Travel Insurance – why do you need it?
Because accidents and mishaps happen when you are least expecting them to. And most of them are out of our control. That’s why having travel insurance that covers you for your travels is very important. Travel insurance can be complex and is often very confusing. Ensure you read the policy and understand what you are covered for.
Ensure your insurance covers you for
Cancellation fees and lost deposits incurred by unforeseen circumstances which require you to cancel your trip;
Overseas medical, dental and emergency expenses – suggest at least a minimum of $100,000 coverage. Very important if you get sick or injured and are in need of serious medical attention.
Emergency flight home if required – this should mean to your home country. Be careful when taking out insurance in a country other than your own because the emergency flight home might only be within that country and not your home country. For example, if you don’t take insurance out for your whole time in London and you purchase insurance in the UK to cover a trip in Europe and something happens in Europe, your insurance will only cover you being repatriated (returned) to the country you took out the insurance, ie. UK in and not to your home country.
Hijack and kidnap;
Loss, theft or damage to your luggage;
Loss of income;
Working holidays – some travel insurance policies don’t cover you if you start to work, therefore ensure your policy does.
Please note: London Working Holiday has joined the World Nomads affiliate program. If you purchase a policy we receive a commission which helps us to keep this site running so we may continue to connect you with relevant information, contacts and products for your travels.