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Why Buy International Travel Insurance?

Posted in: Ecuador Travel, Our Perspective

This is a good question. Basically, travel insurance is there for the unknown. A slip, a pickpocketing or a missed flight means so much more ($) when you are in another country. How can you get funds, replacement id or another flight? That’s what travel insurance is for.

There are a number of options for travel insurance.

Update (April 16, 2018): We published a new post entitled: 5 Travel Insurance Options for Expats

What About Travel Insurance From Your Credit Card?

If you are not an expat, you can probably use your credit card offer. From my experience though, is that the convenience will cost you.

But if you are an expat, you might not qualify. That’s not to say that they won’t happily bill you. But if you need to make a claim, you could find yourself out of luck. If you are going to use your credit card company for travel insurance, be sure to confirm – telling them specifically where you are a permanent resident. Otherwise you might not be covered – or even qualify.

What About Travel Insurance From Your Health Plan?

Again, you’ll want to confirm that you qualify, even as an expat.

The other factor is the level of coverage. Some health plans only offer “critical health coverage”, and nothing more. This isn’t much use. You are more likely to lose your wallet or break your arm than to be in a life-or-death situation. While having help to cover medical bills if you are dying is great – but you should have more of an insurance policy than that.

international travel insurance

Why We Chose World Nomads Travel Insurance

Our preferred travel insurance partner, keeps you traveling safely. They cover residents from over 150 countries and you can buy, extend and claim, even while traveling. Here are some reasons to buy travel insurance with World Nomads:

  1. Save money: By focusing on what you need and leaving out what you don’t, prices are some of the most competitive online. With travel insurance that’s made for independent and adventurous travelers, their insurance includes what’s important: overseas medical, evacuation, baggage and cover for a range of adventure sports.
  2. Stay flexible: Did you leave home without insurance ? Had a change of plans or your cover has expired? With, you can buy travel insurance, extend your policy or claim online, 24/7, even while traveling.
  3. Be adventurous: From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, covers a range of adventure activities, giving you peace of mind to get the most from your travels.
  4. Get help when you need it most: is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
  5. Stay safe on the road: All members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the Travel Safety Hub.
  6. Communicate in 25 languages and stay in touch: Get all the best phrases in the local lingo with’s series of iPod & iPhone Language Guides. They’ll help you stay in touch with family and friends with a free travel blog.
  7. Make a difference when you travel: When you buy a policy from you can help make a difference to developing communities. Your small donation helps fund local projects through the Footprints program.

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Meet the Author

Bryan Haines is co-editor of GringosAbroad - Ecuador's largest blog for expats and travelers. He is a travel blogger and content marketer. He is also co-founder of ClickLikeThis (GoPro tutorial blog) and Storyteller Travel.

5 comments… add one
  • Simon Bédard Apr 26, 2014, 12:34 pm

    Hi Brian,
    I have a question about World Nomads. When I go to the website, it seems to be exclusively for travellers; even when I choose Ecuador as country of permanence. What are your thoughts about that, being residents? Also, the coverage for pregnancy and delivery isnt that clear. Do you, by any chance, have any idea about their coverage.
    Thank you.

    • Bryan Haines May 9, 2014, 9:44 am

      Hey Simon – this is a pretty common question. I’ve spent the last couple of days researching this and I’m just finishing up a post about it. It should schedule middle of next week.

      For coverage here in Ecuador – if you are living here – you’ll need to buy a policy from a provider here. When we purchased travel insurance it was for travel outside of Ecuador. I’m also working on a post about insurance options within Ecuador – but this will probably publish towards the end of the month.


    • Bryan Haines May 13, 2014, 7:12 am

      Hey Simon – we just published the new post about travel insurance. Most of these options are perfect for expats because it doesn’t limit on country of residence.

      Let me know how you make out.


  • Bo Stambaugh Jun 5, 2012, 7:56 am

    We highly recommend for travel insurance.

    So far on our South American adventure, we’ve had two cameras and a Kindle lost or stolen. I filed the claims with and after getting them some basic info, they approved all three claims without any trouble. I would suggested you read through the policy so that you have the necessary documents to file a claim when you get back home.

    There are so many unknowns when traveling, especially internationally. Having solid travel insurance in a great way to reduce some of the risk and bring a bit more peace of mind.

    Happy Trails!

    Bo and Jamie

  • Michael Peterson Apr 19, 2012, 4:02 am

    Travel insurance is a MUST! One does not know what might happen to him/her while on the go. We all have to be prepared for the unknown.

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