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backpacker travel insurance

Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling. This valuable cover can protect you if you fall ill or have an accident, or if your belongings are lost or stolen while on your travels.

backpacker travel insurance

If you’re really strapped for cash, you can choose a policy that covers you for medical expenses and nothing more. You won’t be covered if someone steals your luggage or if you have to cancel orbitz travel insurance your trip, but you will be covered if you get sick or injured overseas. Medical costs can be astronomical, so medical cover is arguably the most important part of you cover anyway.

What Kind Of Insurance?

It’s a site that shows you options to travel all across Asia from short to long trips. I recommend checking it out to compare prices before booking. You will see the same souvenirs over and over again – No need to panic and buy everything at once.

You can get specific pieces of gear insured so you know exactly what will be covered. Platinum typically offers the best benefits and protection coverage. (One of my favorite platinum benefit details is the personal belongings protection coverage of £4000!) Silver, obviously, offers the least coverage. The main benefit for going with Alpha are the low costs and excellent medical coverage associated with their Long-Stay policy. So if you plan on doing high-risk activities whilst on your backpacking adventure, definitely consult theWorld Nomads list of adventure sportsand the associated coverage specific to each individual activity. World Nomads is easy to purchase, provides a range of coverage, and is easy to customize based on where you plan to go backpacking and the activities you plan to participate in.

However, don’t make the mistake of foregoing features in your backpacker travel insurance just to save a few dollars upfront (or appease your parents!). Spending a little more of your budget on travel insurance may end up saving you thousands of dollars in the long run. However, when you’re doing a backpacker travel insurance comparison, you should look at not just the price, but also what you’re going to be covered for. Whether you’re covered for backpacking trip cancellations depends on the reason, and if that reason is due to an event that is covered under the terms and conditions of your backpackers holiday insurance. Did you plan your backpacking holiday with the aim of being somewhere at a certain time for a wedding, birthday or sporting event?

Because of Andrew’s fastidiousness and his Scottish habit of trying to save a penny here and there, we have spent hours scouring price comparison websites for backpacker travel insurance policies in the past. And, once we find a few options, Andrew then can’t pick one until he’s looked at their wordings and phoned their customer service to confirm the meaning of Section 2. With so many different policies out there, it can sometimes get confusing trying to find the right one for your trip. Backpacker insurance is unique, providing cover for those travelling across multiple destinations from 1 to 24 months . This policy allows you to be flexible, unlike ‘Annual’ or Multi Trip policies, where the maximum trip duration is 31 days and each trip must start and end in the UK.

It only depends on the countries you will visit during your trip. You can read our detailed review of their policy here and with prices starting at $40 for 4 weeks, they certainly offer incredible value including COVID-19 coverage. Their claim process is online, straightforward and they have 24-hour emergency assistance should you need it. By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online. They offer different levels of policy to suit the type of cover you’re after while also allowing you to pay a premium to insure any high-values belongings.

Back Packer travel insurance with GetGoing covers over 80 sports and activities as standard. If you are planning an activity such as bungee jumping or scuba diving while you are away, remember to check your policy wording and ensure you have the correct cover. If your planned activity is not covered as standard, refer to our Activity Pack page, to find the correct pack for your backpacker trip. The very essence of a backpacking holiday is to save money. Some activities aren’t covered by some of our travel insurance policies, including snow activities such as skiing and snowboarding and more adventurous activities such as trekking to 6,000m and scuba diving to 30m.

1Cover offers long term travel insurancewhich can cover you for up to 12 months abroad. Then, if you want to extend your policy, you can purchase an Already Overseaspolicy and that can cover you for an additional 12 months. If you’re going round the world, you can buy Worldwide travel insurance. LIkewise, if you’re travelling to certain regions like Europeor Africa, you can select those regions for your policy if you’re not sure about the countries that you’re visiting. Winter sports cover doesn’t just add on the specific winter sports . It’s excluded from all sections of the policy, unless your policy schedule shows that you’ve bought winter sports cover.

Why Smart Travelers Love The Allianz Travelsmart App

Given the shit that thousands of backpackers and travellers get up to, that doesn’t actually seem like a lot to pay to pool our risks. And, if it saves your or your nearest and dearest having to stump up thousands when the worst happens, it will seem like the best money you’ve ever spent. An adventure is successful if you never have to use your insurance – that would usually mean you haven’t been robbed, run over, rescued or resuscitated…. And so, it’s understandable that the majority of us end up viewing it as a cost or a waste of money.

Unlike many normal travel insurers, they will cover you for diving and riding a motorbike, both very common activities for backpackers . ​​All good travel insurance policies should offer similar features, regardless of whether they’re specifically aimed at backpackers. Whether you’re a gap year student or an intrepid explorer, backpacker travel insurance is a worthy consideration. It gives you peace of mind that if something happens to you, your plans or your possessions, you’ll be looked after. While we’ve included a lot of adventure sports as standard on our Backpacker Insurance, things like skiing need extra levels of cover to make sure you’ve got the best protection. You will need to add this to your policy at an additional premium.

