Originally Posted by
nlomb
Hi all,
I wanted to get some advice on travel insurance and if it's worth even getting. A lot of the people I have followed on youtube and read their stories on blogs have opted out of travel insurance for various reasons but I am unsure.
I am starting my bike tour in Colombia on October 15th, I will be biking through Colombia, Ecuador, and Peru for 1-2 months. I am 26 and quite healthy, with no existing medical conditions.
Wanted to get some of your thoughts regarding this.
Thank you.
You are going into a part of the world that is identified as having issues with a number of tropical diseases. First of all, do the research, consult your doctor and get the shots.
Then yes, have travel insurance. Build it into your trip budget. Of course, once you have paid before you go, you don't have to worry continually paying out cash.
However, for each policy you consider, examine the Product Description/Disclosure Statement (PDS) very carefully and look at the long list of exclusions. Cycling isn't usually one of them (but participating in a race or time trial often is), and look at what other activities you may possibly participate in -- often, they are excludes, too.