Travel insurance is highly recommended for long trips and trips around the world. Indeed, whether it is an illness or an accident, medical costs can quickly skyrocket.
Of course, things are different when you travel inside or outside the European Union. The best way to protect yourself when traveling the world is to purchase global travel insurance.
Why take out travel insurance to travel around the world?
When we prepare for our world tour, we think above all about the destinations. We can already imagine marveling at Machu Picchu, diving in Thailand, eating insects in Thailand, climbing the highest mountains, or playing the role of a survivor in the middle of the Amazon forest. All this may make you dream (or not!), but the only way to fully and peacefully enjoy it on set is to plan for the unexpected.
Being in paradise on the other side of the world does not mean that you are safe from health problems or worse… it is even a situation where a little core can greatly facilitate. It is therefore not safe from food poisoning (it happened in Thailand during a 15-day trip!). (scooter, car, bus, etc.) as your daily commute. Additionally, as we love to travel and try new activities and sports (diving, trekking, paragliding, etc.), we have suffered minor or serious injuries such as broken legs, sprained ankles, or worse, we are at protection from injury. It is not intended to scare you or discourage you from traveling. But only to warn you of possible dangers.
Of course, all this can happen at home in France, covered by Social Security and Mutuality. But outside the European Union, the little everyday ailments that are no longer insured and treated for free in France could quickly exhaust foreign budgets… Don’t forget that this costs hundreds of euros!
Finally, in addition to personal health concerns, think about other risks: lost/stolen luggage, damage to equipment, obligation to return to France for family reasons, etc.
Factors that may vary from one expression to another and which should be paid attention to
- Maximum insurance duration: 1 month, 6 months, 3 years, etc.
- Coverage limit: The amount beyond which the insurance will no longer work. This is the basic point of medical insurance.
- Exclusions: These are specific situations or cases where insurance does not intervene. Examples: airline strikes, certain natural disasters, epidemics, etc. Overrun: This is the amount that must be paid in the event of a disaster.
How to choose world travel insurance?
Here are some important points:
- Coverage of medical costs incurred locally: total ceiling, ceiling per consultation, coverage from 1€, etc. This is the main activity of round-the-world travel insurance.
- Assistance and repatriation guarantee available 24 hours a day
- Civil Liability Insurance: This is personal coverage in the event of an accident and covers bodily injury and material damage caused to third parties.
- Early return or interruption of travel: death or hospitalization of a loved one, as well as dangerous situations in the country where you are: Stolen, lost, or destroyed baggage.
- Travel benefits: Covers prepaid funds abroad as well as lost or stolen payment instruments
- In the unlikely event of death, to assume the worst situation, you must anticipate the collection of the body, the cost of the coffin, death insurance, disability insurance, etc.
- And finally, Extreme Sports Insurance: Depending on the activities planned during the World Tour, it is important to know which activities are insured…