Reimbursement of the reasonable emergency medical, hospital or medical evacuation expenses incurred by you until you get back to Australia if you are diagnosed with COVID-19 in New Zealand. Covers travel insurance to florida 2 Adults and up to 10 dependant children who are under 21 years of age and not in full-time employment. A Family policy covers you, your spouse and dependant children or grandchildren.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office for the latest information. The availability of cover options depends on the level of cover you select.

To hit the road withoutbackpacker travel insurancecan prove to be a big mistake. Statistically speaking, if you travel enough then something will eventually go wrong – if you haven’t got travel insurance you can end up in a lot of financial trouble. If making a declaration all medical conditions must be declared, you can’t choose to only declare certain conditions.

It also comes in handy if someone steals your cash or credit card. A comprehensive worldwide travel policy for those who make more than one trip in a year. The Second two claims were for an accidental damage claim for a lens that broke when I fell while hiking. For that one they EVENTUALLY approved my claim and “sent” me a check that never arrived. I have been trying to get it re-issued and to get my $700 refund for a year and a half with no luck. I had to file three claims with world nomads… the first was for a simple doctors visit for a parasite infection.

Again, there are a couple of companies that will allow you to buy insurance even after you’ve left home and you’re already abroad. You can find more detail on our experience and solutions in this post. Yes yes, we know that makes us both sound like your parents, but it’s how we genuinely feel. There is an adage that those who can’t afford insurance, can’t afford to travel – and we wholeheartedly agree with it. Then you need to stay at home and save for a little bit longer amigo.

Just make sure you report the theft to the police and get a written report about the incident within 24 hours of its occurrence, as otherwise, your claim amount could be reduced or even rejected. But do remember, you won’t get anything in cases where you lose unattended baggage left in a public place or unmanned vehicles. In other words, if you’ve left your phone behind in a restaurant or forgotten to take your bag out of a taxi, your insurance won’t cover you. I have yet to make a claim but they’re nice, quick and easy to purchase even for short journeys and send reminders before and after. Travel , tried others many years ago, but found issues in the “small print” When we can travel again I suggest using 1Cover, includes pet cover.

Can I Buy Insurance For Travel To The Usa?

We are currently upgrading our travel insurance policies and cannot provide any new quotes at present. We’re sorry for any inconvenience but we will be back selling in the very near future. Download Post Office Travel app to buy or view your travel insurance policy. You can also buy and top-up our Travel Money Card wherever you are. Within the EU, you may think that an Ehic, or its replacement the Ghic, can cover all your medical needs.

However, with faces pointed towards the sun, the Balkans are making a comeback, and tourism here is officially on the rise. That said, you could still travel here any time of year and not have to deal with the hoards of tourists you’d encounter elsewhere. So no wonder it has recently become one of the most popular European countries for travel. Check out my list of the 24 Best Things to do in Croatia for inspiration, and use my mega Croatia 10 Day Itinerary to plan your trip. If you love incredible landscapes, world-class ocean views, and fair prices, then then Portugal is definitely one of the best places you’ll want to visit while backpacking in Europe.

If you’re road-tripping it up the east coast in a rental vehicle and get into an accident, the out-of-pocket expenses can be sky-high. The right travel insurance will help out with that excess. If you are backpacking within Australia, you’ll need a different type of policy depending on whether you are are an overseas visitor or an Australian resident. They’ll not typically be called “backpacker insurance” and they may not extend beyond 365 days, but they will work and you can always renew your policy if you plan on travelling beyond one year.

Of course, you will have to provide valid evidence regarding the reason that you missed the form of transport, e.g. a medical certificate or a police report. You should also be covered if your form of transport is delayed and you need to put yourself up in a hotel overnight. You don’t want to waste money on an overpriced policy, but at the same time, you don’t want to go with a cheap backpacker insurance that will let you down and won’t pay out if you make a claim.

Post Office crowned best travel insurance provider – ITIJ

Post Office crowned best travel insurance provider.

Posted: Tue, 06 Apr 2021 07:00:00 GMT [source]

We will not do so if you have already told us you do not want this information, see the ‘opt-out’ phone number email address below. We may also use your information for these purposes in the event that you do not take up a policy with us at this time and also after your policy has ended, unless you ask us not to. It is your responsibility to ensure that your Private Health Insurance policy covers you and all other travellers named on your Travel Insurance policy for a minimum of €55,000 of inpatient medical cover abroad. Please note – Some Health insurance policies allow you to select or deselect this cover. In order to avail of the discount you must make sure that your Health policy includes the cover.

For instance, you could be reimbursed if you’ve been forced to cancel your trip the day before departure because you’ve been hospitalised for severe dehydration after vomiting too much because of morning sickness. So if you’re planning your next international trip, spend a few minutes with us at Mozo as we help you compare more than 250 policies to pick out the ideal travel insurance plan based on your travel details. Keep in mind that if you can get your money back from the vendor – for instance, your airline or tour company – then your provider might not accept your claim.

