Travel insurance Rocks!

temple top


Falling off a temple in Cambodia was not on my list of things to do. Nor was the emergency attention and bed and breakfast at the Angkor International hospital in Siam Reap I got after my fall.

The hospital was great. Efficient, caring and competent. As was my travel insurance company. It reminded me of why I have travel insurance. For me, it is essential as clean underwear.

Yet it is estimated that a very high percentage of travellers have no insurance. In a survey conducted in 2012 for the US Travel Insurance Association found that one in eight U.S. adults (12 percent of travellers)—had their travel impacted. Yet, of the travelers impacted, only 29 percent had purchased insurance.

In my 45 years of travelling, I have only needed to claim twice before. This trip made up for it.

Photo 2013-12-27 15 48 45


Tips for buying.

  1. Do some research. People spend weeks searching for the best air fare, hours poring over the best hotels and seconds choosing travel insurance
  2. Don’t just buy what your travel agent tries to sell you-they are on commission
  3. Likewise I avoid buying what an airline tries to sell you on line.
  4. Don’t grab coverage from one of those machines that you see at some airports- usually huge fees for low coverage
  5. Many Credit card companies offer automatic travel insurance. Check carefully. Do you actually have to pay for the fare with your card to be covered? What is excluded?
  6. What benefits do you need? I want Trip Cancellation/Interruption, Travel Medical Insurance, Rental Car Coverage, Death. Helpful is Lost or Stolen Baggage but I travel with as little baggage as possible so I am not too worried
  7. Check your company’s coverage levels – is it sufficient to cover the cost of medical attention in the place(s) you are going to visit?
  8. What is excluded/included? Make sure your policy does not exclude activities you are planning to do eg water skiing
  9. What parts of the world are excluded? eg Are you covered for evacuation if you are in Egypt? Are your medical expenses covered on Kashmir? Will you get assistance in Bangkok?
  10. Carry the company’s telephone number and your policy number with or on you.
  11. Back your travel insurance documents on Dropbox or Google Docs
  12. Make sure others on your travel group have your company’s phone number and policy number
  13. Give your travel insurance details to your next of Kin (seriously) unless they are travelling with you (again seriously).
  14. Make sure someone at home has your details
  15. Treat insurance claims staff with respect and politeness
  16. Listen to the advice of the insurance company and consider it before reacting
  17. Be firm with your insurance agents if you need to be
  18. Keep all paperwork

Helpful Links

Here are some sites where you can compare policies. I make no claims or recommendations here. Click on the country name to be taken to the relevant site.

Australia: Compare Travel Insurance

Canada: Insure My Trip

New Zealand: Compare Travel Insurance

United Kingdom: Money Supermarket

USA: Square mouth


Related Posts:

Travel Tip Back up Your Documents  

Travel Tip: Take Travel Insurance



  1. […] The Dhammayangyi Temple is the largest structure in Bagan. It was built by King Narathu between 1167-70. It is located about a kilometre to the southeast of the Old Bagan city walls. My biggest disappointment was that the terraces and  stairways leading to them are  off limits to tourists. I would have loved to climb despite my predilection to falling off temples. […]


  1. Great post! I have used IMGlobal for my travel needs and have found them easy to work with and very helpful for visa letters as well. Fortunately, I have not had to use them at all yet. I am very glad your insurance worked so well for you (though it is a shame that you had to use it).

  2. Thanks for all the tips which were pretty useful. After all these considerations, question is which one or ones do you prefer. Do you have any particular likes and why?

  3. Yes they have. We are a diverse group. As I state, it is important to do your research. I would not travel without it.

  4. Insurance is such a unique product – I always recommend people see what works best for them. The links in my article will help.

  5. Bummer about the fall brother! When I was at Angkor Wat hiking around some of those crazy temple steps I thought about how much it would suck to take a tumble down those. Hope you are doing well bud.

  6. Glad that you are on the mend! I would add that if you are a frequent traveler you might want to consider an annual policy. I finally bought one this year and it has been nice to not have to go through the added step of purchasing insurance for every trip.

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