Buying the cheapest holiday insurance makes many people feel safe during their travels, especially nowdays when most banks provide credit cards combined with international travel insurance for their clients.
However, when you travel, things can - and sometimes do - go wrong when you least expect it. Adequate travel insurance helps to protect you - and your bank balance too.
Tips to Choose a Suitable Travel Insurance
Here are a few things to check out before you choose your travel insurance to make sure that you will be covered on your next adventure:
Cancellation: It's no fun if you fall ill before you leave and can not go on your trip. To claim though, you have to buy your insurance policy when you buy your trip. Not all insurance policies cover cancellation, so please read the policy wording relevant to you carefully.
Lost or Stolen Gear: most holiday insurance policies have a per-item value limit - make sure its high enough to cover your gear or choose a policy that allows you to increase the limit.
Medical expenses over and above evacuation: check that your cover includes emergency treatment while away and transport to bring you home - remembering that insurance providers will usually insist on getting you home as soon as you are fit enough to travel.
Adventurous Activities: look carefully at what your policy covers - you may find that you are not covered to do all of the adventurous activities that you are planning while you're away.
Personal Liability: Accidents happen. If it's found to be your fault and someone decides to sue you, you want to be covered.>
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, civil unrest or environmental disasters (like volcanoes, earthquakes, floods) and other major events where you may be at risk.
Adventure Travel Insurance
Snorkeling and scuba diving in Aqaba, camel riding, rock climbing and hot air ballooning in Wadi Rum, horse riding in Petra and canyoning in Wadi Mujib - just a few adventures you might want to try in Jordan.
Does your travel insurance cover all these activities? You'd better check it out.
Exactly which adventures they will and won't cover varies, depending on your country of permanent residence. Check their A to Z guide to adventure, to make sure all of activities you're planning to do on your trip are covered.
Be aware, participation in any professional sports or any activity where you purposefully put your life at risk are generally excluded and, depending on your country of permanent residence, there may be restrictions or upgrades on coverage for certain activities.
Do read the fine print in the policy description of cover carefully, to make sure the travel insurance is right for you and you understand what you're covered for (and not). Contact WorldNomads.com if you have specific questions about their adventure sport coverage.
WorldNomads.com travel insurance is favoured by many backpackers and recommended by influential travel sites like Lonely Planet but it's not just a student travel insurance you might think it is.
Families looking for the cheapest holiday insurance or groups seeking scuba insurance will find that WorldNomads.com travel insurance is a very good value-for-money, flexible and easy to manage travel insurance policy with great customer care.
"Driver and vehicle were very acceptable - and in light of the driving/vehicle conditions in Amman this was most welcome. The service is on the expensive side when compared with the local taxi service but, in my opinion, most worthwhile. The driver was welcoming and very helpful. Luggage handling was completely handled at both ends of the trip in a very professional manner. I would definitely use this service again."