{"id":128848,"date":"2019-08-13T14:25:44","date_gmt":"2019-08-13T12:25:44","guid":{"rendered":"https:\/\/loudavymkrokem.cz\/best-annual-travel-insurance\/"},"modified":"2026-02-16T13:22:40","modified_gmt":"2026-02-16T12:22:40","slug":"best-annual-travel-insurance","status":"publish","type":"post","link":"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/","title":{"rendered":"Best Annual Travel Insurance: A Comparison by Travellers"},"content":{"rendered":"<p>Whether you&#8217;re a digital nomad, a long-term traveller, or just planning an extended trip, the right annual travel insurance is an absolute must-have before you set off.<\/p>\n<p><strong>Insuring your health while abroad is a non-negotiable necessity.<\/strong> But there are countless insurance companies out there, and comparing them is far from straightforward.<\/p>\n<p>On top of that, once you start looking into your options, a whole flood of questions hits you. Should I get health insurance only? Or should I also cover my phone and laptop? What about luggage? Or flight cancellations?<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_1 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Best_annual_travel_insurance_for_long_trips\" >Best annual travel insurance for long trips<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#1_Safety_Wing_%E2%80%93_top_travel_insurance_for_long-term_trips\" >1) Safety Wing \u2013 top travel insurance for long-term trips<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#2_True_Traveller_%E2%80%93_ideal_for_backpackers_gap_year_and_frequent_travellers\" >2) True Traveller \u2013 ideal for backpackers, gap year, and frequent travellers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Is_it_worth_insuring_your_belongings\" >Is it worth insuring your belongings?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#What_type_of_travel_insurance_to_choose\" >What type of travel insurance to choose<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Travel_health_insurance\" >Travel health insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Medical_evacuation_insurance\" >Medical evacuation insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Travel_insurance_for_belongings\" >Travel insurance for belongings<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Tips_for_choosing_the_right_insurance\" >Tips for choosing the right insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Overview_of_the_best_annual_travel_insurance\" >Overview of the best annual travel insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#SafetyWing\" >SafetyWing<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#What_to_watch_out_for_with_Safety_Wing\" >What to watch out for with Safety Wing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#SafetyWing_insurance_calculator\" >SafetyWing insurance calculator<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#True_Traveller\" >True Traveller<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#World_Nomads\" >World Nomads<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Frequently_asked_questions_FAQ\" >Frequently asked questions (FAQ)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Do_airlines_provide_compensation_for_lost_or_delayed_luggage\" >Do airlines provide compensation for lost or delayed luggage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Why_do_I_need_to_fill_in_my_home_country_when_buying_insurance_Im_a_digital_nomad_and_dont_live_anywhere\" >Why do I need to fill in my home country when buying insurance? I&#8217;m a digital nomad and don&#8217;t live anywhere.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#When_should_I_buy_insurance_Should_I_wait_until_departure_day_or_even_until_Im_already_travelling\" >When should I buy insurance? Should I wait until departure day, or even until I&#8217;m already travelling?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#How_to_choose_travel_insurance_suitable_for_a_visa_application\" >How to choose travel insurance suitable for a visa application?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Can_you_compare_long-term_travel_insurance_plans_anywhere\" >Can you compare long-term travel insurance plans anywhere?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#Tips_to_make_your_travels_easier\" >Tips to make your travels easier<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#How_to_find_cheap_flights_15_proven_and_lesser-known_tips\" >How to find cheap flights: 15 proven and lesser-known tips<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/loudavymkrokem.cz\/en\/best-annual-travel-insurance\/#How_to_find_cheap_accommodation\" >How to find cheap accommodation<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_annual_travel_insurance_for_long_trips\"><\/span><span class=\"ez-toc-section\" id=\"Best_annual_travel_insurance_for_long_trips\"><\/span>Best annual travel insurance for long trips<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Don&#8217;t want to read further and just want to buy the best? <strong>Here are our two top recommendations:<\/strong><\/p>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Safety_Wing_%E2%80%93_top_travel_insurance_for_long-term_trips\"><\/span><span class=\"ez-toc-section\" id=\"1_Safety_Wing_top_travel_insurance_for_long_term_trips\"><\/span>1) Safety Wing \u2013 top travel insurance for long-term trips<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">Safety Wing<\/a> is travel insurance tailor-made for digital nomads and frequent travellers.