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Jo Fitzsimons is a freelance travel writer who has visited over 60 countries. www.indianajo.com is the place where she shares destination details, travel itineraries, planning and booking tips and trip tales. Her aim: to help you plan your travel adventure on your terms and to your budget.

28 Responses

  1. How to Spend 3 Nights in Krakow for £100 (including flights) | Indiana Jo
    How to Spend 3 Nights in Krakow for £100 (including flights) | Indiana Jo at |

    […] don’t buy insurance from the airline insurance. If you need it (i.e. you have valuables, don’t have an EHIC card for medial cover in Europe or don’t have insurance elsewhere, e.g. with your bank), insurance will almost certainly be cheaper elsewhere then booking with the airline; […]

  2. ACL Repair Surgery - What They Don't Tell You (and My Recovery) | Indiana Jo
    ACL Repair Surgery - What They Don't Tell You (and My Recovery) | Indiana Jo at |

    […] trip to Italy as well as a larger trip to Southeast Asia around week 16. This meant I would have to declare my ACL repair as a pre-existing condition on my travel insurance, and I was worried about the cost. However, as it happened, ACL repair is so common that provided […]

  3. Backpacking Checklist - Plan A Round The World Trip in 4 Weeks | Indiana Jo
    Backpacking Checklist - Plan A Round The World Trip in 4 Weeks | Indiana Jo at |

    […] Check out my related article: Travel Insurance: Don’t Get Screwed by the Small Print. […]

  4. Sardinian Food - Where and What to Eat in Sardinia | Indiana Jo
    Sardinian Food - Where and What to Eat in Sardinia | Indiana Jo at |

    […] Between you and I, I nicknamed this the ‘angry bread’. Why? It’s spiky, hard, dry and prone to hurt your mouth. Plus, the shape was reminiscent of a dragon’s spine. Still, it’s a Sardinian food, so give it a try. Just make sure you have dental cover on your travel insurance. […]

  5. 101 Tips for Cheap Flights | Indiana Jo
    101 Tips for Cheap Flights | Indiana Jo at |

    […] – Don’t fly without it. Ever. From cancellation to curtailment, you’re really going to want that policy the second […]

  6. 3 Days in San Diego: What to See and Do | Indiana Jo
    3 Days in San Diego: What to See and Do | Indiana Jo at |

    […] Travel Insurance: Don’t Get Screwed by the Small Print […]

  7. 12 Tips - What To Do If You've Missed Your Flight | Indiana Jo
    12 Tips - What To Do If You've Missed Your Flight | Indiana Jo at |

    […] Travel Insurance: Don;t Get Screwed by the Small Print […]

  8. 10 Best Things To Do In Scotland on the West Coast | Indiana Jo
    10 Best Things To Do In Scotland on the West Coast | Indiana Jo at |

    […] Make sure your travel insurance covers you for riding a jet-ski and that it covers you for personal accident (for yourself) as well as injuring others. It’s highly unlikely to happen (unless you drive like a lunatic), but just in case. You can read my tips on buying travel insurance here. […]

  9. Steve
    Steve at | | Reply

    Fantastic article – glad I found it, and it has really valid information. As I found out on a trip to Australia with my wife, an ilness can get extremly costly. One night in hospital and tests quickly rounded up to over 4,000 dollars for her. The insurance company covered it – however they were looking at many angles on how to null the policy ie questions on how long we had been travelling, we had to send tickets, and when did the symptoms start (ie did it start before we left).

    On the positive side, once that was sorted out they were prompt with their payments and with this policy you can extend while you are away (worldnomads.com)

    Very valid point alos reference cover in countries (or parts of countries9 which have DFAT or government warnings. I bring my parents to Colombia each year (Medellín) and we cannot travel to some places nearby that are fine, due to being on the travel warning.

  10. Nomadic Boys
    Nomadic Boys at | | Reply

    Jo this is one of the best travel blogger articles I’ve found about travel insurance – thanks!

    I’m literally scribbling away with pen and paper as I read taking detailed notes as I also search through Money Supermarket and other similar search engines. You’re not wrong about the stingy baggage cover. I had to re-take when I saw that as I thought I’d missed something or hadn’t entered the right info in their search engines etc etc

    So other than Which! and Photoguard (ish) who did you actually get your main travel insurance with / which site did you use to get it? Any luck with Insure and Go?

  11. Jacob Soderman @NPI
    Jacob Soderman @NPI at | | Reply

    @Jo. Wow thats a really long post! Informative I must say. A quick tip for your readers.If you are traveling two times in a year you should consider to opt for an annual multi-trip policy. That way, you are already saving yourself money by the time you take your 2nd trip!

  12. Vincent
    Vincent at | | Reply

    Great post Jo, especially about the insurance for photography equipment. That’s something I need to get insured when I travel.

    I’m not sure why people would travel without travel medical insurance; it’s an accident away from a lifetime of financial disaster. It’s too bad insurance companies exclude a lot of recreational activities from their policies. Some of these policies are more tailored towards snow birds than adventure travelers!

  13. Deia @ Nomad Wallet
    Deia @ Nomad Wallet at | | Reply

    Wow, this is really comprehensive. I’m guilty of not reading the small print. When the document is really thick and written in the kind of language that puts you to sleep, it’s easy to just go, “Ain’t nobody got time for this.” It’s something I should really start doing, though!

  14. Michael Rosenstein
    Michael Rosenstein at | | Reply

    Very interesting article.
    Thanks.

  15. TCI
    TCI at | | Reply

    One of the most detailed article about travel insurance. I am sure my direct travel insurance company didn’t provide this much details or advice. I bought my family policy online. It was cheap. Now that I read your article, I will go back and check what is really covered. As far as I know I have good coverage but I must check and make sure now. I am not worried about small issues like lost camera. But I want to be well looked after if I suffer an injury or illness in a foreign country. Last thing you want to worry about is the costs when you are in pain. It is even worse when one of your family member is in pain.

  16. Nic
    Nic at | | Reply

    Pre-existing conditions usually need to be screened – they’ll ask more questions – but depending on your condition and how recently you had any problems you may pay nothing more and still be covered. The differences can be huge.

    On valuables I don’t see insurance as worth paying, especially given that we all will replace gadgets every few years as they give out and given the actual risk of loss and the low % payment if you do need to claim. And the length and boredom of the claim process!

  17. Amber
    Amber at | | Reply

    I was hoping this article was US based. I think long term traveler insurance is virtually non-existent, or at least hard to get and very expensive, for US residents. I was hoping to get a recommendation. Most of the blogs I see talking about this refer to UK, Australian, and Canadian companies, and most of the time, I just don’t qualify.

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