Four years ago I wrote a post titled “9 Ways I Break Conventional Travel Wisdom”. One of the items (which I wasn’t proud of at the time) was that I traveled for a significant time without travel insurance. I got lucky that nothing serious happened to me while I was traveling without insurance. I have several friends who have had serious accidents while they were on the road, some of which required evacuation.
For the last 3 years I’ve been traveling fully insured. Given how much I travel, I get an annual policy which covers all of my trips for a given year. I now make sure that my policy gets renewed at the beginning of every year and that not a day goes by where I don’t have coverage.
Many people are confused by travel insurance. What I hope to do here is a give a brief overview of what travel insurance usually covers and what it does not.