<\/strong> You can be continuously insured and pay monthly (you can cancel anytime). <strong>The basic plan without US coverage starts at $56.28 per month<\/strong>, and you can travel anywhere in the world.<\/p>\n<p>You can purchase the insurance even from abroad, and after 90 days you can return home for up to 30 days while still being covered. This eliminates the hassle of calculating when it&#8217;s worth cancelling your domestic health insurance and when it&#8217;s not.<\/p>\n<p>Another great advantage of <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">Safety Wing<\/a> insurance is that you don&#8217;t have to return home at all \u2013 unlike many traditional insurers that limit you to 45 or 90 days abroad before requiring a trip back.<\/p>\n<p><strong>The Essential plan for individuals aged 10\u201339<\/strong> <strong>starts at $56.28 per month<\/strong> (you can add extended US coverage or adventure sports), and coverage includes medical treatment, hospitalisation, hospital transfer, lost luggage, trip interruption, and flight delays. The overall coverage is capped at <strong>$250,000 per incident<\/strong>.<\/p>\n<p><strong>More comprehensive coverage is offered by the Complete plan.<\/strong> The main advantage of this plan is its <strong>high overall coverage limit of $1,500,000.<\/strong> It covers not only unexpected medical issues but also ongoing healthcare and preventive check-ups. <strong>Additional covered services include:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li>Transfer to a better-equipped hospital.<\/li>\n<li>Lost luggage coverage.<\/li>\n<li>Mental health support.<\/li>\n<li>Theft protection.<\/li>\n<li>Coverage for trip delay or interruption due to family reasons.<\/li>\n<li>Repatriation or funeral costs in case of death.<\/li>\n<\/ul>\n<p><strong>The price for individuals aged 18\u201339 starts at $150.50 per month<\/strong>, with the option to add extended US coverage or adventure sports.<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify.jpg\" alt=\"Safety Wing insurance plans and pricing\" class=\"wp-image-91216\" title=\"\" srcset=\"https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify.jpg 1200w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-300x158.jpg 300w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-700x368.jpg 700w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-768x403.jpg 768w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-696x365.jpg 696w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\"><figcaption class=\"wp-element-caption\">Insurance plans at <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">Safety Wing<\/a><\/figcaption><\/figure>\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-733b8c63-eda7-4e30-968b-df0f9dcd3073\">\n<div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/safetywing.com\/nomad-insurance\/?referenceID=24736613&amp;campaign=dlouhodobe-cestovni-pojisteni&amp;utm_campaign=dlouhodobe-cestovni-pojisteni&amp;utm_source=24736613&amp;utm_medium=Ambassador\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #cf2e2e; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \"><\/p>\n<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">Explore <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/en\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> Insurance<\/span>\n\t\t\t\t<\/div>\n<p>\t\t\t<\/a>\n\t\t<\/div>\n<\/div>\n<p><em>Why don&#8217;t we recommend a mainstream UK insurer right away? Because they come with too many limitations. They impose limits on the number of days abroad, credit card-linked policies often require you to pay medical expenses with that specific card, and they frequently limit how many times you can return home.<\/em><\/p>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_True_Traveller_%E2%80%93_ideal_for_backpackers_gap_year_and_frequent_travellers\"><\/span><span class=\"ez-toc-section\" id=\"2_True_Traveller_ideal_for_backpackers_gap_year_and_frequent_travellers\"><\/span>2) True Traveller \u2013 ideal for backpackers, gap year, and frequent travellers<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> is the most flexible and comprehensive long-term travel insurance you can find \u2013 especially for its price.<\/strong> For around \u20ac450 per year, you get worldwide travel insurance (USA and Canada available as an add-on). Coverage limits are generous (up to \u20ac6 million), and you can add various travel packages, including extreme sports and skiing. Non-manual work is included in the basic plan, and manual work can be added for an extra fee.<\/p>\n<p><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> offers three main plans:<\/strong> True Value, Traveller, and Traveller Plus. Each plan offers a different level of coverage. The cheapest True Value plan includes medical expenses up to \u00a32.5 million, but coverage is more limited than the other two plans. The Traveller plan offers higher limits for medical costs, as well as trip cancellation and delay coverage, while Traveller Plus has the highest limits and also includes higher amounts for legal expenses.