Insurance

Cheapest insurance found so far... Cheapinsurance.co.nz For the duration of my trip - 227 nights at $415 dollars. This is the budget version and it covers the following benefits:

Benefit Individual Medical & Additional Expenses Sections 1 & 2B $500,000 Cancellation Section 2A $10,000 Travel Delay Sub-Limit Section 2C $500 $125 Internet Use And Telephone Calls Section 2D $250 Legal Costs Section 2E $1,000 Death By Injury Section 3 $10,000 Luggage & Personal Effects Individual Item Limit Section 4 $5,000 $500 Delayed Baggage Emergency Baggage Section 4 $300 Personal Liability Section 5 $500,000

Am most likely going for this coz it is the cheapest compare to ASB, AA Insurance, Southern Cross Insurance and so on... But am feeling a tad gung-ho here as my last big trip - 1 year across Asia, was taken without insurance.

However my mindset on insurance now is that if I didn't buy this, what would happen should I fall ill? As I would not want my family to cover my medical bills should I not be able to afford it.