Finally, going on that dream trip? Planning each day’s activities! Visualizing in your head that white sandy beach, mountains that reach the sky, and food that just takes you to another world! All the wonderful things you will experience are just a short time away and the excitement is palpable.

Then there is the less fun aspect of planning a trip. Yes, we are talking about insurance. Something you hope you will never need but are thrilled you have insurance when you need it.

Let’s face it shopping for travel insurance is not the fun part of planning for a trip. I mean what does all that fine print really mean?

So many options and coverages are available. Which insurance will actually cover you and what do they cover?

I have been traveling and using travel insurance for my trips since 2018. Always gives me peace of mind knowing that I have the coverage I need in case something goes wrong.

This list will help you get an idea of what is available from the top travel insurance companies. As well as which one I currently use for myself.

TOP PICK: Safety Wing

Safety Wing is a very popular choice with digital nomads and remote workers. Safety Wing has options available for the type of coverage you may need.

Safety Wing:

 

• • Affordable monthly plans for different age groups

• • Plan can be purchased before your trip. schedule when you want the coverage to start.

• • File claims online

• • If you are abroad for more than 90 days the coverage can be extended for 30 days in your home country when you return.

• • Up to $5,000 for trip interruption, with no deductible!

• • Best for Digitial Nomads and budget travelers

The flat monthly rate is based on coverage and age, with a deductible, you will have to pay.

Electronics such as laptops, phones, and tablets are not covered. If electronics are lost in checked baggage then claims can be filed for up to $500 for each item.

Positives

 

• • Affordable

• • Online claims

• • Covers ages up to 69

Negatives

 

• • Deductible

• • No trip cancellation coverage

• • Claims paid by wire transfer or check, no direct deposit

• • Electronics limited in coverage

Safety Wing is great for the budget-minded traveler. Provides that medical coverage you hope you never need for a good price. Just don’t get that laptop damaged because of the limited electronics coverage.

Plans start at around $40 USD per month plus deductible for travelers 18-39 years old. USA travel, monthly plans cost $77 USD per month.

Medjet

Medjet is the premier global air medical transport and travel security membership program for travelers. Plans focus on getting you help and getting you home in a medical emergency.

According to the Medjet website:

Insurance gets you to the “nearest acceptable facility”.
Medjet membership can get you home.

Short and long-term plans are available for whatever your travel plans, Medjet has a plan for coverage.

Medjet Positives

 

• • Medical transport coverage to get you home

• • Choice of the medical facility to be moved

• • No requirement for government-issued warnings to initiate evacuation

• • Medical transfer available in the US as well as abroad

• • Expedited transfer back to home country

• • Short-term and annual plans

Negatives

 

• • Available to USA, Canada, and Mexico travelers

• • No coverage for trip cancellation or baggage

Insure My Trip

Insure My Trip is a company that recommends coverage based on your needs. Operates as a warehouse of insurance companies to find the coverage that best suits your particular needs.

21 different insurance providers are listed on Insure My Trip. A great option for the over 65 travelers. Insure My Trip offers Cancel For Any Reason coverage so you can recoup some of your travel expenses for any reason.

Insure My Trip:

 

• • Good prices

• • Over 65 coverage

• • Compare policies from over 21 companies to get the best price and coverage

• • Cruise coverage

• • Advocate for claims if the claim is disputed

Pros

 

• • Plan options

• • Over 65 senior coverage

• • Denied claim advocate

• • Cancel for Any Reason Plans

Cons

 

• • Third-party company

Insure My Trip is a great option, especially for seniors over 65 travelers.

Insured Nomads

Insured Nomads offers travel insurance, as well as options for long-term traveler coverage.

Greta option for ex-pat and digital nomad crowd for travel insurance that covers routine doctor visits, and medications, Telemedicine is also a service that Insured Nomads plans provide.

Insured Nomads plans do more than emergency-type travel insurance plans. These options come at a price so it is best suited for the remote workers and digital nomads of the world.

Positives

 

• • Routine care coverage

• • Mental health coverage

• • Prescription medication coverage

• • Family plans

• • Telemedicine

Negatives

 

• • Sign up for a quote as prices vary

• • Expensive

• •  

Best suited for the remote worker, digital nomad crowd.

I will leave you with this parting thought: You get one life to live. So enjoy yourself, it’s later than you think.