When planning your trip to Spain travel insurance is one of the things that you should take into consideration.
Booking travel always carries some degree of uncertainty. In this sense, a travel insurance policy is designed to cover certain financial risks that you don’t want to bear on your own.
Considering travel insurance for your trip? World Nomads offers coverage for more than 150 adventure activities as well as emergency medical, lost luggage, trip cancellation and more.
Travel insurance helps protect you from certain kinds of unexpected events that can occur before or during your trip to Spain.
Unlike auto insurance, travel insurance is elective, which means it’s up to you to decide if you want it.
As I said before, travel insurance is not mandatory when embarking on a trip. So the decision is all yours.
Here are the steps that you should follow to determine whether or not you should get a Spain travel insurance:
If you’ve never purchased travel insurance before or you’re not sure what travel insurance is, here’s a quick overview of what a travel insurance plan could cover:
A typical travel insurance provides 24/7 assistance to help you.
World Nomads travel insurance has been designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation and more.
However, different providers offer different plans with a mix of these coverages and more, so be sure to educate yourself about all the options before choosing one.
A Spain travel insurance that includes medical costs is a temporary medical insurance that covers you on your trip.
It may pay expenses such as:
Most comprehensive travel insurance plans include coverage for baggage loss and baggage delay if your bag is not permanently lost or damaged.
Let’s see the difference between both coverages.
1. Baggage loss coverage
It usually provides reimbursement for luggage and covered personal items that are lost or stolen while you’re traveling.
Baggage and personal effects coverage is typically secondary coverage, which means that it will act to supplement any reimbursements offered by a common carrier (such as an airline that loses your bags) or by your homeowner’s insurance.
2. Baggage delay coverage
It generally allows you to purchase essential items you need for your personal comfort while you’re waiting for your bags to arrive. As with baggage loss coverage, it is secondary coverage to any benefits your airline or common carrier may provide to you.
Baggage delay coverage generally becomes active after your belongings have been delayed for a specified period of time. Depending on the policy, it will usually be either 12 or 24 hours. Until that period of time has passed, you may not be eligible for reimbursement.
Another important consideration is that baggage delay coverage is typically only available on the outbound part of the trip.
The coverage that most people are aware of is trip cancellation, which provides reimbursement for unused, non-refundable, prepaid trip costs if you need to cancel your trip for a covered reason, such as sickness, job loss, flight cancellations due to adverse weather and more.
Similarly, with coverage for trip interruption you can get a refund of your trip costs if you can’t continue your trip due to a covered event. Moreover, certain plans provide reimbursement for additional transportation costs to return home or rejoin your group.
Travel insurance may also include travel delay.
Since 2002, World Nomads have been protecting, connecting and inspiring independent travelers.
They offer simple and flexible travel insurance and safety advice to help you travel.
Because they believe in giving back to the places we travel to, World Nomads also enables you to make a difference with a micro-donation when you buy a policy.
And they’ll help you plan your trip with free downloadable guides, travel tips, responsible travel insights and recommendations from their global community.
Being an Australian company, I got to know World Nomads while I was living in Melbourne in 2007. I had the chance of spending a full year exploring the country.
The process for filing a travel insurance claim is similar to car or home insurance. If you get in a car accident or have a water leak in your bathroom, you file a claim.
In similar fashion, if something happens during your trip and you need to use your travel insurance, you’ll need to file a claim to be reimbursed.
The claim filing process usually looks like this:
Travel insurance, like other forms of insurance, kicks in when you file a claim (online, app, or phone) under your current policy.
You’ll need to submit some form of proof of your loss or reason for cancellation. Your travel insurance provider will let you know exactly what type of proof and documentation is needed.
Once the claim is submitted, your insurance provider will start working on your claim and gathering any additional needed info.
Finally, as soon as the paperwork is reviewed and accepted, your claim is approved and paid or denied.
Disclaimer: I receive a fee when you get a quote from World Nomads using this link. I do not represent World Nomads. This is not a recommendation to buy travel insurance.