Insurance is the first thing you need to consider if you are planning to leave your homeland for a while. It doesn’t really matter how long you will be away, you never know what might happen. While we don’t want to always assume the worst, being prepared and thinking ahead does help a lot and you will find the truth to this if you ever find yourself on your way to the top of a small mountain, in the middle of a jungle or in a tiny distant village where you don’t know anyone and might not even speak the language. Insurance is a must so make sure you set some money aside to be able to afford it. Here are a few things you should consider when thinking about insurance:
Not having an insurance can be very pricey
You’ve probably already been on various trips when nothing happened. However, accidents are called accidents for a reason – you can’t plan them. If you ever end up in a bad situation and you haven’t purchased an insurance, you and your close ones will have to pay a large sum of money to cover the costs. This is something that can easily be prevented with the advantages of an insurance.
The price isn’t the main factor
Read into it and make sure to purchase an insurance that fits your plans, not just from financial perspective. The cheaper ones sound better at first but do make sure to do your research and pick the right type of insurance as this will save you a lot of headaches along the way.
The risk of taking risks
Some policies cover only things like lost baggage and thing that have little to do with your health. Consider your options wisely. If you are on the road, you will want to experience risky activities such as kayaking, rifting, maybe even bungee jumping. Make sure you’ve picked an insurance policy, which covers the risk of being spontaneous while travelling.
Read the fine print
Make sure to read and understand the content of the policy. Don’t always make assumptions based on the price of the insurance, but also think about what amount of the deductibles it sets to cover. Become familiar with what it actually covers in detail from your health, to your belongings, or does it address just one of the above? Make sure you know what is required for you to action in a case of an injury to prove to your insurance company that you have taken the necessary steps before contacting them. In short – make sure to know your policy’s terms and conditions inside out.
Know the claim procedures
Read the insurance terms and ask questions about things you don’t understand. It’s not an easy choice to make and you are after all paying a lot of money, so you better do your research to make sure your insurance plan is the right one for you. Understanding how to make claims can be the difference between your claim being accepted or rejected. If it has been rejected, you will be down with a heavy amount of money so make sure you understand how the system works. Also, dig into the different types of insurance companies as there are cheaper and more reliable ones, depending on where you are based. Luckily, there are always people who have been there, done that, so you can always consult friends or fellow travellers to discuss their choices in the matter. An equally important thing to remember is to keep your receipts and records for future referencing.
Get some advice on purchasing a good insurance policy from a trusted company. Also, think about taking the necessary vaccines depending on where you’re travelling to. It is essential to be prepared. This will be money well spent. Even if nothing happens to you, which we hope it won’t, in the unfortunate case of an accident occurring you need to be able to turn to somebody for help. In this way of thinking, it might be useful to remind you to always bring your first aid kit with you and keep it in an easy to reach place in your luggage. You might be able to treat yourself and take care of any wounds with the help of your aid kit supplies, however having an insurance will help you just as much.
RENEW YOUR INSURANCE POLICY
It is a common practice for insurance companies to not allow you to renew your policy while on the road. If you are outside of your home country, it becomes difficult to navigate this problem. Here are a few things you need to know if your insurance comes to an end while you’re still travelling.
There is always an option – research the names. Often different companies offer a variety of insurances with advantages that others don’t consider. The longest insurance you can purchase if often 18 month long so if you are planning on being away for longer, you will need to get a second insurance at some point down the line. As we mentioned already, most companies won’t renew your policy unless you are physically in your home country, however there are always the exceptions. Research and know your options. Some policies are specifically designed for long-term travellers so take advantage of it if you need it.
Value and flexibility – the different policies have additions, which others don’t. Pick your insurance wisely and make sure you think about the flexibility of it and the value for what you are getting. There are affordable insurances out there, you just need to find them.
KEEP YOUR DOCUMENTS SAFE
Things happen when you travel. People lose things even in their own homes all the time. When you are on the road, moving constantly, it is easy to forget to take something when you’re leaving your Airbnb room. Sometimes you lose things on the way. Other times people steal things from you.
You can never know what kind of adventure awaits you and unfortunately this applies to scenarios as this one as well. What you can do is stay organised and make sure you have everything you need and go beyond by backing up any important documents you carry with you.
Have an insurance policy
It is as important as having vaccinations and having your ID on you, so don’t underestimate it.
Have a copy of your ID and Passport
Always make sure you have backups to those types of document. They are expensive to get and if you think about it are the most important and some of the few existing pieces of information that can prove your identity. Guard them well.
Copy of your VISA
It is needless to say just how important is a VISA. Making sure you have it on you and have a copy of it, which you hold in a different place is a must.
Keep records of any medications that you might need as at places you will possibly have to prove why you need them and if you are allowed to carry them with you. This includes vaccination records, allergies prescriptions and any additional information that you require.
Proof of onward travel
Now many countries need this, yet there are some that will ask of you to provide those documents. This can take the form of a plane ticket, a bus ticket and so on. Having them will grant your entrance through the border, while failure to provide them means you will not be able to continue your journey further.
A good idea is to leave a copy of your documents at home in a paper as well as electronic form. This way, if you are ever in a far-away land and need them urgently, you can contact home and using internet you will be able to resolve any problems.
Additional thing you can do is have a USB where you store all your documents digitally so you can have access to them from anywhere in the world without needing internet to open the files.