Travel Insurance Comparison: Which is the Best Policy for You?

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Don’t you dare get on a plane without this! Travel insurance is just as important as your passport and contrary to popular belief, it is NOT expensive! We’re sharing a story about why you NEED travel insurance, which companies we use and what policy details to look for when you go over our travel insurance comparison.

Travel Insurance Comparison - Scooter at sunset in Bali

Travel insurance, do I really need it? Yes. Absolutely. 100%.

We have been exactly where you are right now: debating whether or not to get insurance for our travels. We thought travel insurance would be expensive and weren’t really sure how to go about picking a policy that fit our needs. We weren’t sure it was really necessary…

But one experience forever changed the way we view travel insurance.

This article will explain why everyone should purchase travel insurance, and what policy details to look for when you go over our travel insurance comparison.


Contents


Let’s get straight to the point, shall we?

Before we tell you the story that made us never want to travel without insurance again, we’ll tell you the 3 insurance companies we use and trust. They each have somewhat different purposes, so we choose the specific policy based on the type of travel we’re planning to do. Read through each description and see which will suit you best.

Allianz

In the past, we’ve used Allianz Travel insurance for the majority of our long term travels. We’ve had great experiences with their customer service, they have pretty good coverage and they are one of the most inexpensive options we’ve found. We’ve filed two claims with them due to gear being stolen and Ben had some emergency dental care, and they sent us our claim money within a few days. 

We purchased a year-long travel insurance coverage policy for two people for several years in a row. Each year, prices have increased slightly, but overall Allianz is still a very affordable option. 

However, it does have its limitations… Allianz does not cover some extreme sports and they also have not provided coverage options for the global pandemic.

World Nomads

Whenever we’ve needed insurance for extreme adventure activities, we’ve gone with World Nomads. If you are going on a two week trip or going to be doing some more extreme activities like scuba diving, trekking to Everest Base Camp or other extreme activities, you will need this coverage. 

SafetyWing

Very much geared toward digital nomads, SafetyWing are one of the few providers who have coverage for Covid-19.

The Importance of Travel Insurance: A Life Lesson

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Do I really NEED travel insurance?

I plan every single detail of my trips, so nothing will go wrong.

I never have issues with flights.

I’ll keep my valuables on me 24/7.

I always take great care of my health, and I hardly ever get sick.

These are all famous last words we’ve heard from fellow travelers.

But mistakes do happen. Travel isn’t always pretty. Credit cards can be “misplaced”. Flights can be delayed due to weather (ahem… Minnesota snow. Or volcanoes in Bali). The one time you forget to keep your eye on your camera, it gets stolen. And let’s not forget that food poisoning happens whether you avoid street food or not. We speak from experience.

Don’t believe us? We’ve heard too many real life travel horror stories, including experiencing some of our own, to know better. 

In fact, the story below is a perfect example of why you should get travel insurance NOW!

This anecdote isn’t meant to scare you or to deter you from traveling, but instead is meant to illustrate the importance of having travel insurance.

We had just arrived in Vietnam, and were on a bus to a small town in the north of the country called Sapa. We started chatting with the two Australian guys next to us who were just starting out on a 6-month trip around Southeast Asia.

They told us excitedly of all the plans they had in store. After the bus journey, we bid them “safe travels” and parted ways.

Sometimes when you’re traveling, you run into the same people over and over again. And other times, you make a great connection with someone never to see them again in your lifetime. You never know what the case will be when you say goodbye. 

Nearly a month later, we were relaxing on an island in Cambodia when we saw a familiar face: one of the Australian guys from that bus in Vietnam several weeks before. We asked him where his friend was, and suddenly the smile faded from his face.

He explained that a couple weeks before, they had been on a beach in Vietnam when his friend attempted a backflip, something he had done before and didn’t think twice about.

The thing is, he landed a little funny, and in the days following started having spasms and trouble walking. He went to a doctor in Vietnam and was told that he immediately needed to be flown to Bangkok to undergo surgery, or risk being paralyzed.