<\/p>\n<p>Another advantage of <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> insurance is that you can choose whether to add coverage for specific activities or winter sports, allowing you to tailor the insurance to your specific needs and reduce costs.<\/p>\n<p>When it comes to flexibility, <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> allows home visits during your trip \u2013 insurance is paused while you&#8217;re home and resumes when you head back out. The insurance can also be easily renewed while travelling, in case you forget to renew your contract on time.<\/p>\n<p><em>Just like <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">Safety Wing<\/a>, the insurance can be purchased while you&#8217;re already on the road, and you can be covered without a return ticket.<\/em><\/p>\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" target=\"_blank\" rel=\"noopener sponsored\"><img decoding=\"async\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/true-traveller-pojisteni-2048x637.png\" alt=\"True Traveller insurance plans overview\" class=\"wp-image-58806\" title=\"\"><\/a><\/figure>\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-b26a8c51-a2d9-4bea-ae26-41c6b2763b74\">\n<div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #cf2e2e; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \"><\/p>\n<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">Explore <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/en\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> Insurance<\/span>\n\t\t\t\t<\/div>\n<p>\t\t\t<\/a>\n\t\t<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_it_worth_insuring_your_belongings\"><\/span><span class=\"ez-toc-section\" id=\"Is_it_worth_insuring_your_belongings\"><\/span>Is it worth insuring your belongings?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While insurance for accidents, evacuation, and natural disasters is standard for long-term travelling, you should think twice about whether you really need to insure anything else.<\/p>\n<p><strong>Just because an insurer offers gadget cover doesn&#8217;t mean it&#8217;s worth it.<\/strong> As you&#8217;ll discover from their price lists, insuring a MacBook or iPhone is quite expensive.<\/p>\n<p>If you&#8217;re travelling with a professional camera and several devices, such add-on coverage can easily cost you more than \u20ac600 per year, while insurers typically only cover individual items up to around \u20ac600\u2013800.<\/p>\n<p>I understand that the thought of buying a new laptop for \u20ac2,000 fills you with dread (similar to our experience when we drowned a nearly new MacBook Pro in a tent). But is it really worth paying the insurer an extra \u20ac600 every year &#8220;just in case&#8221;?<\/p>\n<p><strong>Luggage insurance is practically pointless because insurers typically exclude electronics from it.<\/strong> I don&#8217;t know about you, but for us, most of the value in our luggage is the tech we&#8217;re carrying.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_type_of_travel_insurance_to_choose\"><\/span><span class=\"ez-toc-section\" id=\"What_type_of_travel_insurance_to_choose\"><\/span>What type of travel insurance to choose<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Travel insurance can be divided into three categories, each covering something completely different.<\/p>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Travel_health_insurance\"><\/span><span class=\"ez-toc-section\" id=\"Travel_health_insurance\"><\/span>Travel health insurance<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Standard health insurance from your home country usually doesn&#8217;t apply when you&#8217;re abroad.<\/strong><\/p>\n<p class=\"has-pale-cyan-blue-background-color has-background\">\ud83d\udca1 The exception is travel within the European Union and certain EEA countries, where your European Health Insurance Card (EHIC) will give you access to <strong>basic necessary medical care<\/strong> in case of a health issue. However, you&#8217;ll be treated under the same rules as locals \u2013 if healthcare is expensive for residents, it&#8217;ll be expensive for you too. <a href=\"https:\/\/ec.europa.eu\/social\/main.jsp?catId=559\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">More info here.<\/a><\/p>\n<p><strong>So it&#8217;s crucial to get properly insured.<\/strong> Because what will you do if you catch an illness or have an accident somewhere in New Zealand, Uganda, or anywhere else that requires immediate local treatment?<\/p>\n<p>Local treatment can cost a fortune, and without proper insurance you&#8217;ll be paying thousands of pounds for care that you&#8217;re used to getting for free through your national health service.<\/p>\n<p>Keep in mind that almost no insurer will allow you to receive <strong>long-term<\/strong> treatment abroad. As soon as it&#8217;s feasible, they&#8217;ll repatriate you to your home country, where your ongoing treatment will be covered by the national health system.