best travel insurance for americans
best travel insurance for americans

Why travel insurance is necessary

Travel invites change and unexpected things, both good and not so.  Sometimes, travel insurance can feel like an extra expense and many of us are on budgets. I get that. But the more I travel, the more I see accidents happen among the travel community.  Motorbike crashes led from partying drunkeness, roadside accidents from with driving in an unfamiliar country, theft, scams and car rental scams (this actually happened to me and by Enterprise car rental too !), illness, emergency medical evacuations,  etc…

Being a regular travel, I come across these unfortunate stories often and it reminds me that if I can witness it, then I am one degree away from it happening to me!  Experienced travelers think they’ve been through enough to know better, but my feeling is that the more you travel, the more you’re exposed to inevitable risks and have a tendency to let your guard down.

As I travel with expensive camera and electronic gear for my work, this adds additional risk upon my travel risks. The potential for loss and theft is greater.

Having my trips insured gives me peace of mind.  Homeowners insurance to cover your camera gear is another thing to ultimately consider if you’re going to make travel and content creation your job.

Travel insurance: simple, flexible & obvious

American travelers often pay a premium on travel insurance. offers economic solutions for travelers who seek security and peace of mind and is available to people from 140 countries. Hey, travel is unpredictable and accidents happen. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities. It even covers theft or accidental damage of your gear such as iPads, laptops and digital cameras in specific incidents up to individual item limits.

You can buy and claim online, even after you’ve left home.

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 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.

What is not covered (more details, click here)

  1. Stupidity
    Don’t tempt accidents or do anything reckless that might make a Darwin Award (FYI it means death by stupid accidents that most people would think was stupid. Don’t be stupid.).
  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.