Nowadays, many countries are jumping on the travel insurance train and insisting that any traveller to that country should have some form of insurance. Whilst that may not yet be the case in South East Asia, it pays to be savvy and have some form of protection whilst you’re out and about, right? So how do you go about choosing the best insurance for your personal needs?
The common problem
There is one hurdle that most expats face when it comes to buying travel insurance. Often the best deals stipulate that you must be resident in your home country. For those who have rescinded their passport, ID card or who simply have lived abroad longer than they have lived in their domiciled country, it can prove to be a rather insurmountable problem. So let’s take a look at some providers who might be able to help.
This has huge breadth and is open to residents of over 180 countries. There is no minimum age requirement, and applies only for those travelling outside of their home country. A huge draw is that Atlas covers adventure sports, which many providers do not do. There are some exceptions, but if you fancy a scuba diving holiday, then Atlas is your go-to insurer. They also provide for emergency medical evacuation and repatriation, which may sound extreme but when you need it, it’s something you really don’t want to be without. Best of all, your policy can be easily managed online.
These guys are pretty popular and often top the list of the best travel insurers out there. Again, quotes and policies can all be managed online. You can even make claims online, which eliminates the dread of lengthy and expensive phone calls back to the provider. They have global coverage, cover adventure sports, and you can extend your policy as you go. Double check age requirements however, as they are slightly more restrictive than Atlas and will depend on your country of residence.
This provider is only open to US citizens but their plans are extremely affordable and are valid for international travel. They also have different plans depending on your individual needs and you can choose from platinum to The Great Outdoors, which is specifically for adventure enthusiasts.
Again, this is only open to US citizens but they do have some options for people outside of the US. They offer plenty of additional extras, such as coverage for damage to rental cars and dental problems. You can easily switch your policy for when you move back home to cover you there too, as Allianz offers packages for both domestic and international insurance.
This one is strictly for British citizens, but they have a wide range of plans available for almost all types of travel. They have annual, monthly and even weekly plans depending on your travel time. You can also adapt your plan to include multiple entry, which is something that many plans ignore entirely. Affordable and easily manageable online, Insure and Go have plenty of options for the intrepid traveller.