most common, unpredictable and extreme.  As professionals focused on providing safety for adventure travelers, they’ve thought of things that we, as travelers have not.  It’s likely because they see the range of travel mishap cases coming in. World Nomads covers over 150 types of travel activities from rock climbing, bungee jumping, caving, boating, etc..  Most travel insurance policies are general, vague and blanket– you never know what they’ll actually cover.

Wouldn’t you want to go with an insurance that has travelers’s safety in priority check and is part of the travel community?

At a glance, check out all that they cover. It is a lot more focused on travel and specific cases that we travelers worry about.

what world nomads insurance covers

What is not covered

  1. Stupidity- Don’t purposely put yourself in any dangerous risk that might win you a Darwin Award.
  2. Being under the influence of alcohol
  3. Sexually Transmitted Diseases
  4. Existing Medical Conditions
  5. Countries you should not go, like Somalia or Afghanistan.