how to choose travel insurance

How To Choose Travel Insurance?

QUICK ANSWER – after hours of research, we chose Heymondo! Keep reading to learn why and how to get a discount on your travel insurance…

Do I Really Need Travel Insurance?

YES! Unfortunately, there will be situations beyond your control.  If you become sick or injured, those medical bills can really add up.  Or perhaps you have your bag stolen, or a flight cancelled.  Maybe you accidentally break your phone on a night out.  Although these events are unlikely, they do happen, and having travel insurance gives you that extra piece of mind that you are protected.  It really is better to be safe than sorry. Natalie once got sick in the Philippines and needed tests at the hospital.  In just 2 hours the bill came to over $300! Do not put it off, protect yourself! 

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Jet2 Holidays Plane

How To Choose Who To Go With? is a great platform for comparing policies, however, with an abundance of insurers offering a multitude of policies, it can be a daunting task when choosing the right one. Here are some important features to look out for:

  • Check the excess and ensure it is a figure you could easily afford if necessary
  • Covered for at least £1 million for medical expenses
  • Covered for at least £1 million for personal liability
  • Covered for at least £10 thousand for personal accident
  • Repatriation to your home country – our parents wouldn’t let us choose insurance without this
  • Activity cover – make sure you’re covered for the basics and think about if you need ‘add on’ cover for hiking (over a certain altitude), winter sports, extreme sports etc.
  • Legal expenses
  • Cover for lost, stolen or damaged possessions
  • Gadget cover – it can be hard to find an affordable policy with enough cover on gadgets, so we also use
  • A 24-hour emergency helpline
  • ALWAYS read the small print, if there is a loop not to pay out, look elsewhere
heymondo travel insurance

Who Is The Best For Travel Insurance?

After hours of research, we chose Heymondo. Here are the main features why we chose Heymondo travel insurance:

  • It’s so EASY!
  • Affordable & reliable (5% discount available, see below)
  • There is a Heymondo app for free assistance calls, 24/7 medical chat and claims handling
  • All travel insurance plans cover medical assistance even in the event of infection by Coronavirus, regardless of any government recommendations/travel advisories.
  • There’s a wide range of coverages, from medical expenses to personal liability, repatriation home, baggage, travel disruption, etc.
  • You can customize your plan to your exact needs with add-ons like electronic equipment or adventure sports.

You can quickly get a quote using this link, along with a 5% discount for our readers! (discount applicable for non-American citizens)


How To Make A Claim With Your Travel Insurance?

  • Print and carry your insurance documents with you
  • Have the 24-hour emergency helpline saved in your phone
  • Have receipts of any valuable possessions you may need to make a claim on
  • If you’re not happy with their offer, dispute it with good reason
  • Be patient and positive
travel insurance tips
using our travel insurance for our motorbike trip in Vietnam!

Did This Help You Choose Your Travel Insurance?

We spent hours researching for the cheapest travel insurance but often found that the excess was too high or the small prints were too complicated.

Heymondo travel insurance made things straightforward as well as offering a competitive price on our policy. Invest in yourself with good travel insurance and you can enjoy your trip completely worry-free.

Well, that concludes our advice for travel insurance, we hope this helped! If you have any further questions or feel I’ve missed anything, let us know in the comments section below.

Planning a trip? Check out our Destinations for more travel tips and advice. 

Stay adventurous and Happy travels.

Charlotte & Natalie
If you enjoyed our free guide, you could support us by buying us a coffee! Don’t forget to follow us on Instagram, where we share more travel advice and inspiration. Charlotte & Natalie x


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2 Responses

  1. Nice information every year I use to travel different places but I didn’t have travel insurance. I will try on the above site. Thanks for sharing!

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Charlotte & Natalie

Hi There!

We’re Charlotte & Natalie, a British lesbian couple with a passion for travel and adventure.
Here you will find everything from LGBTQ+ travel & lifestyle advice, to comprehensive guides and itineraries designed to make your travel planning easier.
We want to inspire you to live the life of your dreams.


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