Top 9 Travel Insurance to Volunteer Abroad
It’s time to buy travel insurance when you know…1. Your Travel Schedule and dates
2. If you’re taking a single volunteer trip or multiple gap year trips within the next year.
3. You have already paid your fees toward your trip
Travel/health insurance can get set into short-term and long-term coverage plans. One plan can only cover you for a single trip up to 60 days, while another will cover you for multi-trips up to 180 days. Make sure you check the options and fine print of each insurance, so you get the coverage during the time you are overseas.
Many travelers get insurance 45-60 days before departure, or after they make their first volunteer deposit. If you only need your name and trip dates to buy travel insurance, why wait? Make sure you get coverage as soon as you can, or it might become “too late.”
What coverage do you need as a volunteer traveler?
While the following is not an exhaustive list of all the coverages available with travel insurance plans, it describes those that are most useful to volunteer travelers.
- Evacuation coverage
- Medical expense coverage
- Trip interruption coverage
- Trip cancellation coverage
- Baggage coverage provides a certain amount of reimbursement for lost, stolen or destroyed luggage.
- Baggage delay coverage
- Accidental death and dismemberment
- Repatriation coverage.
- Travel assistance services
What’s the difference between my health insurance and travel insurance?
Will your existing health insurance policy cover you if you need medical treatment overseas? We hear this question a lot and the answer is most likely no because most national health insurance plans stop as soon as you leave your home country. This is the main difference between health insurance and travel insurance, and this is why we insist you have adequate travel insurance.
The best way to be sure is to check over your current health policy. If you’re in any doubt, contact your insurance provider and ask them. For more information about the difference between travel insurance and health insurance, this guide from World Nomads travel insurance is useful.
As always, make sure you seek a policy that is right for your personal circumstances and travel plans.
We Recommend for:
US volunteers: International Volunteer Card
International Volunteers: International Volunteer Card and World Nomads
What’s not covered?
Travel insurance will not to cover everything. Common claims for overseas not covered:
- If you've taken drugs or alcohol
- If you've been acting extra adventurous sport activities.
- Non-emergency treatment that can wait until you return home
- Certain pre-existing medical conditions
- Ongoing treatment at home
Any individual taking a trip for the purpose of volunteer organization projects or non-profit organization projects. *Special note: When filing a claim, you must provide documentation of a round-trip ticket in order for the entire duration of the trip to be covered. If your trip does not have a scheduled return date (i.e. if you have purchased a one-way ticket), IVC insurance covers travel en route to the destination ONLY and does NOT cover the duration of the trip itself or the return trip.
Trawick International is a full service insurance provider, with the primary focus of providing students, organizations, scholars, teachers, virtually any travelers with the medical coverage they need when traveling. We dedicate all of our resources to expanding and refining our role as a leader in providing high-quality, affordable study abroad health insurance plans. Our pledge is to deliver a superior insurance product, which offers real economic protection through the broadest network of providers at competitive and stable price. This pledge defines who we are and how we expect to be measured today and in the future. All of our plans either meet or exceed current visa requirements and provide affordable comprehensive coverage for students, scholars, professors and their families or any other travelers worldwide.
ISICare - It's Not Just Insurance
ISICare - It's Not Just Insurance ISICare is ISIC's Study Abroad and International Student Health Plan. ISICare offers all the benefits of the International Student Identity Card (ISIC) with a comprehensive travel medical policy, including but not limited to: Medical Maximums ($500,000), $0 deductible, Emergency Medical Evacuation, Emergency Reunion, Mental Illness Overage, Interscholastic Sports Coverage, Dental Coverage, 24/7/365 worldwide assistance, Plans Priced Per Month Up to 1 Year. All ISICare plans include the benefits of ISIC, the only UNESCO endorsed, globally recognized proof of student status, for 1 full year. Take advantage of ISIC\'s 40,000 discounts, special travel offers from STA Travel, ISIC Prepaid MasterCard, and more.
iNext Travel Card
The Comprehensive Travel Insurance Coverage offers a complete network of both supplemental and comprehensive travel insurance options and emergency assistance services. Benefits are available to anyone 13 years of age and older and are valid for 365 days anywhere you travel outside of the United States. Select from seven levels of coverage all of which are available for an affordable one-time fee. In addition to the excellent insurance and assistance services benefits you will receive, your iNext card also functions as an International ID card and provides additional benefits such as a free international mobile phone and access to various travel discounts.
Travel Insurance Services
Travel Insurance Services Medical insurance for students studying outside their home country is available for as little as $38 per month. Coverage is available to international students registered in U.S. schools and U.S. registered students studying outside the U.S. Meets or exceeds the requirements set by The Department of State, U.S. Citizenship and Immigration Services, NAFSA, University International Student Departments, and University Study Abroad programs. Get your student insurance waiver form today.
Money Super Market
If you are thinking of taking some time out to volunteer abroad, while it's great you will be helping others, you will need to look after yourself first with the right kind of travel insurance.
However, an online search for 'volunteer travel insurance' will not help. This is because theoretically, there is no such thing as volunteers travel insurance - you will need to look for gap insurance instead.
Traditional Travel and Emergency Medical Insurance is unlikely to meet your international needs and we recommend that you buy appropriate cover. All of our policies can provide the necessary medical benefits, emergency medical evacuation, repatriation coverage and 24-hour worldwide assistance.
World Nomads is an Australian company, established to provide more suitable and flexible travel cover for global travellers than standard insurers provide. World Nomads partners with some of the best insurers in the world to provide unique but financially secure travel insurance to our customers. These include: certain underwriters at Lloyd's, ihi Bupa International, Millstream Underwriting, AIG Insurance Company of Canada and National Union Fire Insurance Company of Pittsburgh, Pa.