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Resources, Travel, Trip Planning

Everything you need to know about travel insurance.

Have questions about travel insurance? You’re in the right place.

Travel insurance can, like any insurance, feel intimidating or confusing when shopping for it. Fear not, I’m here to help walk you through all of the most popular questions about travel insurance.

What if I already have health insurance? Do I really need it? Where do I get travel insurance? What does it cover? What’s the process like if I need to use it? Is it expensive? 

All of these questions were things I asked myself when I first considered getting a travel insurance policy. You might think I took one out for my trip to Asia (which I did), but I’d actually purchased travel insurance two times before that, with no regrets! Without further adieu, let’s dive in.

Why would I need travel insurance?

Travel insurance is a beautiful blend of health insurance and renter’s insurance. Unlike other policies, travel insurance will cover both you and your belongings while you’re on the go.

If you accidentally smash your tablet, drop your camera, or break your leg while traveling, travel insurance covers all of those. What I like most though is the fact that you’re location independent. Renter’s insurance might not cover my valuables if I’m in Timbuktu, but travel insurance would. The same goes for health coverage.

What if I already have health insurance?

When I was first looking into travel insurance, I was planning my first trip to Burning Man. At the time, my job offered a great health insurance program that I was a part of. Because of this, I wasn’t sure that I needed travel insurance. What was it going to cover that my regular health insurance wouldn’t?

DISCLAIMER: All information in this post is based on personal experience, and I am not a professional insurance broker.

As it turns out, there was quite a bit that my travel insurance policy would cover that wouldn’t be covered by my regular health insurance policy. Since I was heading to Burning Man, I was particularly keen on the benefit of a medical evacuation.

If something had happened to me, my travel insurance policy would have covered a helicopter evacuation – up to $500,000 USD! While I didn’t think anything like that would happen, I didn’t want to be a 3 hour drive from the nearest hospital and find out the hard way.

While the medical evacuation was the big selling point for me, there were other benefits for me too. Travel insurance would help offset any costs I might have incurred beyond what my regular health insurance would have covered. There was also the peace of mind that I wouldn’t have to worry about my health insurance not covering me at Burning Man because it is an “extreme event”. Whereas with travel insurance, they’re used to people doing the extreme!

Do I really need it?

Now this question is a bit tough because, frankly, that’s a choice you’ll have to make for yourself. My stance will always be “better safe than sorry” when it comes to your health, well being, and the risk of your valuables getting stolen or broke.

I recommend comparing any current coverage to that of your potential travel insurance provider. This will give you a clearer picture of the potential benefits.

Where do I get travel insurance?

Just like regular health insurance, there are plenty of insurance providers out there to chose from. Your best bet would be to Google “travel insurance policies”. Most likely, the first result you’ll see is a company called World Nomads.

World Nomads is my provider of choice, I love them. They had me right off the bat by offering a no-strings-attached quote. I hate it when you apply for a “free quote” and it turns into 100 emails a day, never ending phone calls, and weird people at my doorstep. Okay might not people at my doorstep, but you know what I mean!

They have great customer service, a quick response time, and were very helpful to me when I needed to file a claim. They also offer different “levels” of coverage. This way, you can choose the right amount of coverage for your needs.

Is it expensive?

I’m happy to say that, no, it’s not that expensive! Cost depends on where you’ll be traveling, for how long, and what type of coverage you want.

Here’s what I’ve paid with World Nomads:

  • Two weeks traveling in the US: $36
  • One month traveling in the US: $73
  • Five months traveling in Asia: $110

I’ve only had to file a claim once, and that was for an urgent care visit in Hong Kong. The insurance policy was $110, and my claim was for ~$90 – and I got every penny of that! It almost paid for itself!

What if I need to use it? How does that work?

Medical

In most cases (double check with your provider), you’ll need to pay for all medical costs upfront. You’ll then file a claim with your provider to be reimbursed. I admit, I was a little leery of this at first, but World Nomads was great about getting my claim filed and approved quickly.