Medical costs – Medical attention in New Zealand is not free although the UK and New Zealand do have a reciprocal healthcare agreement. Quite what your bill may be will depend on what kind of medical treatment you need. To illustrate quite how hefty the costs could be in serious situations let us tell you that amounts covered on insurance policies typically start around the £2 million mark for destinations outside of Europe. Be aware – Pre-existing medical conditions before travelling don’t automatically exclude you but you must be certain to discuss this with your insurance company or risk claims being null and void. Travel insurance is not just a compensation scheme for losses and inconveniences or something to pay medical bills – it is a shoulder to lean on in times of crisis. The best travel insurance policies are all about giving you the support of professionals – both practically and emotionally – when you most need it.

Every travel insurance policy is slightly different, but there are five general areas that travel insurance can cover for you. Before buying any backpackers travel insurance, make sure you read the policy documents carefully to make sure it covers everything you might need, and check any exclusions that might apply. When embarking on a long-term backpacking trip, one of the most essential items to purchase is travel insurance. The insurance market is swamped with different products and with a lot of them aimed at different types of travellers, it can be overwhelming to understand which policy to buy. If you’re planning on going on several small backpacking trips within 12 months, buying our Frequent Traveller Saver backpackers travel insurance policy can be a cost effective way to cover yourself. Your usual support network can be a long, long flight away, and most likely in a different time zone!

If something any of the 10 points below is missing from your policy, then consider looking for a different provider. Picking a good backpacker insurance policy can be pretty confusing. With the huge range of travel insurances for backpackers available, it can be even more difficult to know what kind of cover you should go for and why.

However, not all policies cover all activities and sometimes extra is charged if you intend to ski or scuba dive for example. Be sure of what activities are and are not covered by what you are looking to buy. American Express has a good health insurance plan that offers full coverage for emergency medical treatments with low deductibles for just $10/month . Policy start date– Most people take out a policy and have it start on the day that they leave. Your policy hasn’t technically started yet so you may not be covered.

Bought by Many groups together people with similar insurance needs, such as travel insurance for backpackers. That grouping gathers together the individuals’ buying power and gives us an ability to negotiate discounts from Insurers that members could not otherwise get, on policies that cover their specific need. The best insurance for backpackers is the one that suits your needs. One of the main reasons we stripped back our backpacker cover levels is to be able to offer you the best price, on a robust backpackers insurance policy. Taking out backpacking travel insurance for just a few pounds before you travel, could save you hundreds of pounds in the event of a claim.

If you’re the adventurous type, you definitely need travel insurancebattleface has two different plans, including the basic Travel Medical Insurance, which covers the usual things like emergency medical and evacuation. World Nomads is also one of the most affordable backpacker insurance options. For the price, you’ll receive comprehensive coverage for most activities and emergencies that you’ll encounter on your trip. The Standard Plan includes $100,000 in emergency medical coverage, $300,000 in medical evacuation and repatriation, and $1,000 for stolen or lost baggage. Well, your health and safety is also something to consider. That’s why we believe travel insurance is the single most important thing to bring on your trip.

This protects you up to £5,000 per person insured if your scheduled airline goes into insolvency enabling you to recover the original amount paid for your flights if this happens prior to travelling. If you have already travelled, we will reimburse you for the cost of replacement flights to get you home. We cover all parts of Europe, including the Canary Islands, Russia, Greece and Turkey. You’re free to explore the island’s revolutionary history and its modern, vibrant Caribbean culture with complete peace of mind.

Online price based on an individual under 66 years holding Private Health Insurance with medical cover abroad on a European Premier policy. Any medical condition for which a close relative or a travelling companion are aware of but for which they have not had a diagnosis. Any medical condition for which a close relative or travelling companion have received a terminal prognosis.

On another backpacking adventure, he backpacked at the Grand Canyon. My son has been on several backpacking trips with his Boy Scout troop. You can also think of backpacking as in, “I’m going backpacking this weekend” to mean someone who will be hiking while carrying their belongings and food for a camping trip. These are two completely travel insurance single trip different types of traveling, but they both like to call themselves backpackers. And there are those who backpack with roller-bag suitcases, sleep in hotels and rent a car to get around a country. So if you have started your trip, or it’s past the cooling off period, then chances are you won’t be able to get a refund on your policy.

However, trekking will include peaks such as Mera Peak and Island Peak in Nepal, as these are treks and no mountaineering skills are required for these summits. Volunteering means your participation in community or wildlife based conservation/project work when arranged by a professional organisation. Note you must have the correct licence in your Country of Residence to drive a motorcycle or cover is not available. If you are from the UK, you are only covered if you have either a full Motorcycle Licence, or in the absence of that you have taken a Compulsory basic training course in the past two years.