Even though medical care in Thailand is significantly cheaper than in Australia or many other Western countries, an evacuation flight like that ain’t cheap. 

His friend told us that he thankfully had medical and trip insurance, because the whole thing when said and done was going to cost a hell of a lot more money than this gap year twenty-something had access to.


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After hearing that story, we immediately went online and bought travel insurance. And now, arranging a travel insurance policy is one of the very first things we do when planning a trip.  

We are firm believers that there is exponentially more good in this word than bad. There is absolutely no need to fear other people, cultures or countries. 

With that being said, we sleep better at night knowing our valuables are covered if something is stolen (unfortunately we’ve had to use our insurance policy for this reason). And we know that we can get medical care in an emergency (we also had to use our insurance when Ben had issues with his teeth and had to make an emergency appointment overseas). 

Insurance is something you hope you never need to use, but you get anyway. That’s why you have it for your car, your home, your teeth, and your health… But oftentimes people forget that their normal insurance policies typically won’t cover stolen items or accidents that occur overseas. 

What travel insurance should I use?

Travel Insurance Hoi Van Pass Vietnam

Plug this phrase into Google and you’ll be overwhelmed by the choices. It seems as if there are a thousand companies with a million different policies. So how the heck do you know where to start?!

Lucky for you, we’ve done all the research so you don’t have to. 

We compiled all the info online and are sharing out top picks for different travel insurance needs. We will also walk you through what to look for in a policy so you can do your own travel insurance comparison.

Cheapest Travel Insurance

Before any big trip, we first get quotes from Allianz.

You plug in a few details about yourself and travel plans (age, length of travel, pre-travel bookings, destinations) and it’ll spit out numerous options that cater to your travel. Browse and compare different coverage to find the right one for you.

You can purchase your trip insurance policy within 15 minutes. And guess what? It cost less than my monthly phone bill!

That’s right – travel insurance doesn’t have to be expensive!

Our policy was great for our basic needs, but after reading the fine print, we found that there were a few things it just didn’t cover:

  • Extreme sports, like paragliding and scuba diving

  • It also didn’t cover medical expenses if something were to happen at high altitudes (aka trekking to Everest Base Camp)

So for our next travels, we did a bit more research and found what we consider to be the very best travel insurance coverage out there for adventurous travelers like us…

Adventure Travel Insurance

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World Nomads Travel Insurance is a fan favorite in the backpacking realm, and for good reason. With low-cost policies and coverage specifically for travelers, you’d be hard pressed to find something comparable. Plus, what other insurance company is recommended by Lonely Planet and National Geographic?

World Nomad’s easy-to-use plug and play policy guide walks you through the different coverage options until you find the right one for your travels.
They have one week to year-long policies with various amounts of coverage. If you want to join the thousands that get insured with World Nomads, hop over to their engaging site and travel worry-free.

Digital Nomad Travel Insurance

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With the rise in popularity of digital nomading, it’s no wonder the travel insurance industry has adapted to keep up. One relative newcomer to the travel insurance game is SafetyWing, a travel and medical incident insurance built specifically for digital nomads. 

One of the benefits of SafetyWing is that it can be purchased while you are already abroad, eliminating the barrier of geographical borders and the need for a homebase in your home country. (You’ll notice in the fine print of many other travel insurance policies that they need to be purchased before your travels begin, while you are at home.)

Another major benefit of SafetyWing is the policy coverage. SafetyWing is available for people all over the world from all nationalities. It covers people while outside their home country, but includes home country visits and COVID-19 coverage in all of their policies. You’ll be hard-pressed to find another travel insurance policy that’ll stack up to that!

Best of all, SafetyWing operates like a monthly subscription, so you can adjust your coverage and opt in and out of plans on a monthly basis, based on your needs and travel plans. 

Before you start plugging in your name and birth date, read below for some things you need to know about choosing the right travel insurance policy for you. We’ll also share which policies we’ve used and exactly how much they cost.

