5 Reasons why you should have travel insurance and why IMG Europe is the best option on the market

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Many travellers, especially the more adventurous and budget-orientated ones, are often of the opinion that travel insurance is a redundant extra cost, which we can easily do without. They argue that all you need is a bit of common sense and basic first-aid skills. If you too have the tendency to fall for the wishful thinking trap and believe that bad things only happen to others, you should definitely read why I’m of the opinion that buying travel insurance is extremely important and why the IMG Europe’s GlobeHopper package is the best travel plan available!

emergency-sign

Photo by: Meredith Kuipers, Creative Commons

1) Better safe than sorry

Accidents do happen. Of course, having a first aid kit and the knowledge how to use it certainly helps, but you should never overestimate yourself. Even with the best paramedic skills you can’t treat yourself if you lose consciousness. Therefore, you should make sure you have your travel insurance with you and the card is easily accessible, along with the information about your blood group and any allergies you may have.

During our South-East Asia trip, I fell off a motorbike and badly hurt my leg. As we hadn’t bought insurance before departure, I didn’t visit a doctor and treated myself (changing the dressing regularly) until we got back to Europe. I was lucky I didn’t lose my leg. After two weeks, my leg was  badly infected and it took me six month to start walking normally. Of course, I will have an ugly scar for the rest of my life. I don’t have to mention, the final 2 weeks of our trip were ruined as we couldn’t participate in any activities and even going to the toilet was extremely painful.

Read also: “All you need to know about renting a scooter in South East Asia: How I crashed one and what the consequences were”

Ania after the accident

2) Medical treatment abroad is pricey

You should realise that in most countries medical treatment is very expensive to people who don’t contribute to the system. In some countries even such trivial things as a standard physical examinations can cost you more than your daily budget. Adding the price of medicine on top of that, the amount of money increases to what a budget traveller would rather avoid paying.

3) Your health is priceless

If you decide to travel to developing countries, you should do a bit of research about the state of their health services. In some countries (e.g. Laos) it may not actually be worth using their public system as it may do more harm than good. If that’s the case, consider using a private hospital and don’t fear the costs with your travel insurance.

Read also: “Jon’s Laotian malady”

Operation room

Photo by: Phalinn Ooi used under Creative Commons 2.0

4) Travelling without insurance is selfish

You are human and therefore you should never act as though you are immortal and immune to diseases and injuries. If you travel without health insurance, you risk ruining not only your own trip, but also your travel companions’, because if something happens to you, they are the ones who will need to pay for your treatment. And if the worse should happen, it would be an extortionate amount of money to ship your body back home, putting your family’s financial future at risk.

Snow Patrol

Photo by: Petr Kratochvil, Creative Commons

5) Travel insurance is obligatory to get certain visas

Finally, in order to apply for certain visas, you may be asked to show your travel insurance. It all depends on your nationality, the country you are travelling to and the embassy you are applying at, but you will definitely need travel insurance to obtain a Schengen visa and it’s a fact that some people need one to go to Russia or Iran, among other countries.

Passports and visa application form

Photo by: John Barker, Creative Commons 2.0

Why IMG Europe’s GlobeHopper is the best travel insurance on the market

1) World-wide travel insurance

Many leading travel insurance companies would reject your quote if you decide to travel to countries considered dangerous or those your Ministry of Foreign Affairs dissuades people from visiting. We can tell you that it’s not easy to find an insurer that would cover you in such places as Iran or Turkmenistan.

2) Short- and long-term insurance

For IMG Europe it doesn’t matter if you are travelling for a weekend or for a year. You can even get covered if you are an expat living abroad.

3) No age limit

Travelling is not only for young people, but many insurers consider it risky to cover people aged 70+. This is not the case with IMG Europe.

4) Flexibility

What happens if you buy your insurance and then decide to keep travelling longer? Nothing. With IMG Europe you can renew it for up to 24 months if you originally purchased one month or more. Moreover, you can even buy it after your departure!

5) Freedom of choice

You are free to seek treatment with the hospital or doctor of your choice. That’s especially important in developing countries.

6) They cover citizens of all countries

Some of our Iranian friends told us, they find it difficult to travel abroad as not many companies want to issue them travel insurance and therefore they find it impossible to apply for visas. This is not the case with IMG Europe, they cover everyone.

7)  24/7/365 service for emergencies anywhere in the world

When you’re travelling and a medical emergency occurs, you may not be able to wait for regular business hours. With their on-site medical team, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

8)  International, multilingual customer service centres

Even if English is not your first language, IMG Europe has you covered. With their committed staff of multi-lingual customer service professionals aiming to provide you with all the support you could need in the language of your choice.

9) Perfect for travelling families

IMG Europe will cover your whole family and provide free cover for the first year for a child under 10 years of age. So there really is no need to leave the kids at home! :)IMG Europe logo 2

written by: Ania

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