When planning a trip, whether it’s a weekend getaway or a long-term adventure, one essential aspect often overlooked is travel insurance. Many travelers believe they won’t need it—until they do. I used to be that traveler, but after becoming a full time nomad and experiencing some not-so-ideal travel related upsets, I have fully converted to a covered traveler 100% of the time.

From trip cancellations, lost luggage, medical emergencies, and adventure sports coverage, having the right travel insurance can save you thousands of dollars and a lot of stress.

Why Travel Insurance is Essential

1. Medical Emergencies Abroad
   Health care costs can be astronomical in some countries, and many plans don’t cover international expenses. Travel insurance ensures coverage for illnesses, hospital stays, and medical evacuation. I am talking spider bites, extreme sport injuries, car accidents, rolled ankles, and common colds –> cover all your bases.
2. Trip Cancellations & Delays
   Good travel insurance policies reimburse non-refundable expenses if your trip gets canceled or delayed. I have probably used this perk the most out of all the benefits.
3. Lost, Stolen, or Damaged Belongings
   Travel insurance helps cover the costs of replacing lost items. This is essential for photography gear and sporting equipment.
4. Adventure & Extreme Sports Coverage
   If you’re into activities like scuba diving, skiing, or bungee jumping, standard insurance might not cover injuries related to these high-risk adventures. Specialized travel insurance can ensure you’re protected. I am a skydiver, scuba diver, cliff jumping, rock climber, etc. and I need these kind of protections incase I hurt myself.
5. Emergency Evacuations & Repatriation
   In serious cases, medical evacuation to your home country or a top-tier hospital may be required. Remember when covid happened? Travel insurance helped me get home ASAP.

Top Travel Insurance Providers in 2025

1. World Nomads

Best for: Adventure travelers and backpackers

• Covers a wide range of adventure sports, flexible policies, and global coverage. Their plans include trip cancellation and gear protection.
• https://www.worldnomads.com/usa/travel-insurance?utm_source=7495742&utm_medium=affiliate&utm_campaign=Affiliate&utm_content=quick_quoteUse my referral link!
• I receive a fee when you get a quote from World Nomads using this link. I do not represent World Nomads. This is not a recommendation to buy travel insurance.

2. Faye Travel Insurance

Best for: Tech-savvy travelers and seamless digital experience

• Faye offers 100% digital travel insurance with real-time alerts, claims management, and reimbursements via their mobile app.
• It covers trip delays, cancellations, medical emergencies, lost luggage, and pet coverage.
• Although newer to the industry I have used Faye more than any other provider in the last few years.
• Use my referral link!

3. SafetyWing

Best for: Digital nomads and long-term travelers

• Affordable monthly plans, worldwide coverage, and options that cater to remote workers and expats. SafetyWing is great for fellow fulltime travelers.
• Use my referral link!

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4. Allianz Travel Insurance

Best for: Comprehensive coverage

• Well-established service great for long-term travelers and families.
• Customizable coverage options including medical, trip delays, and baggage loss.

5. IMG Global

Best for: Expats and frequent travelers

• Offers long-term coverage and extensive medical benefits, including emergency evacuation.

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How to Choose the Best Travel Insurance Plan

• Assess Your Needs: Consider factors like your destination, planned activities, and trip duration. If you’re going on a cruise or engaging in extreme sports, ensure those are covered under the individual plans.
• Check Coverage Limits: Some policies have low limits for medical expenses or baggage loss. Read the fine print to ensure the coverage meets your needs.
• Look for Exclusions: Some insurance plans won’t cover pre-existing conditions, high-risk destinations, or specific activities.
• Compare Prices & Reviews: Cheap insurance with inadequate coverage is not worth the risk. Prices change all the time but I found the best rates with my top 3 recommendations (World Nomads, Faye, and SafetyWing), so start there.

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