Booking international travel always carries some degree of uncertainly. Having an international travel insurance policy in place can safeguard your travel investment in the case that your trip is cancelled or interrupted for reasons beyond your control. There are also other protective perks when dealing with a missed or delayed flight, unexpected illness, lost luggage, or even the potential of political unrest. Purchasing the right travel insurance can give you peace of mind when traveling and also soften the impact of unforeseen events.
Mosaic North Africa does not provide any insurance coverage.
Travel Insurance Companies We Recommend
Here are a number of travel insurance companies that may be good options for you:
- World Nomads: www.worldnomads.com
- Travel Guard: www.travelguard.com
- Travelex Insurance: www.travelexinsurance.com
Mosaic North Africa does not partner nor receive any compensation or benefits from any of the above mentioned companies.
When to Buy Travel Insurance?
While it is possible to purchase insurance before you make any reservations for your trip, many travel experts advise to wait to buy insurance when you have money at risk. Buying a non-refundable airfare or paying a non-refundable tour deposit will put your money at risk. This way, you’ll know your ticket price and tour price, and can make sure your insurance will cover these costs in case you need to file a claim later. Typically, the more information you have about your upcoming trip and your estimated expenses, the easier it will be to buy insurance coverage that suits your travel needs. Once you have done all of your research, then the sooner you buy travel insurance, the sooner you’ll be covered and the more benefits you may be eligible to receive.
Too busy packing and forgot to buy insurance? Many insurance companies allow you to purchase last-minute travel insurance up to one day before your departure. However, keep in mind that certain benefits are dependent on when you buy your insurance plan and may not be eligible if you buy it last minute.
Choosing The Right Insurance Coverage
It will take some thoughtful consideration to decide on the type of insurance coverage you need, how much you need, and what supplemental coverage is most suited for your North Africa trip.
Some insurance companies offer their coverage as a comprehensive package while other insurance companies allow you to customize and choose the types of coverage you need. Regardless of the type of insurance you are considering, here are some questions that might help you find the right insurance coverage that fits your travel plans.
What type of insurance coverage do you need for your trip?
- Travel medical and dental treatment plan
- Emergency evacuation and repatriation
- Trip cancellation, interruption and delays
- Trip cancellation for any reason (including personal reasons)
- Lost, stolen or damaged baggage and personal belongings
- 24-hour assistance services
- Illnesses due to Covid-19
- Political unrest
- Natural disasters
- Road accidents
Consider the relative importance of the above options to decide on the type of coverage suited for your travel needs.
What is the cost of the travel insurance?
There are many factors that affect the cost of the insurance coverage. Generally speaking, the longer the trip and the more expensive your trip is, then the higher the insurance will cost. Other factors such as your age, any pre-existing medical conditions, and the cost of local healthcare will also determine the cost of your travel insurance. Also, the more risks that the travel insurance covers, the more expensive the insurance policy will be. There are also supplement options that you can add for additional costs such as trip cancellation for any reason in order to receive reimbursement on nonrefundable reservations no matter why you decide to cancel your trip.
Other questions to consider:
- Does my credit card have any built-in insurance coverage?
- Does my existing insurance have any coverage?
- Do you have any pre-existing medical conditions that might affect the type of coverage you might need?
- What kind of coverage will I have for the country and region I am traveling in?
- How much is peace of mind really worth to you?
Travel always involves risks. While travel insurance can help minimize the considerable financial risks of traveling, it does not eliminate all risk, and likely won’t entirely reimburse every expense. When choosing if travel insurance is right for you, do your homework, ask questions, and think about how much peace of mind is really worth to you.
We wish you a safe and enjoyable trip in whichever North African destination you visit!