If you travel a lot – scratch that – even if you’re about to travel abroad for the first time, travel insurance is one of the most important things you can’t afford not to have. Your car is secured by it, your home has it, and your trip definitely needs an insurance as well.

The easiest answer to your “why?” is because travel insurance can provide you support in times of accident or unexpected circumstances pre-and on flight. You’ll get medical coverage when you get injured or sick, get reimbursed when your camera breaks, your flight got canceled, a family member dies and you need to come home, if you lose a bag, or something is stolen. To this effect, you need to know how to spot an insurance provider or better yet, review travel insurance comparison from expert reviewers.

If expert travelers can tell you just one thing, it’s to get a travel insurance and never leave home without it because chances are, you’re bound to experience a bad incident, whether you like it or not.

Finding a comprehensive and high coverage limit. There are lots of options out there, thus you face a mind-numbing number of choices that can be overwhelmingly confusing. And sometimes, in the fine print, you can find plans that aren’t as good as you thought. When you start looking for a plan, ensure that the provider has a high coverage limit on your medical expenses.

A good company may provide hundreds of thousands in coverage care, with more expensive plans covering you based on your needs. The limit is important because if you get injured, sick or need serious medical attention, etc., you’ll be able to have everything covered by the policy. Whatever you do, don’t be cheap with your health.

Here’s a checklist of provisions most great policies will offer:

  • Cover for most countries in the world
  • Limited coverage for your electronics (you have the option for a higher coverage limit)
  • Cover for injury and sudden illnesses
  • Twenty-four-hour emergency services and assistance
  • Cover for lost, damaged or stolen items like jewelry, documents, baggage, cameras, etc.
  • Cover for sudden cancellations like hotel bookings, flight, as well as other transportation bookings if you have an unexpected illness, death in the family, or other emergency
  • Cover for a wide range of emergencies, strife in the country visited, etc., that may cause you to head home early
  • Have adequate financial protection if any company you are working in goes bankrupt and you became stuck in another country

End Note

The best way to assess the many hundreds of service providers in Australia is to check travel insurance comparison online. This allows you to cross and fact check policies against each other. No matter what company you choose, remember that all plans are different and you need to choose the one that suits the type of trip you are taking. Accidents happen in real life and the road is uncertain.

You know what they say, it’s better to be safe than sorry, especially when you go in a different country, hundreds and thousands of miles from home.