<\/p>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Medical_evacuation_insurance\"><\/span><span class=\"ez-toc-section\" id=\"Medical_evacuation_insurance\"><\/span>Medical evacuation insurance<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When signing an insurance contract, you&#8217;ll often come across the term &#8220;emergency medical transportation.&#8221; It&#8217;s either included in your policy (with most insurers) or available as a standalone product. What is evacuation insurance for?<\/p>\n<p>This type of insurance is most commonly used <strong>when the hospital where you end up isn&#8217;t equipped to handle the treatment you need<\/strong>. A typical example is when the hospital doesn&#8217;t perform the type of surgery you require.<\/p>\n<p>Your attending doctor may request a transfer to a better-equipped facility. And it&#8217;s precisely <strong>this additional transfer that&#8217;s covered by the special insurance package<\/strong>. We strongly recommend getting evacuation coverage as part of your main insurance, not as a standalone service. With a standalone service, only the transfer itself is covered \u2013 not the subsequent treatment!<\/p>\n<p><strong>What type of travel is evacuation insurance most useful for?<\/strong> Primarily if you&#8217;re heading on long hikes into the wilderness, or travelling through less developed countries with inadequate healthcare infrastructure. In larger cities and developed countries, you generally won&#8217;t need evacuations. Transfer insurance can also be arranged for individual trips.<\/p>\n<p>Coverage limits range from around \u20ac20,000 to millions (including unlimited limits). It might not seem obvious at first, but a helicopter evacuation with a search and rescue operation from remote mountains can rack up an astronomical bill, so we recommend a minimum limit of around \u20ac120,000.<\/p>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Travel_insurance_for_belongings\"><\/span><span class=\"ez-toc-section\" id=\"Travel_insurance_for_belongings\"><\/span>Travel insurance for belongings<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A separate category is insurance for third-party liability, loss and theft, or flight delays. These are often included with credit cards, but you need to carefully read the terms and conditions.<\/p>\n<p><strong>This type of insurance is often the most expensive item, especially if you want to cover photography equipment and electronics you&#8217;re travelling with.<\/strong> Many travel health insurance plans already include this type of coverage to a limited extent, or offer it as an add-on.<\/p>\n<p>If you don&#8217;t get a good deal bundled with your health insurance, or if you don&#8217;t have bonus coverage through a credit card, <strong>this type of insurance is often not worth purchasing at all.<\/strong> Why?<\/p>\n<ul class=\"wp-block-list\">\n<li>There&#8217;s a very small chance something like this will actually happen<\/li>\n<li>When something does happen (e.g., your hire car gets broken into), the insurer will likely find an exclusion in the contract to avoid paying out<\/li>\n<li>When something does happen, replacing stolen equipment or buying a new flight out of pocket may be cheaper than the insurance itself<\/li>\n<li>In many cases, you&#8217;re entitled to compensation from a third party even without insurance (e.g., for delayed flights)<\/li>\n<\/ul>\n<p>As an example, let&#8217;s look at the popular product <strong>missed connection insurance<\/strong>. Most insurers require a minimum of two to four hours between flights as a baseline condition, or they won&#8217;t consider your claim at all.<\/p>\n<p>You only need delay insurance if you&#8217;re travelling on two separate tickets. If you have a connecting flight on a single booking (one airline), the plane will either wait, or you&#8217;ll get an alternative flight\/compensation. And how many connecting flights are actually missed? It&#8217;s 0.1% to 1.5%. And how many times a year do you fly? \ud83d\ude42 Missed connection insurance simply doesn&#8217;t pay off.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_for_choosing_the_right_insurance\"><\/span><span class=\"ez-toc-section\" id=\"Tips_for_choosing_the_right_insurance\"><\/span>Tips for choosing the right insurance<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>When choosing long-term insurance, you should focus mainly on specialised providers<\/strong>, most of which are international. Why? Because mainstream domestic insurers typically have significant limitations for &#8220;long-term&#8221; coverage:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>They impose limits on travel days.<\/strong> You&#8217;ll encounter 30, 60, or 90-day limits after which you must return to your home country, even if just for a quick airport turnaround.<\/li>\n<li>If the insurance is tied to a credit card, <strong>they may require you to pay 50%\u2013100% of your travel costs with that specific credit card<\/strong>.<\/li>\n<li>If you do find annual insurance, <strong>the number of home visits is often limited<\/strong>. Often, your second return home in a given year will invalidate your policy, with no refund.<\/li>\n<\/ul>\n<p><strong>Also watch out for excess (deductible) payments.