Ill be heading to Southeast Asia, Australia, and New Zealand for 4 months in November and travel insurance is required for some of the volunteer projects Ill be working on. Ive been reading endless reviews for Allianz and World Nomads, but things dont sound too great for these companies. Ive been seeing a ton of complaints about how they rip people off, dont follow through with claims, and just arent worth it. Maybe thats disgruntled naysayers, but in the event those reviews are accurate, they cant possibly be my only options. I havent found much in the way of reliable information for other companies, so Im wondering what yall have used in the past and present? Positive news about Allianz or World Nomads is also welcome. I just want to make sure Ill be covered in the event of an accident or emergency.