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I'm Marko. I'm Alex. We're the Vagabrothers,

and in this video we're telling you everything you

need to know about travel insurance.

Boring, but important. No..Yeah

Boring. Dude, you're just going to have everyone shut

the video off. Hey! We're talking about something boring!

But important. Okay, anyways.

We're going to talk about what it is, when you need it,

and how to get it. Ready? Good. Let's go!

Travel insurance is protection against anything bad

that can happen while on the road,

from losing your luggage to losing your life.

Insurance is one of those things that you never need,

until you do. So let's start with what travel insurance covers.

The basic categories are: Medical Insurance

Emergency Evacuation; Accidental Death

and Dismemberment; Travel Protection;

and Baggage Protection.

Plans typically combine coverage from all these categories

So the way to save money is by knowing what you

do and don't need. Got that? Good

Let's dive into each category.

First up: medical insurance.

Now this is going to cover any bills you might have

from going to a hospital abroad.

But first, you need to think about where you're going.

In Europe or Canada, you might not need it because

health care is mostly free, even for foreigners.

But not so in the United States, where even

a quick visit to a hospital or doctor

could run you thousand of dollars out of pocket.

Remember that travel insurance is not a substitute for

the health care that you have back at home.

It's just protection against accidents overseas.

You can't use it to get your teeth cleaned, but it

will cover you if you get hospitalized for malaria.

That being said, if you are American ,or if you are already

paying for health care back home, there are global health care plans.

So, if you travel regularly, find a plan with global coverage.

Next up, we have emergency evacuation and

accidental death and dismemberment.

Nobody likes to think about dying or serious injury,

but when "shit hits the fan," you want this sort of coverage.

Emergency evacuation insurance pays for you to be

airlifted to a local hospital, or

flown all the way back home.

Imagine that you're back packing somewhere remote,

like the Canadian Rockies. You fall off

a cliff. Oh no. And you need a helicopter

ride to go back to the hospital and save your life.

Helicopter rides to the hospital are not cheap.

Or you could get in a serious accident in a developing country

where there's not a great health care system.

Emergency evacuation insurance will pay for you to fly home

so you can get proper treatment in your own country.

Without insurance, these situations can bankrupt you

and your family. They're are countless bars

in Southeast Asia with collection jars for back packers

who got in a motor cycle accident, are brain dead,

but too broke to fly their comatose bodies

back home. Don't be that person.

Still with us? Good. Now let's talk about travel protection.

Travel protection will reimburse you the cost of your trip

if for some reason, you have to cancel at the last minute

With travel protection, you get back the money from your

flights, as well as any other reservations you made

in advance.

So do you need this? If you're a traveler who

likes to book everything in advance,

then it probably makes sense to buy this.

But, if you prefer to arrive to a destination

and wing it, you probably don't need it.

Also ,keep in mind if you buy your airfare on your credit card,

you could be insured through your credit card,

so just double check before you make a purchase.

The last type of insurance is baggage protection,

which covers anything lost or damaged on your flight.

Airlines are liable for any baggage lost or stolen

up to a certain amount, and if you bought your ticket

with your credit card, that should have some coverage as well.

Just make sure you check the limits, and get insurance

for anything over that.

You can also insure your possessions against theft, loss, or damage,

which is really smart if you carry around laptops and

camera equipment. Again, you might already have

coverage if you have renter's insurance or homeowner's

insurance, so just check your policy to make sure..

Ladies and gentlemen. The time has come to choose a plan!

Consult the oracle!


Read the runes!


Go to the Vagabrothers. They always have good ideas.

That's a sensible plan. Let's do that!

In all seriousness, which ever plan you choose,

make sure that it includes the following:

coverage in the countries that you're visiting.

Obvious, but crucial.

Adequate protection for your valuables,

24 hour assistance.

Medical coverage for injuries and illnesses,

and protection from natural disasters,

civil unrest. war, or anything

else that might turn your holiday into a hell-aday.

Finally, remember that most plans do not cover the

following: extreme sports, skydiving, hang gliding,

bungie jumping or snowboarding off peaks.

Any accidents that happen when you were drunk or high.

And finally,

car accidents that involve a third party.

Basically, if you do anything dumb or reckless,

you're out of luck. So be smart.

If anything does happen, you're going to have to

file a claim to get reimbursed.

No matter which company you chose,

your insurer is going to do everything it can

to not pay you.

So remember to keep track of your receipts,

tickets, hotel booking, or whatever

electronics you bring with you.

Filing a claim is a pain in the ass.

It's going to take a lot of time, and there's a ton

of paperwork, so make sure you've double checked

everything before you send it in, or else you're going to have to do it all over again.

When it comes to picking a plan,

World is a good place to start.

It's an industry leader in travel insurance.

also allows you compare different plans from around the world.

For more information, see the blogposts

on this topic on our website:

And you can also click the links down below

to World Nomads and Insure Your

If you use those links while booking, it will help support

this channel at no extra costs to you guys.

All right guys, if you enjoyed that video, you know

what to do: give it a thumbs- up, share it with your

travel buddies and subscribe

by clicking that little button down there if

you haven't already. Also, if you have any tips of your

own, or more questions for videos that you'd like us to make

please put them in the comment box below.

For more travel tips, you can also see

this playlist right here.

Got a bunch of videos covering different topics,

so click that to check it out.

Or if you want to see some of our recent adventures

from the road, click over there.

In the meantime, stay curious, keep exploring,

and we'll see you guys on the road.