<\/strong> Either the excess is charged every time you make a claim, or just once for the entire insurance period. The second option is obviously better, because if you claim multiple times in one period, you only pay the excess once.<\/p>\n<p>When renewing your policy, keep in mind that if you made a claim during the previous period (say, for emergency dental treatment), they may exclude dental cover in the new year (or charge extra for it).<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Overview_of_the_best_annual_travel_insurance\"><\/span><span class=\"ez-toc-section\" id=\"Overview_of_the_best_annual_travel_insurance\"><\/span>Overview of the best annual travel insurance<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Below is an overview of insurers that specialise in long-term travel and digital nomads.<\/strong> We&#8217;re assuming you have standard health insurance in your home country.<\/p>\n<p>All the insurers mentioned allow you to take out a policy even when you&#8217;re already travelling and don&#8217;t restrict the time you spend abroad. This means you don&#8217;t need to repeatedly return home during the insurance period.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SafetyWing\"><\/span><span class=\"ez-toc-section\" id=\"SafetyWing\"><\/span><strong>SafetyWing<\/strong><span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a> is<\/strong> <strong>our number one pick<\/strong>. <a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a> is a startup that brought the subscription model (think Netflix or Spotify) to the insurance world.<\/p>\n<p>Don&#8217;t be put off by the word &#8220;startup.&#8221; Although the idea was born from digital nomads like us, their underwriting partner is one of the best insurance companies in the world \u2013 Tokio Marine.<\/p>\n<p><strong><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a> is a worldwide, location-independent safety net for all freelancers and digital nomads.<\/strong> That&#8217;s why they already offer a whole range of features that other companies lack.<\/p>\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safety-wing\/\" target=\"_blank\" rel=\"noopener sponsored\"><img decoding=\"async\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/SafetyWing-Universe-B.jpg\" alt=\"SafetyWing worldwide coverage for digital nomads\" class=\"wp-image-58808\" title=\"\"><\/a><\/figure>\n<p><strong>What&#8217;s really great about <a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a>?<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Monthly subscription.<\/strong> You pay monthly and, just like Netflix, you&#8217;re not committed to any fixed term. You can cancel the next payment at any time.<\/li>\n<li><strong>Affordable price.<\/strong> Actually one of the lowest when you compare like-for-like coverage from other providers.<\/li>\n<li><strong>Annual cap on excess.<\/strong> No matter how many times you claim in a year, you&#8217;ll pay a maximum of $250 in total excess.<\/li>\n<li><strong>Zero excess for many claims<\/strong>, such as emergency dental treatment, hospital transfer, trip interruption, lost luggage, travel delay, third-party liability, and more.<\/li>\n<li><strong>Covers treatment at private facilities.<\/strong> You don&#8217;t need to seek out public hospitals and doctors. Especially in developing countries, private doctors are often far superior.<\/li>\n<li><strong>Pays hospitals directly.<\/strong> Unless you specifically insist on a different facility, <strong><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a><\/strong> settles bills directly. That means you won&#8217;t have to pay invoices yourself (and then wait for reimbursement).<\/li>\n<li><strong>Home country coverage.<\/strong> Even if you don&#8217;t have health insurance in your home country (e.g., if you went to work in Canada for a year), <a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a> covers you at home too \u2013 for up to 30 days per 90 days of insurance. That&#8217;s a total of 120 days per year of insurance.<\/li>\n<li><strong>Same price whether monthly or annual.<\/strong> With most insurers, the shorter the policy, the more you pay per day. With <strong><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a><\/strong>, you always pay the same rate. This makes it a great option even for shorter trips.<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_watch_out_for_with_Safety_Wing\"><\/span><span class=\"ez-toc-section\" id=\"What_to_watch_out_for_with_Safety_Wing\"><\/span><strong>What to watch out for with Safety Wing<\/strong><span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Insurance for trips to the USA is more expensive, so <strong>we recommend only activating the US add-on for the period you&#8217;re actually there<\/strong>. Once you leave, switch back to the cheaper plan.<\/p>\n<p>After 364 days of insurance, the contract deactivates \u2013 unless you confirm the renewal via email. Make sure you don&#8217;t miss this.