Buy Travel Insurance from our partner World Nomads

GuardYourTrip's travel insurance essentials

Here are a few things to consider when choosing your travel insurance plan to make sure that you've got the cover you want for your holiday:

• Cancellation: It's no fun if you're seriously ill before you leave and can't go on your trip. All travel insurance plans are different and some have specific terms of cover for cancellation, so please read the policy wording relevant to you carefully.
• Lost or Stolen Gear: Most travel insurance plans have a per-item value limit - make sure its high enough to cover your gear or choose a policy that allows you to increase the limit.
• Medical expenses over and above evacuation: Check that your cover includes emergency treatment while away and transport to bring you home - remembering that in more serious circumstances, insurance providers will usually insist on getting you home for medical treatment if you're fit enough to travel.
• Adventurous Activities: Look carefully at what your policy covers as each plan is different and may only cover specific sports and activities. Check that you're covered to do all of the adventurous activities that you are planning while you're away.
• Personal Liability: Accidents happen. If it's found to be your fault and someone decides to sue you, you want to be covered. Read the full description of coverage in the policy wording and talk to the insurer first before you admit it was your fault. Also keep in mind travel insurance doesn't typically cover liability while you're driving (be it cars, motorbikes, scooters, boats… anything with a motor, really) so make sure you've got appropriate cover elsewhere if you need it.
• Is it safe to go there? Make sure you check your Government's Travel Warnings and keep up to date with the latest travel safety advice on the road. You may not be covered if you choose to go to a place affected by war, terrorism, civil unrest or environmental disasters (like volcanoes, earthquakes, floods) and other major events where you may be at risk. Access up-to-date travel safety alerts, safety advice and tips online through the WorldNomads.com Travel Safety Hub.
• Be adventurous
  From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, the insurance plans cover a range of adventure activities, giving you peace of mind so you get the most from your travels.
• Flirt in 25 languages and stay in touch
  Get all the best phrases in the local lingo with World Nomads series of iPod & iPhone Language Guides. They'll even help you stay in touch with family and friends with a free travel blog.
• Make a difference when you travel
  When you buy a policy from WorldNomads.com, you can help make a difference to developing communities. Your small donation helps fund local projects through the World Nomads Footprints program.

*Please note that travel insurance plans from WorldNomads.com differ depending on your country of residence. To make sure the plan you choose is right for your holiday, please read the full description of cover and policy documents carefully for all the terms and conditions, including the sections on what's not covered to make sure you understand the exclusions, conditions and limitations of cover.