Here are a few things to consider when choosing your travel insurance plan to make sure it's right for you and covers all the things you want:
Cancellation: It's no fun if you're seriously sick or injured and cannot go on your trip. To claim though, you should buy your insurance policy when you book your trip. Not all insurance policies cover cancellation and may only cover it for certain reasons or at certain times, so please read the policy wording carefully before you buy it.
Medical expenses over and above evacuation: Check that your cover includes emergency medical treatment for serious injuries, illnesses and accidents while overseas. There may not be cover for pre-existing medical conditions you (or others) have before you buy the insurance, so check this carefully. Be aware: travel insurance doesn't replace health insurance at home and won't cover you for general checkups, major dental work which can wait until your return or other medical treatment at home.
Medical evacuation & repatriation Check the cover for emergency medical transport to get you to an appropriate hospital or to bring you home if you're unable to continue your trip. Remember, insurance providers may insist on getting you home as soon as you are fit enough to travel and you need ongoing medical treatment, which you can receive at home.
Stolen Gear: Most travel insurance policies have a per-item value limit. Make sure it's high enough to cover your gear. You may be able to choose a policy that allows you to increase this limit for individual high value items like laptops, cameras and mobile phones. Either way, always carry your valuables on you and never leave your gear in a place where they can be easily stolen. This includes shared dorm rooms and other public places like cafes. All policies will explain the items that are covered and the situations when you can make a claim, so read the baggage section carefully.
Adventurous Activities: Look carefully at what your policy covers - you may find that some adventurous activities are automatically included and some excluded. You might have to upgrade the cover when you buy it to include all of the activities you're planning to do.
Work, volunteer & study experiences: Be sure to check if you're covered to work or do certain activities while studying or volunteering or if you can upgrade your cover when you buy it. Certain higher risk experiences and personal liability while working may be excluded. If in doubt, ask.
Personal Liability: Accidents happen. If it's found to be your fault and someone decides to sue you, you want to be covered. Not all policies cover this, so if that's important to you, read the policy wording carefully.
Is it safe to go there? Make sure you check the your Government's Travel Warnings and keep up to date with the latest travel safety advice on the road. You may not be covered if you choose to go to a place affected by war, terrorism, riots or civil unrest and other major events where you may be at risk. Also check the policy carefully to see how the cover works if your trip gets interrupted by an environmental disaster (like volcanoes, earthquakes, floods), some policies cover this, others don't.
Important things you need to know: Travel insurance is not designed to cover everything, so please read the full description of coverage (policy wording) carefully when you get a quote, to make sure this travel insurance is right for you, your trip and all of the adventurous activities you'll be doing. What's covered (the policy benefits, limits, terms and conditions) and what's not covered (policy exclusions) will vary depending on your country of residence, the plan you choose, how many people are travelling on the policy and any applicable upgrades or options you buy. Never assume you're covered, simply read the terms and conditions carefully so there are no surprises if you do need to use it. If you have questions, just ask World Nomads.
* Topdeck clients are required to have comprehensive travel insurance policies to cover them for the full time they are travelling with Topdeck, except when travelling in Australia or New Zealand where insurance is highly recommended but not compulsory.