<\/p>\n<p><em>Insurance longer than 28 days is billed every 4 weeks. <strong>So you don&#8217;t have to pay a large sum upfront<\/strong>, unlike with most other insurers. You can find the <a href=\"https:\/\/safetywing.com\/static\/media\/safety-wing-specimen-policy-0118.dc91f542.pdf?referenceID=24736613&amp;utm_source=24736613&amp;utm_medium=Ambassador\" target=\"_blank\" rel=\"noopener\">full policy wording<\/a> here.<\/em><\/p>\n<p><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a> also offers special plans for startups and online businesses with employees around the world. Through a single subscription, you can provide medical care for your team anywhere on the globe. The product is called <a aria-label=\"Remote Health (opens in a new tab)\" href=\"https:\/\/safetywing.com\/remote-health\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Remot<\/strong><\/a><strong><a href=\"https:\/\/safetywing.com\/remote-health?referenceID=24736613&amp;utm_source=24736613&amp;utm_medium=Ambassador\" target=\"_blank\" rel=\"noreferrer noopener\">e <\/a><\/strong><a aria-label=\"Remote Health (opens in a new tab)\" href=\"https:\/\/safetywing.com\/remote-health\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Health<\/strong><\/a>.<\/p>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SafetyWing_insurance_calculator\"><\/span><span class=\"ez-toc-section\" id=\"SafetyWing_insurance_calculator\"><\/span><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a> insurance calculator<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"safetywing-price-widget\" data-safetywingaffiliateid=\"24736613\" data-scale=\"1.0\"><\/div>\n<p><script type=\"text\/javascript\" src=\"https:\/\/storage.googleapis.com\/safetywing-static\/widget\/safetywing-price-widget.js\"><\/script><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"True_Traveller\"><\/span><span class=\"ez-toc-section\" id=\"True_Traveller\"><\/span>True Traveller<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\"><strong>True Traveller<\/strong><\/a> is a British insurer particularly popular among residents of the European Economic Area, as it&#8217;s only available to EEA residents.<\/p>\n<p>The cheaper plans from <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> offer good value, at least if you commit to a minimum of one year. Unlike <a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a>, they offer a whole range of add-on coverages (which <strong><a class=\"thirstylink\" rel=\"nofollow noopener sponsored\" target=\"_blank\" title=\"SafetyWing dlouhodob\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a><\/strong> includes as standard) that can add up.<\/p>\n<p><strong>What&#8217;s really great about <a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored\">True Traveller<\/a>?<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Coverage up to \u00a310 million<\/strong>, which many competitors can&#8217;t match.<\/li>\n<li><strong>Policies can be taken out for up to 18 months.<\/strong> Plus, you can extend them. The downside is that you pay the premium upfront in full.<\/li>\n<li>The basic plan covers <strong>over 90 sports and activities<\/strong>.<\/li>\n<li><strong>You can return home as often as you like.<\/strong> However, the insurer won&#8217;t cover you while you&#8217;re in your home country.<\/li>\n<li><strong>Medical expenses over \u00a3500 are paid directly.<\/strong> Lower amounts must be paid out of pocket and then claimed back.<\/li>\n<li><strong>Adding USA and Canada coverage is cheap.<\/strong> On an annual contract, the add-on costs around $90.<\/li>\n<li>97% of <a href=\"http:\/\/trustpilot.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Trustpilot<\/strong><\/a> <strong>reviews rate the insurer as excellent<\/strong>.<\/li>\n<\/ul>\n<p><strong>What to watch out for:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Add-ons cost a lot.<\/strong> Extending an annual policy (costing around $500) by just one week costs an incredible $50.<\/li>\n<li>If there&#8217;s a contracted public hospital or doctor nearby, <strong>they won&#8217;t cover treatment at a private facility<\/strong>.<\/li>\n<li><strong>High excess.<\/strong> When ordering, tick the option for zero excess. It&#8217;ll cost you roughly $50 per year and pays for itself with even a single claim. The default excess ranges from $42 to $150 per event.<\/li>\n<li><strong>Working abroad isn&#8217;t covered by default.<\/strong> You&#8217;ll need to purchase the Adventure Pack add-on, which covers manual labour and volunteering.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"World_Nomads\"><\/span><span class=\"ez-toc-section\" id=\"World_Nomads\"><\/span>World Nomads<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For the more conservative travellers, <a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/world-nomads\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored\"><strong>World Nomads<\/strong><\/a> is still on the market \u2013 an insurer with a long track record. Their main selling point is the ability to purchase insurance even when you&#8217;re already travelling. How innovative! Today, almost every competitor offers this too, so you can certainly do better.<\/p>\n<p>This insurer is quite expensive and has different terms (and prices) for each country, but they still maintain their client base, largely thanks to their reputation and excellent extreme sports coverage in the most expensive package. That&#8217;s why it&#8217;s insurance for adrenaline junkies and extreme athletes who need a no-compromise service.