When you get your quote it will show the total price for all the travellers entered when obtaining the quote. You then need to select the level of cover that you want; enter your contact details and those to be insured. As soon as your credit card payment has been processed online, you will receive an email with your certificate. Our emergency service hotline is available 24 hours a day, 365 days a year for assistance with medical emergencies. The team at Travel Insuranz has not only arranged travel insurance for over 2 million travellers but has paid out more than $30 million in claims.

Just remember to check what their definition of what “close” relative means. Now my treatment wasn’t extortionate but imagine if it had been worse? Could your family afford to pay for a private air ambulance and a nurse to accompany you to fly you home. If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover. Please call this number if you’re unsure where to get treatment, you think costs may go over £500, or you think you’ll need to cut your trip short.

Travel author/industry adviser shares insights on Kingdom’s reopening – Khmer Times

Travel author/industry adviser shares insights on Kingdom’s reopening.

Posted: Sun, 03 Oct 2021 18:11:34 GMT [source]

Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn’t a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you’re unsure about anything, seek professional advice before you apply for any product or commit to any plan. If you’re travelling the world on a budget, then you’re probably going to end up taking more risks. Whether it’s using cheap and potentially unreliable transport or staying in hostels with poor security, travel insurance for backpackers is as important to your trip as the backpack itself.

Know if you need to apply online beforehand or if you can get it at the border, or if you need proof of a flight of onward travel (most don’t care but the Philippines is very strict about this). Don’t worry – we won’t leave you high and dry without cover. If you are a resident of the UK and EU, we can provide you with the protection you need, swiftly and affordably. Allianz Assistance have significant expertise in Travel Insurance & Assistance. They provide a wide range of flexible travel insurance products with optional covers.

backpacker travel insurance

They have different travel requirements and need a travel insurance company that understands their specific lifestyle. That’s why it’s crucial to always protect yourself with travel insurance. For just a few dollars a day, you can arm yourself with the tools needed to make your backpacking trip a safe and memorable one. You can easily compare travel insurance policies from hundreds of providers at this nifty site. It’s important that all pre-existing conditions are declared on your policy. This will avoid large medical bills if you need treatment in another country.

There are a variety of travel insurance providers available that may cover you in the event that your holiday is disrupted by volcanic ash – however, there are a number of factors to consider. For example, if there were travel warnings about volcanic ash prior to your trip being arranged, you may not be covered. Ultimately, you’ll need to speak with your provider to determine how you’re covered in the event of a volcano or another natural disaster.

Very first of all, it ought to have the Emergency Healthcare Cover. This addresses the price of any event that requirements urgent medical related interest. They may possibly need to have this along the way mainly because no a person appreciates what might occur though they are traveling.

​​Backpacker insurance is designed to cover you on longer trips abroad. It’s ideal if you’re planning to go away for several months at a time. Emergency medical cover only applies when travelling outside the United Kingdom.

They offer specialised insurance for gadgets such as laptops and cameras as well as for adventurous activities such as skydiving and scuba-diving. Their insurance packages are specifically tailored to accommodate the budgets of long term travellers, working holiday makers and global nomads. The policy you choose will depend on the activities you plan to undertake while travelling. Insure4less’ essentials policy is the travel insurance product you could be looking for. Aimed at Aussies travelling overseas, the Insure4less essentials travel insurance policy offers discounted online prices and a wide range of protection to cover just about every kind of backpacker.

If you add this benefit, you’ll be able to file claims for reasons outside what was listed by your backpacker insurance provider. You’ll need to fill out your information and any relevant information about the incident. Then, you’ll attach your supporting documentation and bills to the claim. After you submit your information, your backpacker travel insurance company will review your claim to see if you’re eligible for reimbursement. Even if you’re hoping to keep your trip low-cost, you should still invest in travel insurance. Fortunately, there are several backpacker insurance companies that offer comprehensive insurance that won’t break the bank.

– No, unfortunately the weather is not always perfect and sunny and warm in Southeast Asia. You’ll also want to avoid monsoon season, especially if visiting an island. It varies from country to country, but traveling in offseason can be cheaper. For an informal chat about your condition you can call us on the number at the top of this page. And if you want to get a quote, it only takes a few minutes.

If so, make full use of the Post Office Travel Insurance’s multi-trip cover. Taylor Herperger is a traveler and freelance writer with passions in environmentalism, adventure travel, and music. A lover of Guinness and window seats, Taylor got her first taste of international travel in 2007 and has been exploring the world slow and steady ever since. If you’re a little hesitant to backpack Europe completely on your own, then keep in mind that there are plenty of short tours you can take intermittently throughout your trip.

Whether you are a student in your gap year or an adventure traveller spending an extended period travelling around the world or living abroad for a few months, backpackers travel insurance is essential. It provides peace of mind that if something happens to you, like an accident, illness, loss of baggage, theft, cancellation, travel delays etc, you will be protected. is part of the Blue Insurance Group, an Irish award-winning insurance provider.