Travel Insurance Comparison

Travel Insurance Motorbike

This is exactly what we look for when hunting for a travel insurance policy.

Coverage for lost or stolen items: 

Try to get enough to cover above the price of your electronics and other valuables. A typical policy states that you will receive money for stolen items only if you have a police report filed AND a receipt for the purchase of that item.

Trip cancellation or trip interruption: 

If something happens to you or a loved one before or after a trip has started, you typically can apply for trip cancellation or trip interruption claims. This way you’ll get back the money you put down for accommodation and transportation you’ve already booked. 

Lost baggage coverage: 

Remember to keep all your receipts of valuable items. Take a picture of everything you’re packing into your suitcase so you know exactly what you have with you. We have an example of a picture like this in our packing list.

Emergency medical transportation of $500,000 to $1,000,000: 

Cross your fingers that you will never have to use this, but is good to know you can have that great of coverage. We met a guy who had an medical emergency and needed to be air lifted by helicopter from central Vietnam to Bangkok. This would have put him in debt nearly for life, but insurance covered it all. Phew!

Emergency medical and dental of $50,000 to $100,000: 

This won’t cover a doctors check-up or a dental cleaning (which are typically cheaper in most other countries than they are in the U.S.). This will only cover major issues like broken bones or severe illness. You’ll likely have to pay the initial medical fees upfront, but you’ll get reimbursed later.

Length of coverage: 

You’ll want to be insured for your entire trip. From the day your plane takes off, until your plane lands back at home.

Insider Tip: If you want to compare a few policies, you can check out Squaremouth. This does for travel insurance what Expedia or Kayak do for flights. Plug in your information, and you’ll get a handful of quotes to compare.

What travel insurance do we use?

Travel Insurance Schwedagon Pagoda Myanmar

Well we’ve used a few different policies over the years depending on the different trips we were taking and what was available to us…

The travel insurance company we’ve used the most in our previous travels is Allianz Global Assistance

For our 3-month South America trip we bought an Allianz policy and again we purchased a year-long policy for our continued travels throughout Asia and beyond. It covers $2,000 in lost or stolen items per person and has $1,000,000 in emergency medical transportation. If we ever had trip delays we could be refunded up to $1,600 or if our bags were delayed, we could claim up to $600.

That’s right, we have better coverage than the Minnesota Vikings’ secondary (If you can tell, this Ben writing).

We also use World Nomads Insurance.

While we were trekking to Everest Base Camp in Nepal, we purchased an additional travel insurance policy through World Nomads. Our policy through Allianz doesn’t cover medical issues at high altitude, and they don’t offer any policies that cover this.

We’ve recently started using SafetyWing for our travels in 2021. 

Because we knew we’d be living in Mexico for a few months during a time when the pandemic was still in full force and wanted to make sure we were covered, we turned to SafetyWing.

Our 3-month subscription covered up to $3,000 in lost luggage with up to $5,000 in trip interruption with no deductible. Our policy also has us covered for up to $250,000 in medical expenses, including COVID-19 coverage, and $1,000 in emergency dental.

Travel Insurance Cost

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Allianz Global Assistance: Offers a number of different plans from single-trip coverage to annual/multi-trip plans. We recommend them for their annual plans which cover virtually any kind of travel done in the span of one year, at a single cost for the entire year.

  • AllTrips Basic: Starting at $135/year

  • AllTrips Prime: Starting at $275/year

  • AllTrips Premiere: Starting at $475/year

  • AllTrips Executive: Starting at $500/year

Check out which policy at Allianz Global Assistance works best for you, I know you’re curious. Head over to their site and get insured.

SatefyWing: Is a travel medical insurance option that operates like a monthly subscription. We recommend SafetyWing if you’re a digital nomad who’s already abroad and traveling full time, or traveling during the pandemic. 

Our current monthly policy through SafetyWing costs us just $40 per person for 4 weeks of coverage. The policy charges us on a monthly basis and automatically deducts our next payment each month for the duration of our travels. 

