TRAVEL INSURANCE GUIDE
”One Unexpected injury during a trip cost me over $1000 out of pocket”
THE BAHAMAS INCIDENT
During our February 2023 trip to the Bahamas, an afternoon at the Atlantis water park turned into a medical emergency. My wife and I were riding a water slide when our raft flipped at the bottom, and when I tried to stand, I realized my right kneecap had completely dislocated.
Resort staff helped get me to the infirmary, where I faced a choice: a public hospital with a long wait, or a private one at higher cost. I chose the private hospital for faster care—but I didn’t have travel insurance covering international medical expenses.
After X-rays and treatment, including a knee brace, I was told to get further testing back in the U.S. I paid over $1,000 out of pocket before leaving, with more charges possibly still to come.
Not knowing the final cost was almost as stressful as the injury itself. Looking back, a relatively inexpensive travel insurance policy would have made everything so much easier.
I share this because accidents happen when you least expect them, and medical care abroad can be expensive and stressful. It’s not an experience I’d wish on anyone.
INSURANCE OPTIONS
While travel insurance is not required, we strongly recommend that all attendees purchase comprehensive travel insurance for our international retreats. Travel insurance can help provide protection for:
Medical emergencies and emergency medical evacuation
Trip cancellations and interruptions
Travel delays and missed connections
Lost or delayed baggage
Unexpected travel-related expenses
Travel insurance is the responsibility of each attendee, but the right coverage can provide valuable financial protection and peace of mind throughout your journey.
Disclosure: Travel insurance is optional and is not included with your retreat registration. We are not licensed insurance producers, agents, or brokers and do not provide insurance, legal, or financial advice. The information on this website is for general informational purposes only and is not a recommendation for any specific provider, policy, or coverage.
Travelers are responsible for evaluating their insurance needs and reviewing all policy terms, exclusions, limitations, and eligibility requirements before purchasing. Coverage varies by provider and policy.
We may receive compensation or an affiliate commission if you purchase travel insurance through links on this website. This does not affect the price you pay for coverage.
🏆 Best for Medical-Focused Coverage
Best For: Travelers Primarily concerned about International Medical Coverage
Good for:
- – International medical expenses
- – Emergency medical evacuation
- – Travelers looking for different coverage levels
- – Travelers who don’t necessarily need the most comprehensive cancellation package
Why consider Seven Corners? Seven Corners offers travel insurance plans designed to help protect travelers from unexpected medical expenses, emergency medical treatment and evacuation while traveling internationally. It can be a particularly appealing option for travelers who want to place a strong emphasis on medical protection during their trip.
Consider if: You want a travel insurance option with a strong focus on international medical coverage and emergency assistance.
🔎 InsureMyTrip: Best for comparing Plans
Best for: Comparing multiple insurance companies
Good for:
- – Comparing several policies
- – Looking at different coverage limits
- – Comparing prices
- – Travelers who don’t know which provider to choose
Our tip: Enter your actual trip cost and dates rather than simply choosing the cheapest policy. Pay particular attention to medical coverage, evacuation, cancellation, and exclusions.
Why consider InsureMyTrip? Instead of choosing a single insurance company, InsureMyTrip lets you compare travel insurance plans from multiple providers in one place. You can review coverage, limits, exclusions and pricing side by side, making it easier to find a policy that fits your trip and priorities.
Consider if: You’re not sure which travel insurance policy to choose and want to compare several options before purchasing.
Important: Comparing plans doesn’t mean every policy provides the same coverage. Pay close attention to coverage limits, exclusions, pre-existing condition provisions and optional upgrades before purchasing. Always review the policy documents for the specific plan you choose.
🌎 World Nomads: Best For Adventure Travel
Best for: Travelers combining a retreat with adventure activities (snorkeling, hiking, taking excursions, safaris, etc.)
Good for:
- – Snorkeling, diving & water activities
- – Hiking, trekking & outdoor excursions
- – Safaris and other adventure activities
- – Travelers planning activities beyond the retreat
Why consider World Nomads? World Nomads is particularly interesting for travelers who plan to combine their retreat with adventure activities. Depending on the plan and your eligibility, coverage can extend to a large range of sports and activities, along with benefits such as emergency medical coverage, evacuation, trip cancellation/interruption and baggage protection.
Consider if: You’re planning to participate in activities outside the retreat itself.
Important: Adventure activities are subject to plan-specific coverage, limits and exclusions. Check that the activities you plan to participate in are covered before purchasing.
| Seven Corners ↗ | InsureMyTrip ↗ | World Nomads ↗ | |
|---|---|---|---|
| Best for | Medical coverage | Comparing policies | Adventure travel |
| Medical coverage | ✓ | Depends on policy | ✓ |
| Emergency evacuation | ✓* | Depends on policy | ✓* |
| Trip cancellation | Plan dependent | Compare options | ✓* |
| Adventure activities | Plan dependent | Depends on policy | Strong option |
| Compare multiple providers | No | Yes | No |
| Best for retreat attendees | Medical-focused travelers | People wanting to compare | Active/adventure travelers |
*Coverage, limits, exclusions and eligibility vary by plan. Always review the policy certificate before purchasing.
When should you buy a Travel Insurance? In general, it’s best to purchase travel insurance soon after making your initial trip deposit or booking. Some benefits, particularly those related to pre-existing conditions or time-sensitive cancellation provisions, may depend on when the policy is purchased. Always check the specific policy requirements.