The material contained on this website is only general information and is not intended to be an exhaustive list of insurers and insurance products available in Australia. The information provided by the Insurance Council of Australia does not constitute advice of any kind, nor is it an endorsement of any insurer or insurance product. An insurer listed on this site may not provide a particular product in all areas in Australia. Some insurers may also only provide certain products via an insurance broker. Please contact an insurer or broker to check these details.

If for some reason you are unhappy with a plan you have purchased, you may be able to get a refund. For a little over £1.16 a day you can have decent travel insurance. For what you get in return, World First is an excellent coverage option and certainly one of the best travel insurance providers for budget backpackers. World Nomads can cover over 140 countries including most major holiday and backpacker destinations, hence why we’d consider World Nomads as one of the best value travel insurances. They can offer different products to cater for various types of trip and most common issues are covered. Compared to some private medical insurance policies, which can cost hundreds of dollars, SafetyWing is next to nothing!

Backpacker travel insurance will cover you for a longer trip duration. If you are planning a trip that will last longer than 183 days you will need to buy our backpacker insurance. If you travel abroad within the permitted guidelines you can still get a travel Insurance quote from us. Find out more about our cover on our travel insurance FAQs page. This policy offers you the chance to work part of the time you are away from home or for the duration of the months you have decided to travel. The main benefit is this type of policy can provide cover for you to travel to more than one Country or Region, without having to check with your insurer if the cover applies.

Online price quoted is based on 3 days European Cover for 1 Adult under 69yrs holding Private Health Insurance with medical cover abroad. The ability to customize your policy, with slight tweaks, of course, can be a huge advantage. However, policies are usually more strict in these terms, so you may be better off just opting for policies that allow you to narrow down and selectively opt for countries that you wish are covered by your policy. Some only offer an overseas phone number which can be challenging overseas, so it is best to look for a policy that allows for extensions online.

Revolut current accounts are currently available to citizens of any country from the European Economic Area as well as; Australia, Canada, Singapore, Switzerland, and the United States. At the moment Monzo is not offering their Plus Account to anyone so this is no longer an option.See this article for more information about the best travel cards. Mozo publishes travel insurance reviews by real customers to give you the low down on things like claims process, value for money and customer service. Hearing about the personal experiences of people who have used a particular travel insurance provider can help you feel more comfortable about taking out the policy, or in some cases, steering clear of any lemons!

The chances are you will have booked you backpacking trip quite a while in advance of actually going. Whether you’re currently undertaking a gap year or you are looking to make the most of your retirement, there is a certain appeal to backpacking, making it the attractive choice of travel for people of all ages. If you feel that life should be about more than waking up and making CEOs even richer, you’re among friends. Get everything you need here to begin an unconventional life of backpacking travel around the world. Evidence of travel and accommodation costs incurred in obtaining the emergency passport. For other pre-paid trip costs we will require proof of purchase, and where appropriate, confirmation of any refunds given.

Since we travel with a bit of gear and planned to do some activities like skydiving, motorbiking, diving and such, a travel insurance simply makes sense. This is the insurance policy that the fees will be compensated by the insurance coverage supplier. Given that rescue comes with the bundle, this incorporates helicopter rescue as properly. Instead of hoping your trip will run smoothly, without a hitch, allow us to provide peace of mind so you can focus on simply enjoying your time there. The medical declaration will tell us if we need to screen any of your party for medical conditions and will only take a few minutes. Naturally this means that you only have to declare conditions for those that have them and will only be charged extra premiums for those with conditions to declare.

This insurance is only available for people aged 70 or under at the time of buying the policy. Insurance serves to provide cover for sudden and unforeseen risks. Take out a single trip family plan and all your accompanying dependents are covered for free. This leaves you with more cash to spend on your holiday and gives you the peace of mind that each child is covered up to the same amount as an adult. Whether travelling as a family, a school excursion or simply a group of friends, choose from a range of affordable travel insurance products for you and your travelling companions. Rest easy knowing your overseas medical costs will be taken care of.

All TIC policies carry the support of worldwide 24-hour emergency assistance. Alpha Travel Insurance has been specifically designed to be simple and straightforward – unusual for an insurance company we appreciate, but let’s face it, life is complicated enough. From our simple to follow website, through to our policy wordings, we have gone to great lengths so that everything is clear and easy to understand.

So, here in our dusty little corner of the internet, we wanted to remind you that 1) yes, you do need travel insurance if you want to travel and 2) there are some important things to know about what exactly it’s for. These extras differ from one insurer to another, so always check exactly what’s included with each policy and what you have to pay extra for. You’ll also be able to visit multiple different countries without taking out a separate policy for each one, perfect if you’re exploring several destinations in one trip.

Most policies will cover the cost of replacing any lost or stolen baggage. But check that the cover limit is enough to replace everything you’re taking with you. When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions.

Our commitment is to offer our UK customers comprehensive travel insurance cover, at very competitive prices, with great customer service. If you’re planning a holiday, and you’re considering buying travel insurance, it may be worthwhile purchasing cover sooner rather than later. While you only pay for the period in which you’re travelling, you’re covered from the moment you buy your policy. It’s also important to note that some providers don’t allow you to purchase insurance once you’ve already left Australia.