<\/p>\n<p><strong>Advantages of World Nomads<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>They can pay hospitals directly<\/strong>, but it doesn&#8217;t always get arranged in time. In that case, you&#8217;ll have to pay out of pocket and wait 3\u20136 weeks for reimbursement.<\/li>\n<li><strong>Excellent extreme sports coverage<\/strong> in the most expensive package.<\/li>\n<\/ul>\n<p><strong>What to watch out for:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li>World Nomads works with multiple underwriters, so every policyholder has different terms (depending on their home country). <strong>Prices, conditions, limits, and benefits all vary<\/strong>.<\/li>\n<li><strong>Policy extensions are expensive.<\/strong> One extra week beyond your contracted period costs around $80.<\/li>\n<li><strong>You&#8217;re only allowed to return home once<\/strong> during your trip. Nomads who frequently return home will need to buy shorter policies at higher prices.<\/li>\n<\/ul>\n<p><strong>TIP:<\/strong> Travel insurance is definitely worth it because you never know what might happen, so don&#8217;t forget about it when planning your trip.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions_FAQ\"><\/span><span class=\"ez-toc-section\" id=\"Frequently_asked_questions_FAQ\"><\/span>Frequently asked questions (FAQ)<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-642430f78e46f\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Do_airlines_provide_compensation_for_lost_or_delayed_luggage\"><\/span><span class=\"ez-toc-section\" id=\"Do_airlines_provide_compensation_for_lost_or_delayed_luggage\"><\/span><strong>Do airlines provide compensation for lost or delayed luggage?<\/strong><span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n<p>Yes. Every airline handles it slightly differently, but in principle, if your luggage is delayed, they&#8217;ll reimburse the costs you had to incur because you didn&#8217;t have your belongings (toothbrush, clean shirt, etc.). They can also compensate for damaged or even lost luggage. You can find more about your rights under the <a href=\"https:\/\/www.legislation.gov.uk\/eudr\/2004\/261\/contents\" target=\"_blank\" rel=\"noreferrer noopener\">Montreal Convention and EU regulations here<\/a>.<\/p>\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e473\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Why_do_I_need_to_fill_in_my_home_country_when_buying_insurance_Im_a_digital_nomad_and_dont_live_anywhere\"><\/span><span class=\"ez-toc-section\" id=\"Why_do_I_need_to_fill_in_my_home_country_when_buying_insurance_Im_a_digital_nomad_and_dont_live_anywhere\"><\/span><strong>Why do I need to fill in my home country when buying insurance? I&#8217;m a digital nomad and don&#8217;t live anywhere.<\/strong><span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n<p>Because insurers need to know where to evacuate you if you&#8217;re seriously injured or need long-term care. For most people, this will be their country of citizenship \u2013 where you have family, access to healthcare, and don&#8217;t need a visa to enter. Note that some insurers don&#8217;t explicitly require you to be a resident of that country.<\/p>\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e475\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"When_should_I_buy_insurance_Should_I_wait_until_departure_day_or_even_until_Im_already_travelling\"><\/span><span class=\"ez-toc-section\" id=\"When_should_I_buy_insurance_Should_I_wait_until_departure_day_or_even_until_Im_already_travelling\"><\/span><strong>When should I buy insurance? Should I wait until departure day, or even until I&#8217;m already travelling?<\/strong><span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n<p>The sooner you buy your insurance, the better. You should head to the airport or border with an active policy already in place. Terms vary by insurer, but coverage often doesn&#8217;t kick in until at least 4 hours after purchase. If you buy insurance at the airport, there&#8217;s a risk the insurer won&#8217;t cover a delayed flight.<\/p>\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e476\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_to_choose_travel_insurance_suitable_for_a_visa_application\"><\/span><span class=\"ez-toc-section\" id=\"How_to_choose_travel_insurance_suitable_for_a_visa_application\"><\/span><strong>How to choose travel insurance suitable for a visa application?<\/strong><span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n<p>Some countries require proof of paid travel insurance before they&#8217;ll let you in. Examples include Schengen area countries (for non-EU citizens), the USA, and Canada. Always check the specific requirements of the country you&#8217;re visiting, but the insurers mentioned in this article should be accepted worldwide.<\/p>\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e477\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_you_compare_long-term_travel_insurance_plans_anywhere\"><\/span><span class=\"ez-toc-section\" id=\"Can_you_compare_long_term_travel_insurance_plans_anywhere\"><\/span>Can you compare long-term travel insurance plans anywhere?