World Nomads: Provides coverage for over 200 adventure activities that aren’t usually covered (read the fine print!) in typical travel insurance policies. We recommend getting their short-term trip coverage (on top of your annual or monthly plan) if you plan on doing any activities like scuba diving, mountain biking or high altitude hiking.  

Our high altitude policy for 3 weeks through World Nomads cost $178 and had $100,000 in medical expense assistance and covered $300,000 for emergency evacuation per person. We saw at least 2 dozen helicopter evacuations during our Everest Base Camp trek, and let me tell you, those are not cheap rides. I sure hope all those people had travel insurance!

  • Standard Plan Quote for 3 weeks: Starting at $93

  • Explorer Plan Quote for 3 weeks: Starting at $171

Fill out the widget below and get an instant quote, it’s that simple!

 

Understand Your Coverage

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Read all the fine print! This is a biggie. Like we explained above, compensation will likely only be given for items for which you have a receipt.

Another thing to be sure you understand is how medical coverage will be dealt with. More often than not, you will have to pay the bill up front on a credit card (or with a wire transfer), then the insurance company will reimburse you after you’ve provided all necessary documentation.

Many countries (in Asia, for example) have affordable fees for hospital bills, but it’s good to have a game plan in case you need access to larger sums during an emergency.

Other ways you might be covered

If you do get into a pinch while traveling, there are oftentimes other protections you may have beyond travel insurance. These come in the form of credit card protections or other insurance coverage. We’ll do our best to explain what to look for so you can understand your coverage completely.

But first, a personal story…

While on a road trip in our campervan in Colorado, we had our brand new mountain bikes stolen from our bike rack (yes, they were locked!). Our renters insurance policy in Oregon covered the bikes, because they were our personal property that was insured under that policy.

We’d recommend consulting with your homeowners/renters insurance if you have any specific questions about your coverage while traveling domestically.

Other forms of coverage: 

  • Credit card coverage: Oftentimes credit cards, specifically travel rewards credit cards, will offer coverage for things like lost luggage, stolen items, rental car insurance and trip cancelation protection. 

  • Renters/Homeowners insurance: Can cover items from theft when you’re traveling domestically.

  • Car Insurance: Check your car insurance policy to see if it offers rental car coverage both domestically and abroad. You may find car insurance covers other items of value in the event of a car break-in as well.

Travel Insurance FAQs

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We hope we’ve answered most of your questions like what to look for in a policy and how much travel insurance costs in this article. Here are a few other FAQs we’ve come across to help you get the full picture. 

Do I need travel insurance for domestic travel?

That depends on your situation and what kind of travel you plan on doing. If you are taking a last minute trip in your home country, you probably haven’t pre-paid any major expenses or non-refundable trip costs that would be covered by trip protection. 

If you are fully covered and are comfortable with the benefits of your medical and dental insurance plans, you probably don’t need to look for travel insurance with medical coverage. 

However, if you are planning some extreme sporting adventures (high altitude hikes, scuba diving, paragliding, etc.) you may want to double-check you are covered by your medical insurance and if not, look into travel insurance with World Nomads

You may also want to look into getting travel insurance if you are planning a road trip and your car or credit card insurance does not cover your rental car. 

Can I purchase travel insurance after booking?

It’s never too late to protect yourself! However, it’s best if you can get insured as early in the travel planning process as possible. Double-check the fine print to see if you will be covered if you are already abroad. You may miss out on certain benefits if you wait too long. 

SafetyWing offers monthly plans that can be purchased while abroad and even offer home-visit coverage for short term travel back to your home country. 

What travel insurance does not cover?