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This section of cover begins from the second you pay your premium when buying a Single Trip policy, and from the start date you choose when purchasing a Multi Trip policy. The section will cover cancellation for a number of reasons, but it is important that you read your policy wording for full details. Backpacker insurance policies may have certain exclusions. It is important to read the small print carefully before you buy.

The Backpacker policy provides cover for cancellation, curtailment, emergency medical attention, repatriation, personal possessions and activities. So, if you want to explore the world without restriction then this is the perfect policy for you. A good backpacker travel insurance policy is designed to be flexible and offer you the ability to extend your cover for a longer period with ease and convenience. The ability to stay somewhere for an extra week or perhaps a few months while you are travelling is one of the the true joys of worldwide travel. Unfortunately, travel insurance companies make big money by limiting your ability to extend coverage – forcing you to pay another 6 or 12 months or worse “risk it”. Backpacker travel insurance is designed for under 51 years old travellers and holidaymakers, who backpack around the world.

InsureandGo do not automatically include cover for any pre-existing medical conditions. But all conditions can be considered via a medical questionnaire that you can either complete online or through the call centre. When purchasing travel insurance with InsureandGo, you will have the option to choose between three different levels of cover; Bare Essentials, Silver, and Gold. We will also cover the cost of your return to Australia earlier than planned if this is medically necessary, and we consider all pre-existing medical conditions. For example, having a $200 excess reduces your premium, but if you make a claim, $200 would be deducted from any claim payment.

Children between the ages of 3 and 15 insured on an annual policy are only covered if they travel with a Getcover insured adult. For the purposes of this insurance, “Europe” covers all of Europe including the Republic of Ireland; The United Kingdom; The Channel Islands; Northern Ireland; Egypt; The Canary Islands; Morocco and Tunisia. However, it does not cover Algeria; Israel; Libya or Lebanon. Hiring a car on your holiday can be a fantastic way of exploring the local area. With our Car Hire Excess Insurance policy, you’re protected against the risk of a costly excess if the unexpected happens.

This means that you could boost your spending money by working in a bar or restaurant, or working out in the sun as a fruit picker. The cover doesn’t include personal liability in the workplace, so it is worth checking the employer’s public liability cover. Shopping reviews for the best travel insurance is nobody’s idea of a good time. That said, it does pay to research prices and policies and find the right company that will cover all of your needs whilst not breaking the bank. If you make a claim with a travel insurance company and they uncover your medical history , they will most-likely declare your insurance void and you will be stuck with the bill. Going with an Insure My Equipmentpolicy works well in combination with another cheap travel insurance that covers medical expenses.

  • Today, we have so many options that make traveling Europe on a budget a breeze.
  • We assist thousands of Australians each month choose a banking, energy or insurance provider.
  • Some people travel without insurance because they like to take risks or, more likely, haven’t thought about the consequences – as should be clear by now, that simply isn’t us.

You might have to pay extra to have it included in your policy but this is better than trying to hide it and a payout being refused later. The decision to get travel insurance shouldn’t be an afterthought. Once you have your flight booked, you have a date set and can book a policy. There’s the mindset that travel insurance is money you are just giving away. It just seemed like an added expense when I bought mine but when I had my surfing accident I was sure glad I had travel insurance! Just to give you an idea, the ambulance call out was $341 plus you pay per kilometre the ambulance has travelled, not to mention the CT scan I had and the $90 a pop physiotherapy sessions that I had for weeks after.

You might look for backpacker travel insurance that is paid in installments, or that can be updated and changed midway through your trip. TravelGuard is an excellent backpacker insurance company if you want to tailor your coverage to fit your travel needs. Compared to other backpacker policies, Travel Guard prices may be a little bit higher. However, the biggest benefit to their plans is the ability to built out the right insurance policy for your trip.

Benefits include up to £15m for emergency medical expenses and over 150 sports and activities are included automatically. All 3 levels of our Backpackers & Longstay travel insurance policies for trips up to 18 months includes cover for Medical Emergencies and our Superior Policy will even cover gadgets such as smart phones and lap tops. Travelers insurance will ensure that you are adequately covered in the event of any emergency. You can’t just get regular travelers insurance because you may find some activities related to backpacking simply are not covered by your insurance plan.

As of August 1st, Safetywing now covers Coronavirus Disease (COVID-19)! Coverage works the same as any other illness as long as it was not contracted before your coverage start date, and does not fall under any other policy exclusion or limitation. We at Hostelgeeks are traveling full time and we had a look at a few companies out there. This signifies that the insurance plan supplier is legally accountable to cover any damage, accident, or harm that may possibly be inflicted on the traveler. Columbus Direct has won multiple awards for our products and customer service.

