July 17, 2025 0 Verity Colquhoun

Does Your Travel Insurance Actually Work Where You're Going?

Wait… Does Your Travel Insurance Actually Work Where You're Going?

👀 Preview text: Because not all insurance is created equal, especially in the USA. Here’s who to trust (and who to skip).

🩹 Travel Insurance: What Works Where (and What Doesn’t)

Let’s be honest — buying travel insurance is one of those things you do five minutes before takeoff, click “cheapest,” and hope for the best.

But here’s the thing: what works for Europe won’t always work for the US, or Asia, or multi-country trips.

So here’s your no-BS guide to insurance that actually covers you — based on where you’re headed.

💡 Heads up: Just because you used Option A last year for your Italy trip and everything went fine doesn’t mean it’s the best choice for the US, Bali, or a road trip through Canada.

Different destinations = different risks = different fine print. Always match your policy to your route — not your last holiday.

🇪🇺 If You’re Going to Europe:

You don’t need insurance to enter most countries (yet), but it’s still essential.

✅ Best For Europe:

Cover-More (AU-based, great for UK/EU, solid cover for cancellations and delays)
SafetyWing (monthly-style cover, good for long Euro trips and digital nomads)
Allianz Global Assistance (widely accepted in EU hospitals, especially Germany & France)

🚨 Watch Out For:

Check that your policy covers every Schengen country you're visiting.
Some budget insurers exclude rental cars in Italy or skiing in France.

🇺🇸 If You’re Going to the USA:

This is the most expensive country on Earth for medical care. A sprained ankle can cost you $10K.

Insurance here is non-negotiable.

✅ Best for the USA:

Southern Cross Travel Insurance (SCTI) – great value and excellent US medical coverage
World Nomads – ideal for adventurers (hiking, road-trips)
Allianz or AIG – big-name support, 24/7 assistance, direct billing