A good travel insurance provider?
-thanks for the help
- 24 Hour support
- toll free phone numbers in popular countries
- do you want it to cover everything or just major incidents
- Will it cover sports that you are interested in doing
- does it include medical evacuation
- Can you extend your policy while outside your resident country.
read the policys details.
heres my story:
After 3 years (12 month policys X 3) on my old policy, the company wanted me in NZ to renew. (i had been there just 3 months proir).
this covered everything, no excess. but it was $1200NZD /yr
Nice policy, was hospitalised w malaria (06), and broke an eardrum (08).. everything worked well..
I changed to World Nomads in Feb. half the price of my old policy, $100 excess.
in that $600/yr savings is enough to self insure (replace) my clothes/camera etc..
I broke my knee in March. The hospital & physio agreed to invoice World Nomads directly (The cashier at the hospital was not keen at all, asked who I was with, and then said ok, because they are great to deal with).
All in costs so far for my treatment will be around $1500 (mri, leg braces, xrays, surgeon consult, physio)
The MRI for a tourist in canada is $1800! (im on a working holiday visa so get the resident price)
I see the surgeon tomorrow for results of the MRI. I expect he will schedule surgery. Which will bump the total cost up by around ~$9k
Its not the small things that matter.... its the big costs that you should care about.
World Nomads support has been fantastic. they call me to see how things are going, which is a first!
Thats my story.. sitting here w crutches by my side, ice on my knee etc.. fun times .
If however like me you have a life threatening nut allergy! Insurance can sky rocket, i found opening a gold account with Natwest meant i could cut the cost right down (it offers free insurance if your healthy, but check for how many days in a row and how many times a year! - you can always add money and make changes to the terms though!)...the card also gets you discounts on hotels / attractions / dining around the world!
Hope that helps, Hanna
PDXnative wrote:Why doesn't World Nomads offer a 12 month policy? And anyone know if they offer family coverage?
It seems to depend on the country of residence. Eg in Australia and UK you can get 14 month policies but only 6 months from the USA.
They do offer Family policies. Usually 2x single price.
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