This is a tricky one as it really depends on your policy. The following is a list of conditions travel insurance typically doesn’t cover (but you’ll always want to double-check with your specific policy):

  • Health crises like global pandemics that begin before you book your trip

    • Hint: We only know of one company, SafetyWing, that covers pandemic-related medical expenses right now

  • Natural disasters that occur before you book your trip

  • Weather-related cancelations

  • Losses due to pre-existing conditions, including mental and emotional disorders

  • Pregnancy and childbirth

  • Extreme sports and risky activities

    • World Nomads is the best company we know of to cover these specific activities

  • Specific items in your luggage such as tickets, passports, eye glasses, hearing aids, keys, cash, and cell phones

Do I need travel insurance if I have health insurance?

The short answer: Yes. Most medical insurance policies (including Medicaid in the US) do not cover medical expenses outside of your home country. It is absolutely imperative that you get travel insurance to cover you in the case of a medical emergency while abroad. 

How do I file a claim?

This will be handled differently by each travel insurance company and depending on your policy, but I speak from experience when I say it can be done pretty easily. Smaller claims such as baggage delays or lost or stolen luggage can be handled entirely online and usually get paid out pretty quickly. Larger medical expenses will likely need to be paid out of pocket (or with credit) until the claim can be filed, approved and you get reimbursed.

Golden Rule for Travel Insurance

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Always, always, ALWAYS have a money trail. If anything happens, the insurance company will want to see proof of what you paid for. If your camera gets stolen but you have no proof of purchase, you’re outta luck.

Keep receipts for everything. For transportation, keep your tickets (at least until the transportation is completed hassle-free). If you go to the doctor, ask for a bill.

Tip: If you don’t want to keep the paper version of your receipts, snap a picture on your phone and save it on your cloud account.

Before your trip, take pictures of receipts for your valuables and upload them to the cloud. That way if something does get stolen, you can access them easily and send the copies straight to the insurance company.


Need help planning the perfect trip?

Be sure to check out our Travel Planning homepage for resources on everything you need to know from how to get started to packing, budgeting and more! Or you can read some of our favorite articles about planning your next trip below. 

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We want to hear from you!

Do you have any other travel insurance tips? Have you had any good experiences with a company? Share stories and tips in the comments below.

Comments (27) on “Travel Insurance Comparison: Which is the Best Policy for You?

  1. Xana says:

    Hello!

    Thanks for this information. However one thing seems to be unclear to me.
    Me and my partner want to travel for a year in South-America, we both live now in the UAE, but our visa will be cancelled the moment we leave. We come across that travel insurances need a proof of residency or return flight. And we are not sure how to by pass this or how this works. As I am pretty sure that a lot of people that travel for a long time have the same issues. Any information on this?

  2. kirksu@gmail.com says:

    Hi Guys, I’m new to your site, but it caught my attention right away as special. I’ll cut right to the chase. I own a hotel in Costa Rica and bring quite a few people to the country each year. They visit us and other places in the country too. Costa Rica has lifted their ban on visitors for all countries in the world, but they have kept in place the requirement for medical insurance. The coverage isn’t that stringent, $50,000 in medical expense if you get covid while here, $2,000 to cover a hotel if you have to be quarantined, which is generally covered by a policy’s travel delay clause. and some other minor coverages that almost all travel insurance covers. The hitch is getting them to accept your policy in advance of your flight. So my question to you is: " Do you or your readers know of any travel insurance policy that has gotten advance acceptance from the ICT in Costa Rica? The ICT is the arm of the government here that handles tourism in general and specifically now handles approval of Covid medical insurance for entering tourists. If you have knowledge of an advance acceptance by the ICT for a particular policy, you could post it on your site, and I could share a link to it on my site and and you could conceivably have an affiliate share in the sales of lots of insurance. This excludes the two policies that the Costa Rican government has already publicly announced that the ICT is accepting, INS and Sagicor. Both cost at least $11 to $22 a day depending on your age., Outrageous! no?
    best,
    Kirk Ulbricht

  3. willsethan0@gmail.com says:

    The Super Visa know a few territories of protection like home, business, ranch, mishap and ailment, life and travel to give some examples. The people looking for a passage level situation in this industry normally show enthusiasm for individual lines like protection for private people.

