The two most frequent travel related questions I receive are “how do I setup my money” and “what do I do for health insurance?” I previously answered the 1st question and today, I’ll address the 2nd.
While on the road, World Nomads is hands down is the health insurance of choice.
World Nomads is essentially emergency-only health insurance. For United States residents, your co-payment is $100. This means if you’re going in for something routine, you’re going to pay for it. But if it’s something catastrophic, you’re covered.
Other reasons why I like World Nomads:
- Covers you while participating in all kinds of crazy activities – surfing, scuba diving, bungee jumping, skydiving, snowboarding, etc…
- Travel insurance is thrown in for free if your things are lost or stolen.
- Available to residents around the world (not just US residents!).
- Easy sign-up process and easy to extend while traveling.
Some things to be aware of before purchasing:
- Unlike traditional health insurance, if there’s an accident, you pay fully out of pocket first, then file a claim to be reimbursed.
- While they cover you if your things are lost or stolen, only $500 of electronics are covered. If your new Macbook Air is stolen, you’re not going to be reimbursed for its full value. If you travel with expensive jewelry or electronics, you should consider purchasing additional traveler’s insurance.
- If you’re a United States resident and purchase domestic health insurance, you’re not covered if you’re within 100 miles of your permanent residence.
- Lastly, make sure to read all of the fine print of your policy so you understand exactly what you’re getting. It’s surprisingly easy to read.
Check out their website, WorldNomads.com for more information and if you have any questions or opinions on World Nomads, leave a comment, I’d love to hear them.
Jason Demant is the founder of UnAnchor.com, where you can find detailed do-it-yourself travel itineraries for your next trip. For the latest on travel-writing you can follow him on Twitter @UnAnchor, or join the I Love Travel Writing Facebook group.
Full Disclosure: All links to World Nomads are affiliate links and by using them you support my travel habit. You’re awesome!
Photo Credit: Laura4Smith
Do you have health insurance? Freelance writers often have difficulty figuring out how to navigate the waters when it comes to this important subject. Medical expenses can add up quickly and you don’t want to be caught without at least some protection. Unfortunately, there aren’t many good options for most of us at this point in time.
I have a policy that covers me in case of emergency, but as I get older I am going to need to look at more comprehensive options. Here is what I can tell you if you are looking into this for the first time:
- If you can get coverage through a spouse (or partner in some states), this is probably the best way to go.
- If you are a recent college graduate, check with your alumni association and see if they have any health insurance options.
- If you are making the jump from part-time to full-time writer, see what the COBRA options are for extending your insurance. This can be expensive, but it is an option for continued care.
- Consider an insurance plan with a high deductible. The monthly payments are typically lower, but you still have some coverage.
- Check with your Chamber of Commerce and see if they have any advice for you.
- Look into various associations for writers and other freelance professionals. The Authors Guild has plans for those in New York and Massachusetts and I recall both MediaBistro and the American Society of Journalists and Authors as having health insurance plans as well. You can also check out the National Writers Association and I”m sure there are others out there, so take a look and see if their plans are right for you. They require membership, and some are not available for all of the US.
- Check out resources such as RXAssist which can help you find free or low-cost medications, or ask the pharmacist if your medication is available in a generic which will lower the price.
The face of healthcare is changing, but for now, freelance writers don’t have a lot of good options. Still, some coverage is better than none, and there are some places that you can look. Take a little time to investigate, and if you find something worth sharing–please do!