When you file a medical claim, you’ll typically need to present all of the following:

  • Receipt from your payment method, with the cost clearly printed
  • Diagnosis / Description of the expense (broken leg etc)
  • Signed agreement form that comes with your insurance paperwork
  • Copies of your arranged travel to and from your home country. I sent in screenshots of my flight confirmation emails to and from the US

I sent all of these things to World Nomads and they got back with me in a few days saying my claim in the amount of $88.98 was approved. If you decide to go with a different provider, simply ask them which documents are required for a claim. Make sure to ask them when you take out the policy so you get everything you need during the incident. It would suck to have to track down a clinic in Bosnia just for a piece of paper!

Items

Luckily, I’ve never had to file a claim for a lost item – but I did talk to my World Nomads rep about it when I filed my medical claim. If, for example, an elephant had smashed my cell phone I would have had to provide the following:

  • Proof of current ownership
  • Proof of purchase listing the cost of the item
  • Proof that I was traveling with the item
  • A description of how the item got damaged
  • Signed agreement form

Item coverage is another benefit of travel insurance for me. When I had my near-kidnapping in Vietnam, I didn’t think twice about throwing my backpack over the highway guardrail because I knew anything in there would be covered and replaced.

Any other questions?

I hope you’re feeling more educated and empowered now! If you have any other questions about travel insurance, I’d love to hear them.. Leave me a comment, and share this article with your friends so they can benefit too!

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Everything you need to know about travel insurance | Travel | Health | Insurance | Cheap Travel Insurance | Zoom Goes
Resources, Travel, Trip Planning

Budget Report: how much does it cost to travel for 5 months?

How much does it cost to travel

“How much does it cost to travel?”

This is by far the most common question that I get asked about travel. I had always read that “you don’t have to be rich to travel” but how true was that really? Let’s find out!

About this report

I decided to break this down by country. Since most of the countries I visited don’t accept American cards, I payed cash for almost everything. I tallied these numbers by looking back on my bank statements and adding up the cash withdrawals according to the dates I was in each country. On my next trip, I’ll keep better track of expenses by category for you guys so we can find out how much they were individually. 🙂

The numbers below include everything you might pay for back home. Food, lodging, entertainment, midnight snacks, transportation, toiletries, clothes etc.

Before I left for my trip, there were a few purchases I had to make that will be included in the total, but aren’t associated with any particular country.

Flight to Bangkok: $414

Flight home from Tokyo: $861.66 (if I had planned better, I could have bought this further in advance and lowered the cost big time!)

Travel insurance: $110

Keep Costs Low

There was also a considerable amount of prep-work that I did before I left, in an attempt to keep costs down. If you’re ever planning some long term travel, I recommend you do the following to keep costs low:

  • Open an account with a company that doesn’t charge foreign transaction fees. I use Capitol One 360 – this saved me a few bucks every time I used an ATM OR made an online purchase in another currency.
  • Open an account with a company that will reimburse you for your ATM fees. Since I come from a military family, I use USAA. If you’re non-military, take a look at online banks such as Charles Schwab for this perk.
  • Buy one way tickets. My ticket to Bangkok was actually round-trip, even though I didn’t catch my flight to come home. Buying a one way ticket keeps you from having to pay ticket change fees, and from eating the cost of paying for a seat you might choose not to be in once you get on the road.
  • Give up the booze. I started doing this before I left and once I was on the road. Not buying alcohol can literally save you hundreds of dollars!

The final numbers

6 flights, 9 buses and 10 trains later, I present to you: the final costs! How much do you think it will be?

Cost Breakdown by Country

  • USA, San Francisco: $1,329.37
  • Thailand: $666
  • Laos: $641.24
  • Vietnam: $714.37
  • Cambodia: $323.92
  • Malaysia: $136.57
  • Singapore: $527.18
  • Hong Kong: $323.44
  • Japan: $1,978.49

Total Cost: $7,498.40

Is that higher or lower than what you expected?

When I looked at this number, I felt a bit shocked. It seems high (thanks Japan)…but when I think about how much my cost of living was in America – it was actually cheaper to travel!

In Chicago, my apartment expenses started at $600/mo. Once you add in groceries, transportation, entertainment, girls night out, a Netflix subscription, and impulsive video game purchases, life on the road was more affordable – and so much more satisfying!

Looking back on the trip, there’s a lot of things I would do differently to save even more. All in all though, this was still the trip of a lifetime and absolutely priceless!

If you have any questions about the costs, or ideas on how to save even more – leave me a comment!

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Resources, Travel, Trip Planning

FREE Giveaway! World Map themed 3-set of clutches by Allen Edward.