  4. greg.mueller87@gmail.com says:

    So how do you get travel insurance for extended travel? I just called Allianz, they define "trips" as being to or from somewhere 100 miles of your place of residence and less than 90 days. We wont have a residence, and we’ll be gone for a year. Weren’t you guys gone longer than 90 days at a time ever, and if so how did you get covered?

  5. suzysanxter@gmail.com says:

    Thanks so much for your helpful New Zealand campervan article! I’m wondering about whether or not I can take nutrition supplements, like homeopathic remedies in small vials that are hand labeled ( not still in original manufacturers packaging) into New Zealand ? Mahalo! Suzy

    • bwzweber@gmail.com says:

      Hi Suzy, to be honest, I’m not entirely sure. New Zealand customs is very strict on what you can and cannot bring in. I would recommend looking at the NZ Customs website for further information. Sorry, I could not be more help.

  6. nicole@nicolecruzcoaching.com says:

    Thanks for this great blog post! i just talked to Allianz and they said the annual plan only provides coverage if your trips are 45 days or less in length. If it’s longer and you submit a claim, you won’t have coverage. Once you submit a claim, they will ask for your itinerary to confirm the trip you were on was less than 45 days. We will be traveling for a full year and will definitely exceed this limit. Have you guys experienced this?

  7. saschlicher@gmail.com says:

    Hello! This blog is soooo helpful! I’ve spent the better part of two days reading all of the information that you have here! I have a question about the Allianz travel insurance plan. When I called their customer service they mentioned that the plan will only cover you for trips of 90 days or less. Out plan is to spend the better part of this year in Mexico and Central & South America. When you purchased this plan how did you handle this? Currently, we have our departure tickets, but no return tickets. This is so confusing!
    Thanks so much!

    • bwzweber@gmail.com says:

      Hey Sheri, we have been in this situation a few times before. In the past, and what we currently use is Allianz’s year-long coverage plan. It’s a total of $450 for the two of us and it covers our travel, emergency medical, lost/stolen luggage, and other travel insurance items. This way you are covered for the entire year. Everyone’s total cost and limits might depend on your situation but we like using Allianz and will continue to recommend them. Hope this helps. Let us know what you decide. Cheers!

      • ana.r.linger@gmail.com says:

        It seems like you may have a misunderstanding about the policy, given what I have read. The annual policy appears to cover all trips for a year, provided the trips are under 45 or 90 days (depending on which policy you choose). Have you ever had to make a claim for a time when you were abroad for longer than the allotted time frame for one trip? How did the insurance company deal with it and did you have to prove that you had been to the USA in the past 90 days? I’m curious about your experience with this policy, since I travel continuously and wouldn’t want to purchase this under the potentially false pretense that it covers all continuous travel.

  8. mvhansmann@gmail.com says:

    Hi there! Do you have any recommendations of travel insurance for United States citizens traveling with medical conditions? My partner and I are going to Costa Rica next month and he has Crohn’s disease. From what I’ve read online, it doesn’t appear that World Nomands covers pre-existing conditions. Thank you!

    Michelle

  9. aliiciiadecastro@gmail.com says:

    Hi guys, thank you so for this helpful article amongst many more I’ve been reading! I am in the process of planning my Iceland trip I’m going on this August with my boyfriend and am about to buy insurance and rent a car for the week so I had 2 questions.
    1. Did you rent a 4WD car for traveling through Iceland so you could go on the F roads? trying to figure out if that’s needed.
    2. Did you add the rental car insurance to the one you bought through Allianz?

    Thank you!!
    -Alicia

    • bwzweber@gmail.com says:

      Hi Alicia, I think I can answer your questions:
      1) No we did not get a 4WD car in Iceland, and we didn’t go on any F roads. There are plenty of places that don’t need 4WD that you can get to. But the F roads do seem cool, and for those you would need a 4WD car.
      2) We did not have car insurance through Allianz, but we do always have card insurance through our credit cards, like Capital One Venture and Chase Sapphire Preferred Cards. If you have any major credit cards, you will most likely have insurance through them.

