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Having total coverage is great and gives an excellent safety net should the worse happen, but if you just can't afford it go for more basis coverage (items 1 and 2) with low or no theft insurance. need to shop around yourself and at the very least compare the terms of the companies recommended on this page.

It is important to mention that the internet is fully of bold claims and misinformation regarding travel insurance as many websites (including at times this one) take a small referral commission for policies booked via them - be warned/wise.

More details on World Nomads, variations in regional coverage and small print on the insurance page.

Be warned that starting a new policy for another geographic region is often not possible during your trip (i.e.

With all policies make sure you read the small print.

No company is perfect and competitive terms often come with loop-holes and coverage black-spots.

Conversely even on more expensive policies, don't expect your US

Conversely even on more expensive policies, don't expect your US$1,000 camera/laptop to be fully covered unless you have made special measures for it.

allow you to insure yourself for extra lengths of time if you don't know how long your trip will be when you first take out the policy).

Multi-trip year-long policies often limit the length of your trip to 30 or 60 days (although 90 days can be found), making them fairly useless for many longer term trips.

It can be said in honesty (after years of comparison) that their terms and rates are also favourable for the level of cover they provide (which is high).

All of the mentioned companies provide excellent and comprehensive coverage in all four of the main areas, but this does make the 'better' ones the most expensive.

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Conversely even on more expensive policies, don't expect your US$1,000 camera/laptop to be fully covered unless you have made special measures for it.allow you to insure yourself for extra lengths of time if you don't know how long your trip will be when you first take out the policy).Multi-trip year-long policies often limit the length of your trip to 30 or 60 days (although 90 days can be found), making them fairly useless for many longer term trips.It can be said in honesty (after years of comparison) that their terms and rates are also favourable for the level of cover they provide (which is high).All of the mentioned companies provide excellent and comprehensive coverage in all four of the main areas, but this does make the 'better' ones the most expensive.

,000 camera/laptop to be fully covered unless you have made special measures for it.allow you to insure yourself for extra lengths of time if you don't know how long your trip will be when you first take out the policy).Multi-trip year-long policies often limit the length of your trip to 30 or 60 days (although 90 days can be found), making them fairly useless for many longer term trips.It can be said in honesty (after years of comparison) that their terms and rates are also favourable for the level of cover they provide (which is high).All of the mentioned companies provide excellent and comprehensive coverage in all four of the main areas, but this does make the 'better' ones the most expensive.

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