Let me start by acknowledging that yes, it could have been much worse, and for that matter, it could have been much more expensive. But still, a man walked away with my purse, the police were disinterested at best, and I’ve had to shell out money and accept that some things are just gone.
I dithered a little about buying travel insurance for my solo trip around the world. I’m young and healthy, and what’s an adventure if some bean counter has insured me against all the risks of taking the world by storm? I’d probably never need to make a claim, and then I’d have wasted that money, when I could have spent it on a mountain trek in Laos instead. Then again, I’m remarkably accident prone, and if I fell off a mountain in Laos and needed emergency evacuation, I’d be screwed without an insurance policy.
I planned to be on the road for a year, the realization of a dream a decade old. I bought a policy through World Nomads, a company that specializes in insurance for longer-term travelers. I could get the Standard plan or, for $30 more a month, the Explorer plan. I like to see new places, but I’m no adrenaline junkie, and I figured I’d just need the Standard, until I saw that snorkeling was under the same coverage as extreme activities like base jumping and parachuting. Snorkeling the Great Barrier Reef was on my agenda, so I became an Explorer. For $100 a month, I was covered for injury and illness, emergency evacuation, loss of luggage, canceled flights, and some liability on car rentals.
Was it worth it?