If you’re planning your next big adventure, don’t forget travel insurance! Whether you're backpacking through Southeast Asia, road-tripping in South America, or island-hopping in Polynesia, having the right coverage can save you from unexpected costs and major stress.
The Best Travel insurance I found is Chapka, this is the one I've been using since 2018.
Disclosure: This article contains affiliate links. This means that if you make a purchase through these links, I may receive a small commission at no extra cost to you. I only recommend products and services that I use or fully trust.
Why You Need Travel Insurance: Real-Life Risks
No one expects to get sick or injured on the road, but it happens more often than you think. In just six months of traveling through Southeast Asia, my travel insurance covered €3,500 in medical expenses... more than half my budget! That’s money I would have had to pay out-of-pocket if I wasn’t insured.
Here are some common travel risks:
🦟 Dengue fever & malaria – Mosquito bites can lead to costly treatments.
🌊 Jellyfish stings – Some stings can be life-threatening (Box Jellyfish).
🍜 Food poisoning – Eating street food can come with risks.
🐕 Rabies exposure – A single bite from a stray animal requires immediate medical attention.
🔥 Heat stroke & dehydration – Exploring in hot climates can be dangerous.
🛵 Scooter accidents – Traffic conditions vary, and injuries can be severe.
🫁 Pneumonia & respiratory infections – Air-conditioned transport spreads illnesses.
What Travel Insurance Covers: More Than Just Medical Bills
Good travel insurance protects more than just your health. It also covers:
✅ Lost or stolen belongings – Get compensated for missing valuables.
✅ Trip cancellations & delays – Protect your non-refundable bookings.
✅ Emergency evacuations – Be transported to the best medical facilities.
✅ Adventure sports coverage – Ensure activities like surfing and diving are included.
Best Travel Insurance for Travellers & Digital Nomads
I use Cap Adventure by Chapka Direct, and I highly recommend it for travellers and nomads. It covers medical expenses, repatriation, lost luggage, and adventure sports, making it a perfect fit for long-term trips.
💡 Exclusive Discount: you get 5% off following this LINK (only for European residents ; valid for the Cap Assistance 24/7, Cap Cancellation, and Cap Student plans)
I hope you never need to use your travel insurance, but if you do, you'll be grateful you have it. Travel is unpredictable, and the best way to enjoy it fully is by being prepared.
📌 Before you take off, make sure you're covered! The best adventures come with peace of mind.
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