There are a huge number of travel insurance companies out there. However very few specialise in providing travel insurance for backpacking trips or covering digital nomads, both of whom will be away for much longer periods than your average person on a holiday or city break. If you’d prefer not to stay in a foreign hospital for treatment and recovery, you should look into a medical transport membership program like Medjet. They ensure that, should you be hospitalized abroad, you’ll be able to be repatriated — something many travel insurance policies can’t guarantee.
You can choose to include cover for things like Gadgets & Valuables and Cancellation, on our great value policies. 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.
SafetyWing uses a subscription-based payment system, wherein travelers pay for insurance on a monthly basis, as opposed to all at once in the beginning. This method of payment can be easier on a backpacker’s wallet, especially when you consider that rates can be as low $37/month. No one is immune from unfortunate accidents when traveling the world… hell, in life itself. From flight cancellations, stolen electronics, and family emergencies to hiking accidents, sudden severe illness, and civil unrest— life happens.
While this initally might seem like an enormous amount, and maybe even unnecessary for you, the cost health care abroad is wildly more expensive than it is at home in the UK. Without the NHS, you can be looking at huge medical bills for an ambulance and emergency medical consultation abroad. If you’re aged over 35, then unfortunately we won’t be able to provide you with Backpacker cover. But, depending on the type of holiday you’re taking, we may still be able to cover you under our Single Trip and Annual travel insurance policies, where the age limit is 75 or under .
All ended well and I was able to travel home healthy though tired. For example, a worldwide policy which covers one resident from the UK aged 33 (still flirting with 30!) comes in at £462 for the Standard Plan and £571 for the Explorer Plan. Personal Liability – legal expenses and liability for damage that you incurred by accident or claims made against you. This is why you need to pack Basic Medical Supplies to treat cuts and dampen any pain you might experience.
We hope to inspire other independent travelers and provide them the resources to do so. Every one of these best travel tripods listed here offers different functions and features to help you excel at your photography. We’ve personally tried all these brands and nothing comes close to Peak Designs in regards to weight and functionality.
We know that the aim of a backpacking holiday is to spend as little as you can so you can travel longer. An accidental death benefit can be paid to your estate if you were injured during your trip and die within 12 months of the injury. The benefit can also be paid out if you’re travelling on transport like a plane which disappears, sinks or crashes and your body isn’t found within 12 months. Pickpockets target travellers all around the world – even backpackers.
Or, if you don’t have an account, register here to verify you’re a student. When getting a quote for Post Office Travel Insurance please enter in your discount code into the promotion code box that appears when getting your quote. When you do, the discount will be taken off your quote total. Take photos of any expensive gear – make sure to also include the serial number; and store it in your cloud or Google Drive.
But the spontaneity and complexity of travelling means it’s important you have the right insurance – both to save you money and to make sure you’re covered for every eventuality. Our friendly Call Centre is open 7 days a week for your convenience. Call our team of customer service legends and they’ll happily tailor a policy to suit your needs.
This includes armed conflicts, like Syria,natural disaster zones, like Haiti after the earthquake, and radioactive areas, like Fukushima. Keeping receipts of all the valuables you take traveling is a really good idea – the insurance company will want to see that you actually bought the items in the first place before they pay out. If you need to make a claim, get all your documents in order early on. In general, getting a police report tends to vastly speed up receiving payment from an insurance company. Travel insurance is something you should strongly consider when you’re on the road, especially if you are a budget backpacker. If you are traveling the world on the cheap, then you will probably end up taking some risks, such as using dodgy public transport or staying in cheap rooms that don’t lock properly.
Almost a year later I still have problems with it and am awaiting surgery. Luckily we had full insurance coverage with our hire car but what we found out is that my particular travel insurance doesn’t cover anything once you are home which is unfortunate. A group of local surfers carried me off the beach on a surf board and an hour and a half of bumpy roads and excruciating pain later, I found myself in a public hospital in a town of Nicoya. I got cast and a bleak prognosis of 3-6 months recovery, but 10 days miserable days and sleepless nights later, I opted for a surgical intervention.
On the other hand, WorldNomads’ total coverage is by event. So, if you have a coverage of US$ 1,000,000 you can use up to this amount on a single event and then this amount will reset again for your next event. To be honest, I had to contact some of them to get the answer.
