One very important part of planning for vacations that a lot of students don’t take into account, is travel insurance. I am currently overseas to teach English and insurance is something that has been on the top of my list. While my employer will be providing me with medical insurance, travel insurance is something else on its own.
1. What Is Travel Insurance?
While medical insurance only covers you if you get sick, or need a prescription or antibiotics, travel insurance protects your property should it become lost or stolen. It can also cover you in the event of a family death that you need to come back to the states for, lost luggage, or a trip cancellation.
2. How To Get It?
First, see if your current health, car, or house insurance provider offers it. If they do, get a quote! If going through an already existing insurance provider isn’t an option, ask around to see if any of your friends or family has ever had to get travel insurance and whether or not they can recommend someone. Or you can use a travel insurance cost comparison website, such as tripinsurance.com, squaremouth.com, or Lonely Planet. Also, the U.S. Travel Association ranks travel insurance companies in good standing.
3. What To Include?
What you decide to have included in your insurance is up to you. Keep in mind, though, the more you have included, the higher the monthly price will be, so be sure to tailor it specifically to your trip and budget.
Travel insurance is great to have no matter where you are going. The longer you plan to travel, the more highly I would recommend getting it.