With so many travel insurance policies on the market, who can you trust when it comes down to travel insurance for families? After all, your family is your most precious asset and should anything go wrong while you are creating family memories, you want to make sure you have the best policy for your protection.
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Prior to my photography & travel blog career, I worked for NAB (National Australia Bank) as a banker for many years. One of the products we offered our clients was insurance policies for various things to do with lending and home ownership. The biggest lessons I learnt about insurance during this time is that any insurance policy available, regardless of price, is only as good as its fine print & claims department. Whats the point of having an insurance policy if the company finds all sorts of reason to NOT assist you in your moment of need. You can search for the cheapest policy all day long and good on you if you can find the deal of the century, but my question to you is, will they be there for you if things go to poo while travelling.
I witnessed in my banking career the risks families took by NOT having insurances. I sat and watched several families discuss high protection policies protecting their wages while signing up for mortgages etc and then rejecting the policy as it was deemed too expensive. More couples rejected the policy than took it. But my worst days in my career was those when we were desperately restructuring loans to help families save their family home because a partner passed away, got ill or lost their jobs. It happens way more than people want to think and not everyone kept their homes. But what does this have to do with TRAVEL INSURANCE for families? Well I am glad you asked.
Travel insurance is one of those things that families question when paying for their family travels. Do we really need it? How often do bad things happen when travelling? Can we afford it? These are all things we have asked ourselves too in the past. But if bad things happen to normal every day families paying off mortgages, then my bet is crappy things happen to normal every day families when they are travelling too.
Travel Insurance for Families
The above may sound a little morbid or scary and travel insurance is never an exciting or fun conversation that everyone embraces when planning family holidays. If you are like us, its just one of those things we purchase with out second thought as soon as we have confirmed reservations for travel. Its necessary, its a safety net and if anything goes wrong, its nice to know you have someone standing with you in your corner.
Have we ever had to claim on our travel insurance? Absolutely. We have been fortunate and never had anything major medical emergency except for that one time in Fiji in 2009. We were visiting Fiji for my sisters wedding and my older daughter was only 11 at the time. She was happily playing in the water with her friend jumping in the ocean from a Bamboo swing tied to a overhanging Coconut Tree. As she jumped up from the water, she met the swing and it smacked her in the face, knocking out half of her front tooth. Emergency root canal was our focus for the next 3 days in Nadi (4 hour round trip each day) We had to hire cars, get appointments back to back and of course, none of this came cheap, even for Fiji. Our insurer covered everything and it was such a good feeling knowing we didn’t have to cover the unexpected expense that could have ruined our time there.
And then there was that time in Vietnam when our Go Pro got stolen from our bags while we were in transit. A silly error but we left it in a side pocket easily accessible to anyone handling the bag. It was taken and we didn’t discover it until we needed it several weeks later in Cambodia. No problem said our insurer, they showed us what we needed to do and got us a new Go Pro.
Have you thought about what it would cost you if one of your family was sick and needed to be hospitalised in a foreign country? Have you thought about how it would ruin your trip if your camera was stolen? or if your bags never arrived to your designation leaving you with only the clothes you have on your backs? Have you thought about what you would do if you are on your way home, on your last dollar and suddenly your flights are cancelled leaving you having to get taxi’s, hotels over a day or several?
Hopefully I have now managed to show you the importance of travel insurance. Its not like you are going to need to claim on travel insurance every time you travel, and maybe you will be one of the lucky ones that never ever has anything go wrong. But if you do ever need to make a claim on that policy, you are going to kiss every inch of it when you realise you are fully covered.
Which Travel Insurer do We Use?
World Nomads is our insurer of choice. We never leave home without a travel policy in place with these guys. They cover our needs and our style of travel. Not many companies will cover you once you have left your country of residence. But World Nomads insurance does. If you have already left for your trip, then get onto them now and get a quote. If you have a trip planned. Bookmark this page and get your quote once you have your dates of travel!
(Get your quote here)
World Nomad Policy Benefits
- Cover 150 countries and one of the reasons we love them so much is they cover our official country of residence FIJI!!
- If you’re traveling and want to travel longer, World Nomads lets you buy more cover to keep you on the road.
- 24/7 Emergency Assistance – Their multi-lingual assistance team can help you when you need it most, connecting you with medical treatment and transportation.
- They cover over 150 Activities. Read policies carefully because a lot of insurers do NOT cover you for certain standard activities – Like bungee jumping in New Zealand? (who the heck does that!!) And Elephant riding in Thailand? (please don’t ride Elephants people!!)
This is just a few, we recommend you pop over to their website to read all the benefits and inclusions in their policies but we can personally advise that they were incredibly professional when we needed to claim on our policy and we wholeheartedly recommend their services and product. They are competitive with similar level insurers. They are not the cheapest but they are certainly the best we have found over the years.
Do you struggle purchasing a travel insurance policy? or have you ever had to claim on a policy while travelling? I would love to read in comments about your experiences with “Travel issues” and policy providers customer service.