ZoomGoes Giveaway

Welcome to the very first giveaway on ZoomGoes!

Step right up, step right up for your chance to win this beautiful set of clutches!

Anyone who has ever received a gift from me knows that I suck at waiting to give them. Whenever I have something I know someone will love, I want to give it to them RIGHT NOW!

Oh, I know Christmas isn’t for 8 months, but I got you this awesome Christmas present! Don’t you love it?! Crap… now I need to buy them a Christmas present!

This post was supposed to be released tomorrow (Thursday) but I was just so excited I couldn’t wait that long! I know you guys are going to love these!

Illustrating a world map, and designed by Allen Edward, these clutches are perfect for helping your organize your travel bag or to make an “I love adventure” statement during a night out on the town!

Here’s a funny homemade infomercial:

Why am I having a Giveaway?

On Sunday, I unveiled my plans to turn ZoomGoes into a brand. This requires a change in marketing, content strategy and focus on building an audience. Real bloggers have giveaways, so here we are!

I know you’re not going to want to increase the competition for these little beauties, but why don’t you share this post with your friend? If either of you won, maybe each of  you could have a clutch and rotate Sundays for the third one.

How to Win

To enter the giveaway, all you need to do is fill out this form:

This will enter you into the giveaway, and subscribe you to my email list. Don’t worry – my Momma taught me the only good spam comes in a can! I’ll never sell your email address or do anything malicious with it, I just want to know how to contact you with kick-ass adventure inspiration!

Email list members (aka ‘my tribe’) receive the following benefits:

  • Automatic entry into all future giveaways
  • The first to receive value items such as eBooks, discount coupons on my services, and How-To guides not posted on ZoomGoes
  • Notifications of new blog entries (posted on Sundays and Thursdays)
  • Private invitations to my webinars
  • and more!

You can unsubscribe at any time if you’re not digging it (but I bet you will!)

Winners will be contacted via email, and announced on ZoomGoes.com on October 6th. If you are selected as the winner, I’ll ask you for your mailing address at that time.

Good luck contestants! Thanks for reading, commenting and sharing ZoomGoes!

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Packing, Resources, Travel

5 reasons why I’m not a good traveler.

I joke with people sometimes that I’m not a good traveler, but it’s true.

A good traveler usually sees all the recommended tourist locations, and eats a new food every meal. They socialize with other travelers and go out partying all night long. Also, they have unlimited amounts of energy to spend in the heat and sunlight because they are beach loving bums.

I am not a good traveler.

1. I don’t know where I’m going.

When I go out for the day, sometimes I have a rough idea of where I’m headed. By rough I mean that if you ask me where I’m headed, I sometimes respond with something along the lines of: “oh you know…that place with the bamboo…” because I have no idea what the name is.

Some places are easier than others to remember. Angkor Wat, for example, is a world wonder. Tomb Raider was also filmed there, so who could forget? On the other hand, Fushimi Inari-taisha (a shrine in Japan), is a harder name to remember. Its known to me as “the orange gates place”.

I'm not a good traveler because I always forget the name of this place (Fushimi Inari-taisha). I just call it "the orange gates shrine".

I also like to go out and just get lost – in fact, I make it a point to do this! For me, I find this is the best way of adventuring. Everything you come across is spontaneous. Since I’m a surprise-loving-freak this makes it 10x more special and fun!  It also makes my travels more Burning-Man-esque! Continue Reading

Inspiring Stuff, Resources, Travel

How you can plan an adventure, RIGHT NOW in 5 steps

Adventure isn’t just for other countries and far away lands.

So many people tell me “I wish I could travel, I wish I could do what you’re doing”. I admit that I’m lucky to have the means and ability to be where I am right now. But guys, travel isn’t just quitting your job, going to other countries or bathing elephants. It sounds so cool when you say it like that, but adventure can be done in many doses. In my opinion, adventure is about attitude.

When I get home, I’ve been thinking about what I’ll put on the blog – because I do want to keep blogging. I’ve decided that I’m going to keep adventures going. I’ll continue to travel on weekends, days off and whenever I can. I’ll keep doing adventures and sharing them with you.

Before I get home though, I want to show you how easy it is go to get some adventure in your life. So, let’s get you suited up!
Continue Reading