  10. samanthawang1717@gmail.com says:

    Hi Katie and Ben,

    Thanks for posting on this topic; it was really helpful! However, I got a quote from Allianz for a three-month trip and the basic plan was $229. The quote for the yearlong basic coverage was $125, nowhere near the $70 for two travelers that you guys described. Am I doing something wrong, or have prices just increased a lot since you wrote this article?

    Thanks!
    Samantha

    • hello@twowanderingsoles.com says:

      Hey Samantha, thanks for reaching out. It’s hard to say with the insurance policy because I do assume it varies a bit from person to person and time of year you’re applying. The most recent policy we have is $100 per year for the 2 of us for a year, and we purchased it back in September, so it is possible that the prices have risen since then. But it does seem strange that you were quoted more for a 3-month trip than for a year-long policy. We’ll have to do a little digging. Thanks for bringing our attention to this!

  11. vigilante3@rocketmail.com says:

    Beware of the trick a lot of these companies pull. Most will have a clause in the fine print stating that the insurance cover ends when you return to your home country. This means that if you have a serious accident/injury for example, they will weigh up whether it is cheaper to ship you back to your home country versus your costs recovering locally. If you don’t have good medical coverage in your home country you are f**ked.

    • bwzweber@gmail.com says:

      Hey Vigilante, thanks for your input, but the point of getting travel insurance is so that you are covered when you are traveling, not when you are at home in your respective country. It’s always a good idea to have health insurance in your own country.

      Also, for travel accidents/injuries, the traveler decides whether to get care in the country they are traveling in or to fly home. Either way the traveler pays the cost upfront and (as long as you have documentation of your decision) the travel insurance will cover your expenses.

  12. Sarah says:

    Hello!

    I was just wondering when you lived in Korea, did you ever apply for World Nomads?

    I am just having difficulty answering the permanent residency question

    I know I shouldn’t be asking for travel insurance advice (as a disclaimer) but I am just a little confused because I emailed the company and I couldn’t get a really direct clear answer…

    When you lived in Korea, and if you chose World Nomads, what did you choose as your permanent residence country?

    The thing that is confusing to me is that it says a few things, but primarily I am confused about:

    Have access to long term medical care through a national health insurance scheme and/or private health insurance (not including reciprocal health agreements)

    Will be repatriated to for ongoing medical care if you’re unable to continue your trip

    …I don’t have insurance in the United States, and If something severe really happens I might however go back there….However I have insurance in South Korea….

    I am an English Teacher.

    Do you have any advice? Or may I ask what would you have put in this field when you were living in South Korea?

    Thanks!

  13. drazianaziz@gmail.com says:

    Dear Katie and Ben. Love your blogs and have always used it for my travel references.
    My husband and I will be doing the EBC in Mei and we are looking for options for travel insurance. Your blog is really helpful.
    Thanks and keep em’ coming.

    Azian
    Malaysia

    • ktdieder@gmail.com says:

      Hi Azian, what a wonderful thing to hear ☺ Thanks so much for following along – we are so glad that we’ve been able to give you some helpful information. Have an amazing time doing the EBC – we both were just talking about how we wish we could go back this year! It is truly a special place and you two will grow a lot together and make lots of memories! Best of luck, friend!

  14. Kat says:

    Hi guys! I love your blog. I (finally) booked my 3-month trip to South America, and I really appreciate all of the good information you’ve posted. Much appreciated! My travel insurance affiliate linking goes to you both! Happy and safe travels!

    • ktdieder@gmail.com says:

      Thanks so much for the sweet words, Kat. I’m so happy this information has been helpful. Wishing you the best of luck on your journey – you are absolutely going to love South America! Have a blast and let us know how it goes!

  15. dr.rekhashah@yahoo.com says:

    hi,u have nicely described insurance information.we r also indian couple,travelling a lot.i agree with all u have said. dr.mrs.rekha shah

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