Which travel insurance to choose for a world tour?
25 July 2024
Travel around the world, a dream that could turn into a nightmare if you are not well prepared. And one of the key stages of this preparation is the choice of a travel insurance. Indeed, no one is safe from a health problem, an accident or an unforeseen event that could ruin the trip of their dreams. But how to choose from the anthology of travel insurance offered? What are the preferred guarantees? What are the pitfalls to avoid ? This is what we are going to see together.
Why take out travel insurance for a world tour?
For a long-term stay abroad, it is essential to take out a travel insurance. For what ? Quite simply because your health insurance or social security will not necessarily cover your medical expenses abroad. In addition, some countries such as USA where the Canada have very high health costs, and without insurance, the bill can quickly become steep.
Travel insurance is not limited to covering medical expenses. It can also include a repatriation assistance if necessary, guarantee in the event of loss or theft of luggage, civil liability for damage you could cause to others, and many other guarantees depending on the contract you have chosen.
How to choose your travel insurance for a world tour?
To choose your travel insurance, it is important to compare the different offers available on the market. You must take into account the value for money, but also the guarantees offered, the deductibles, the length of stay authorized in each country, the subscription procedure, customer service, etc.
There are specific insurances for world tours, such as Cap Aventure Or Globe Partner, which offer very comprehensive contracts, adapted to the specific needs of this type of trip. Do not hesitate to use an online comparator to make your choice with full knowledge of the facts.
Finally, be careful not to confuse travel insurance with the travel assistance of your bank card. If the latter can offer additional guarantees, it is generally not enough for a world tour.
The essential guarantees for a world tour
Not all travel insurance is created equal, and it is important to ensure that certain guarantees are included in your contract. Medical expenses abroad must be covered without deductible, with a sufficiently high ceiling. Repatriation assistance must be guaranteed, as must civil liability.
Early return in the event of a major problem (death of a loved one, natural disaster in the visited country, etc.) is another guarantee not to be neglected. Finally, if you plan to do sports during your world tour (diving, trekking, etc.), check that these activities are well covered.
Pitfalls to avoid when purchasing travel insurance
There are a few pitfalls to avoid when purchasing travel insurance for a world tour. The first is to underestimate the cost of care abroad: even in countries where health is cheaper than in Europe, hospitalization can be very expensive.
Another trap is not checking the exclusions of guarantees: certain insurances do not cover so-called “risky” countries, or certain activities considered dangerous.
Finally, make sure you understand how the deductible works: it is the amount that will remain your responsibility in the event of a claim.
Choose one travel insurance for a world tour may seem complex, but it is actually quite simple if you take the time to compare the offers and understand the guarantees offered. Remember that the main thing is to travel with peace of mind, knowing that you will be well covered in the event of a problem. After all, a world tour can be planned, but above all it can be experienced! So, are you ready to pack your bags?