There are many different online companies with an abundance of food and other products geared specifically towards hikers. They view backpacking and travel more for seeing amazing new cultures and as a personal growth than as a party, or simply a short get away from the real world. All you do is to go into their office, tell them where you want to go, how long you’d like to stay in each place, and they’ll book all the flights you need for a trip round the whole world if that’s what you want. Some people actually buy all their tickets to each country before they’ve even left, through one of these companies. So the view of a Flashpacker now is more of someone who has all the latest stuff, doesn’t have to save up for a trip, spends his money on drinking, partying and staying in nicer places.

Be aware – Compensation in part or full won’t be paid for events happening weeks before if your insurance policy starts on the day you were due to fly. To cover yourself for this eventuality you will have to start your policy as soon as you pay for flights etc. Emergency assistance can provide immediate help 24 hours a day if you are sick or injured while on your trip. This help is available 365 days a year and gives you the peace of mind of knowing that your back is covered no matter what happens during your adventures. Pre-existing medical conditions– Usually these will not be covered. Play it safe and disclose any pre-existing medical conditions that you may have.

If you’re taking an extended backpacking through Europe trip, then making a little dough on the road can’t hurt. Consisting of countries such as Romania, Bulgaria, Russia, Belarus, Ukraine, Moldova, and Turkey, backpacking Eastern Europe is going to be a very different experience than your standard Western Europe trip. That said, not every country in Europe is created equal, and which ones you choose to visit will depend on your travel style, interests, and budget.

Go to sleep in one part of Europe, and wake up in another to explore! You can purchase Interrail passes that allow you to hop on and off the train as you please using different routes through Europe. Because there are several ways to travel through Europe, there are so many different trips to be had if you decide to backpack through multiple countries. No matter the time of year, you can travel around Europe and experience the trip of a lifetime. From exploring Italy’s vineyards in the summer or driving through Germany’s Black Forest in the winter, there is so much to do when you travel in Europe. A backpacking trip can be the holiday of a lifetime, moving from one location to another over an extended period of time.

There is a 3 days waiting period from the time you buy the policy until your cover starts. Basically, you cannot buy your world nomad insurance today and make a claim 10 minutes after. Tailored travel insurance for people living with pre-existing medical conditions.

Our Cruise travel insurance ensures that you are covered for your cruise, whether you’re exploring the amazing fjords of Norway or adventuring around the Caribbean. Our policies cover you whilst you’re on board the ship, when enjoying activities and if you venture ashore during the course of your cruise. Spending a long period away from home requires a different type of travel insurance to short stay holiday insurance. You may be visiting several countries backpacking, or you may be staying in one area to live and work for a fixed period before returning home.

With Post Office Travel Insurance you will be protected from Coronavirus medical expenses whilst abroad. Protect your future travel plans and travel with confidence from a brand that you can trust. This cover could save you time and money if you know you will need cover for more than one trip this year. The Post Office Travel Insurance also does all it can to save you money on your trip.

If you’re involved in an activity that is illegal, the insurance company will not cover you. You can extend your policy indefinitely or claim online while you are still away. You can even buy a World Nomads policy if you’re already travelling. provides cover for what’s important for travellers from over 150 countries. By focussing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.

The weather is largely changeable in Europe, and each destination could be different from the last. We would recommend doing in-depth research into the locations you plan on visiting, and planning your route around this. The weather cannot be guaranteed, but it’ll be a great trip no matter rain or shine. Air BnB offers a wide range of accommodation types at a wide range of prices. It is well worth looking to see if there are any affordable Air BnBs in the areas that you visit, you might find yourself surprised with the quality and low price of some of them. Living in the UK has many perks, but being so close to many beautiful European countries is definitely one of the biggest.

We can cover Australian, New Zealand, South African, Canadian and American residents from the age of 20 to 70 and UK Nationals from the age of 25 to 70. WORKgateways is unable to provide individual assistance on work visas. Temporary migrants like those on a work visa or students who have a student visa are covered by the NHS for doctors visits and emergency healthcare. See below – How to purchase the right insurance at the right price. Side trips to Europeandbasics like emergency dentalare alsonot coveredby the NHS. These regulations cover backpackers working temporarily in the UK on a Tier 5 Visa, Ancestry Visas and International Students coming to the UK.

backpacker travel insurance

If you have no idea where to start then check out my travel insurance guide to help you pick the best option for you. Be it stopping off to visit your children who have moved to Australia, through to travelling the world, from 1 month to 12 months, we can cover you. We have specialised in this type of insurance for over 30 years and have a wealth of experience in providing travel Insurance for longer trips. When purchasing travel insurance from MPI you will also have the benefit of your own web based ‘Insurance account’ with us. You will be able to access this at any time to manage your insurances, view the policy documentation and access other services provided. You can purchase your travel insurance online, or give us a call and we’ll be delighted to arrange your cover.

backpacker travel insurance

But like most insurers, we’re not able to cover you for the impact of COVID-19, in particular if governments introduce new restrictions on travel, which can still happen at any time unfortunately. Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers.

