Travel insurance. There’s a reason people say you need it.

A few years ago, I went to Sri Lanka for a few months. It was great, nice beaches, nice food, great weather. What could possibly go wrong?

That’s why I didn’t buy travel insurance. Who gets sick or injured in paradise?

Me. Turns out. I get injured in paradise.

And this time it wasn’t even my own damn fault!

Somehow, in my first few weeks, I managed to avoid death or serious injury despite

  • Learning to surf during a particularly bad thunderstorm.
  • Refusing to wear a helmet or life jacket to jump off of a cliff into a fast moving river.
  • Driving a tuk-tuk at high speeds through busy streets.
  • Vomiting so powerfully that I lost consciousness and fell head first onto a concrete floor.

And running down some wet moss covered steps purposefully, and falling tail bone first into some hot springs via a very forceful concrete landing.

What finally got me? Catching the bus. If you’ve ever caught a bus in South Asia, you’ll know that it’s quite the experience. A lot of people. A lot of smells. That kind of thing.

So as I was being pushed off the bus by an elderly frail woman, I fell. And busted my ankle. Being the brave and uninsured young soul that I was, I tried to walk off the pain. For 2 weeks. But by the time my foot had swollen to around 5 times the size, I could take the pain no more.

I finally gave in and went to the hospital. I had a broken ankle! Excellent. Not only did I have to fund medical treatment, I also had to miss my flight home because apparently, it’s not good to fly long haul when you’ve just had a plaster cast fitted. So I had to pay for another flight back home, and fund a few more weeks of travel.

Consequently, I arrived home and had to head to a loan place near me to pay for a train ticket to my hometown. 

Full Coverage Car Insurance is a Thing in China?

Really? Well, I have to say I am shocked. I don’t know who thinks it’s a good idea to start up a company offering full coverage car insurance in China. It must be the least profitable business to go into in all of Asia. If there’s one thing China is good at, it’s dramatically writing off vehicles in collisions as though it could earn them an Olympic gold medal.

I would go so far as to say that China is the worst country for driving that I have ever been to! There are literally zero rules (that are actually enforced anyway). And I once saw a video of a man being hit by a car. On the sidewalk. And when he confronted the driver, they just said ‘You’re in China!’ As though he could surely expect nothing less than being mowed down in a pedestrian area over there.

They have ‘traffic police’ who mainly shout in the faces of pedestrians and let cars do whatever they want. And who also are sometimes comprised of almost ‘qualified’ drivers trying to earn their license sporting a reflective vest and a stupid hat.

Almost every day on my way back from work I witnessed a smashed up car in the middle of the road. All of the parts scattered across the street. And not a single person ever gave a shit. Not eve a little bit.

It was so common for cars to drive into everything, from other cars to cyclists to bus stops, that, when faced with the very obvious debris of a serious road traffic accident, people did nothing but swerve around it at an alarming speed.

I understand why the drivers get insured. I just don’t understand why companies bother offering any kind of insurance at all, let alone full coverage car insurance. Happy to be back in the U.S.A, first thing I did was find the cheapest full coverage car insurance I could find. I recommend this site if you’re looking for some cheap car insurance:

Amazing Pictures of Cuba

Important to note, I did not take these pictures. I found them. Will source when possible!

Cuba is going to be my next destination so I’m just getting hyped for it. Planning a trip in 2 months time, until then these pictures will have to be it!