Posts Tagged With: travel insurance

My favorite order is out of order…

Today I bought plane tickets for my stint in Spain in October with the ‘rents. So what?, you may ask. You need those plane tickets. To which I answer, why yes I do, but I should first probably buy the ticket that is going to get me to Europe. Minor detail.  My proposed departure date is a mere 2 months and 3 days away and I still haven’t bought my flight over there.  I really need to get my ass in gear, but this damn concussion isn’t helping anything.  

I’m a week behind on my spanish lessons, I haven’t bought my flight to London, I need to finalize details of the France portion of my trip, I need to rework the Italy portion, I need to take a second look at the financial projection (which may lead to nixing Morocco and overhauling Spain and Portugal), I still haven’t opened a Schwab savings account (hello no ATM fees!), I need to figure out how to best utilize the airline miles I’ve been accruing, I’d like to compile a list of possible work leads for Australia, get a YHA membership, buy travel insurance and a dozen other details.

So yea, that’s what I need to do. It would be helpful if I would do things in a logical order, but I know that’s not going to happen. I’ll at least try to get things done by the time they have to get done…for the moment that means getting back on track with my spanish lessons, buying a flight to london, sending in the info for my schwab account and figuring out the first 3 weeks of my trip. Ok, yea, that’s manageable. Those will be my goals for the week.  Paying my rent should really be on that list too…and going the bank to deposit some checks so the rent check doesn’t bounce. Ok, now that’s my list…until I think of more things.

Now, I’ve got to go lie down and try not to think for a while.  If you’ve ever had a bad concussion, you’ll sympathize. 

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Day 15

Picking the best travel insurance for you may be intimidating, but once you decide what is important to you in a policy and do a little research, it’s not so bad.  Like I mentioned in Day 8, I’m going with World Nomad’s Explorer option, which I plan to renew every 6 months. I don’t have too much else to say about it.  katafrass out!

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Day 8…Vaccination Station

  • On Day 8, the scary subject of health issues while in another country is broached. Well, scary for Americans anyway. I don’t know how it is growing up in other countries, but in the ole’ U.S. of A., we are taught from an early age that we are the only ones who are educated properly, we alone have quality health care, and all other countries face a rampant amount of violent crime and natural disasters on a daily basis. Having traveled in other countries, including developing countries, I have realized that these views are not only extremely egocentric of us, but completely false.  Having said that, I will not lie to you and say that I did not have a slight moment of panic when I was reading the Day 8 article and started thinking about what travel insurance/vaccines I should get.  Haha even I, a reasonably well-seasoned traveler, can sometimes forget that quality medical care does in fact exist outside my home country. After remembering this, I quickly calmed down and easily picked a travel insurance that I feel confident will work for me in most circumstances.  For anyone looking for information on pros and cons of travel insurance, here’s a quick lowdown on the insurance I’m probably going with.

World Nomads

Pros

  • Super affordable (I plan to get a 6 month Explorer option, which is $386, and extend it on the road…you save about $400 when you do that rather than but the 12 month $1211 Explorer option, which is still a pretty good price compare to some others)
  • Seems really easy to claim
  • really easy to extend
  • Explorer option covers adventure sports
  • covers up to $500,000 for emergency or security evacuation
  • covers $5,000 for trip cancellation or interruption
  • covers $1,500 for trip delay
  • covers $3,000 for baggage and personal effects loss
  • covers $750 for baggage delay 
  • covers $35,000 for car rental collision coverage
  • covers $100,000 for medical expenses, including emergency dental expenses

Cons

  • Really only one major con for me…it does not cover pre-existing medical conditions, which is bad news for me, but may not be a big deal for you. Having said that, I have been hard pressed to find any affordable travel medical insurance plans that do cover pre-existing medical conditions.

So there you have it. Travel insurance. Get it. Because the second you don’t have it is probably when you’ll need it.

 

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