If your injury or illness becomes too severe, then medical repatriation will cover the expenses to fly you back home. That way, you can receive medical care in your home country. Let’s say you lose your smartphone or break your camera lens during your trip. With travel insurance, you might get reimbursed for some of the associated costs. And with some policies, you might even be covered if an airline loses your bag during your flight.

As well as the Baggage and Cancellation limits above, you’ll find limits within a policy for specific items. For example, insurers may place a limit on the amount they will pay out for cash that is stolen (typically £100 or £200). Or they may place ‘single item’ limits for your valuables of maybe £100 or £200, meaning that you cannot claim more than that amount for any one item such as your camera or phone. Insurers restrict the amount you can claim for baggage and cancellation by specifying a limit for each. For example, £750 would be a typical cancellation limit for a cheaper policy such as TopDog Travel Insurance Economy.

The Australian government also recommends that you closely read the Product Disclosure Statement of your policy to better understand your coverage. Hiring a car while on holidays can provide a great sense of freedom. However if the car is damaged, involved in an accident or stolen you could be liable to cover the cost of the rental car excess. While car rental companies typically offer an excess reduction product, a range of travel insurance providers will offer this feature as part of their offer, and is often cheaper. We’ve all heard the horror stories of travellers coming home from a holiday, only to find they’ve racked up a massive medical bill that they can’t pay off. Thankfully, most travel insurance policies provide generous medical care, with many of them actually offering unlimited cover.

What’s more, we even include 23 days of free snow sports cover. Backpackers tend to do more high-risk activities than others when they travel, from bungee jumps to hiking. You might be young, fit and healthy but accidents can happen so having emergency medical cover is a must. Repatriation cover is usually also included and this can get you to a hospital quickly without a hefty bill to accompany it.

All pre-existing medical conditions are considered for all three levels of cover. A travel insurance policy is an essential tool designed to help protect you from financial losses that can be incurred from a wide range of factors. These factors include the need to cancel a trip, needing overseas medical treatment, or replacing lost or stolen luggage and personal belongings.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered. Yes, the age limit varies between 79 years and 85 years for policies bought direct with Admiral. Yes, the age limit varies between 75 years and 79 years for policies bought direct with Admiral. You can be insured almost anywhere worldwide and for a range of fun activities such as scuba diving, windsurfing, canoeing and more. Admiral provides you with 24-hour emergency support so you’ll be able to reach someone at any time if the worst were to happen. Without these upgrades, your trip won’t be covered at all.

While it might seem superfluous to spend money on a policy that is best left unrecouped, it is better to spring for the insurance anyway. You don’t want to be caught unprepared when not in your nation’s borders. What is good to know is that traveler’s insurance covers a wide variety of concerns. If your smartphone gets stolen while on the trip, we provide you a temporary smartphone . You can place a request at our 24-7 helpline number and the smartphone will be delivered at your doorstep. You can choose to pay the membership fee via online bank account transfer, UPI, mobile wallets, and credit/debit cards.

Diabetes , Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for Cardiovascular Disease. If you have a history of Cardiovascular Disease and it’s a pre-existing medical condition, then you must declare these conditions online. However, should you suffer a serious injury in an accident in this 48-hour period, which is verifiable by an Independent Witness, then you will be covered from the date cover commenced. has much info about discounts of different brand which are all valid. Register now to receive the news about Backpacker Travel Insurance membership discount. Sign up for Backpacker Travel Insurance newsletter which contains information about latest offers and deals, and you will never miss a coupon again.

Trip cancellation and trip interruption are also reimbursed between 100%-150% . Choose between a variety of plans such as annual trip coverage, cruise protection, medical coverage, or even business travel. This plan is ideal for last-minute trips that don’t require trip cancellation coverage.

Some travellers prefer to hire a car on holiday for the additional freedom. Nobody wants to be involved in an emergency while on holiday, but travel doesn’t always go to plan. Not only that, but with our new online claims platform, lodging a claim has never been easier. If you need to file a claim, we offer chat and email support along the way to help you, all from the comfort of your home.

My third claim was for emergency dental for teeth broken in the same fall. They did not respond to my claim, or my request for emergency assistance. They delayed for more than two weeks until after my claim expired. Avoid buying from this company “World Nomads” for your future travels they are not honoring our claims with many hidden exclusion clause. E.g. pandemic or epidemic will not be covered during your travels.

In fact, some options cover extras like sports and ski safety. You can rest assured that all medical expenses will be covered. Doctor fees, emergency medical transportation, hospital fees, even dental are all covered by backpacking travel insurance. Please refer to the General Exclusions section of our policy wording for further information on cover for COVID. If you like to get active while overseas, medical travel insurance is more important than ever.

Our Backpacker Travel Insurance is suitable for those that are aged 35 and under and plan on travelling a country, or bigger world adventure in one trip. For full details of the terms and conditions that apply, refer to the policy document. If an emergency arises, especially when you are in an unfamiliar country, the financial assistance and protection that travel insurance provides is incomparable.

Date: October 12, 2021

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