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n<p>Yes! For UK-based travellers, comparison sites like <a href=\"https:\/\/www.comparethemarket.com\/travel-insurance\/\" target=\"_blank\" rel=\"noopener\">Compare the Market<\/a> or <a href=\"https:\/\/www.gocompare.com\/travel-insurance\/\" target=\"_blank\" rel=\"noopener\">GoCompare<\/a> let you compare travel insurance policies side by side. However, for specialist long-term and nomad insurance like the ones we recommend here, you&#8217;ll often need to compare them manually.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_to_make_your_travels_easier\"><\/span><span class=\"ez-toc-section\" id=\"Tips_to_make_your_travels_easier\"><\/span>Tips to make your travels easier<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li><strong>Regularly scan all documents<\/strong> you collect on the road. Especially medical records, receipts for clothing, electronics, expensive items, and travel gear. Keep documentation for everything you buy and pack into your luggage, and scan all receipts immediately after your luggage is delayed. Store everything in cloud storage.<\/li>\n<li><strong>Keep all travel documents in digital form.<\/strong> Especially your passport, driving licence, visas, and passport entry stamps.<\/li>\n<li><strong>Travel with payment cards that are designed for travellers.<\/strong> Leave a backup card with a family member and just write down its numbers. It could come in handy for online payments if your wallet gets stolen.<\/li>\n<li><strong>Always carry a physical copy of your insurance contract and passport<\/strong> on your person at all times. If you have an accident, first responders need to be able to identify you without your help (e.g., if you&#8217;re unconscious).<\/li>\n<li><strong>Check what global emergencies your insurance covers.<\/strong> For example, during the coronavirus pandemic, you only had 10 days to leave countries for which the US CDC issued a Warning Level 3. Within a week, that essentially covered all of Europe. If you stayed in affected countries, any claims related to COVID (hospitalisation, cancelled flights, etc.) were not covered.<\/li>\n<\/ul>\n<div class=\"wp-block-visual-link-preview-link\"><img decoding=\"async\" class=\"vlp-image\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/jak-na-levne-letenky-370x230.jpg\" alt=\"\" title=\"\"><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_find_cheap_flights_15_proven_and_lesser-known_tips\"><\/span><span class=\"ez-toc-section\" id=\"How_to_find_cheap_flights_15_proven_tips\"><\/span>How to find cheap flights: 15 proven and lesser-known tips<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"summary\">Travelling isn&#8217;t expensive, but flights usually are. They&#8217;re often the single biggest expense of any trip. We&#8217;ll teach you how to find cheap flights.<\/div>\n<\/div>\n<div class=\"wp-block-visual-link-preview-link\"><img decoding=\"async\" class=\"vlp-image\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/kratkodobe-pronajmy-370x230.jpg\" alt=\"\" title=\"\"><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_find_cheap_accommodation\"><\/span><span class=\"ez-toc-section\" id=\"How_to_find_cheap_accommodation\"><\/span>How to find cheap accommodation<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"summary\">Cheap accommodation is available all over the world. Beyond hotels, there are plenty of options you can get for a fraction of the price, [&hellip;]<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u2705 How to choose the best annual travel insurance? \u2705 A guide for travellers and digital nomads \u2705 Insurance as a subscription<\/p>\n","protected":false},"author":2,"featured_media":55187,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"Best Annual Travel Insurance: Comparison 2024","rank_math_description":"Looking for the best annual travel insurance? Compare top options for long-term travellers and digital nomads. Find your perfect plan today!","rank_math_focus_keyword":"annual travel insurance","rank_math_seo_score":""},"categories":[335],"tags":[],"class_list":{"0":"post-128848","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel-tips"},"featured_image_src":"https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/dlouhodobe-cestovni-pojisteni.jpg","author_info":{"display_name":"Luk\u00e1\u0161 Kone\u010dn\u00fd","author_link":"https:\/\/loudavymkrokem.cz\/en\/author\/lukas-konecny\/"},"_links":{"self":[{"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/posts\/128848","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/comments?post=128848"}],"version-history":[{"count":0,"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/posts\/128848\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/media\/55187"}],"wp:attachment":[{"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/media?parent=128848"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/categories?post=128848"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/en\/wp-json\/wp\/v2\/tags?post=128848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}