You may have to arrange additional cover for some high-risk activities like climbing, winter sports, extreme sports, or some watersports. Safe places – see whether the Foreign Office cautions against travel to any of the regions you’re planning to visit. If you do visit a country or an area with restrictions or warnings in place, you could invalidate your insurance.
Options available are Winter Sports, Flight Cancellation and Exam Failure. You’ll also enjoy your backpacking more if you can break up the parts alone with some group adventures. The solitude of backpacking can be extremely nice, but it’s always safer to be part of a group — so if you have the opportunity to travel with someone, you should take it. Just about anything can go wrong, no matter how careful you are, but certain problems are more common to backpackers than other travelers. To help you proceed with care, here are six essential safety rules for backpackers.
Key Points About Backpacker Travel Insurance
Benefits/Coverage may vary by state, and sublimits may apply. As a world leader in travel protection, we help more than 21 million people answer the call of adventure with confidence every year. By telling us your country of residence we are able to provide you with the most relevant insurance information. But whatever creature comforts you can do without, travel insurance may be a good idea.
Otherwise, continue your journey to Zagreb and spend one or two days exploring the city. If you’re looking for the perfect 10-day Croatia itinerary, you’re in the right place. Follow my advice and you’ll marvel at some of the most beautiful destinations in the country. If you’re planning to backpack in Croatia for one week, you’ll have time to squeeze in more awesome places. Follow the first part of my 5-day itinerary (Dubrovnik – Split – Hvar – Krka National Park) – see above – and add the beautiful towns of Sibenik and Zadar.
Even if this means having to find alternative cover or paying a higher premium. Some policies have strict alcohol exclusions written into their policy wording. You can use the search facility below to compare polices, by saving your favourites. Backpacker Travel Insurance will offer you coverage for a multi-country trip over an extended period of time to cater for adventurers who need more than just a holiday. In many cases, you will come face to face with the raw culture of a country, and explore destinations, food and customs the average holiday maker might not. This is the main thing that is covered by any of the packages they have to offer.
There are no guarantees that your existing insurance policy will cover Covid-19-related risks. Check the details of your policy or contact your insurer for confirmation of the extent of cover provided. Many insurers have, say, three levels of cover, which might be presented as Bronze, Silver and Gold, and priced accordingly.
When we booked a year-long plan to cover our honeymoon, it was about $1,500 . In comparison, SafetyWing would have cost us $481 for the full year. SafetyWing starts at $40/month, or just $7.15 for 5 days (!!!!).
Arch RoamRight’s designated assistance provider can also assist you in taking the necessary steps to replace passports, tickets, and other important travel documents in the case that they are lost or stolen. If you have checked your baggage with a common carrier, such as an airline, and delivery is delayed, coverage for baggage will be extended until the common carrier delivers the property. Even though your backpacking travel insurance covers over 80 activities as standard, you should always check that any activities you plan to do, are included in your cover. If not, please select the relevant activity packwhen purchasing your policy.
In my opinion, it’s the most romantic destination in the whole country. “All roads lead to Rome.” You’ll find yourself using this expression more than once while backpacking around Italy. For thousands of years, Rome has been one of the most important cities in Europe. It’s the center of all things in Italy and, arguably, the entirety of Western Civilization.
A comprehensive travel insurance plan will include coverage for both travel delay and trip interruption. If you have planned your backpacking trip down to the minute detail, travel delay coverage may be a good friend of yours. Whether you are taking a flight, a train, or a bus to your next destination, a travel delay due to a covered reason may be reimbursable by filing a claim. Typically, this will include payments made for accommodations or food if the delay meets the minimum requirement listed in the plan.
Spend your days riding a moped around the island and swimming in azure waters. After enjoying a picture-perfect sunset, get dressed up for a night out on the town. Just try to make it home before sunrise (or, you know, don’t!). And, of course, be sure to travel safe and consider getting travel insurance for your Greek trip.
When you apply for your backpacker insurance, you must complete a medical declaration. We automatically cover many medical conditions anyway, but for any we don’t cover automatically, you can declare them online as part of your application, to ensure you’re fully covered. If you’re still on your parent’s health insurance plan, chances are, you’re not familiar with deductibles, yet, it is a critical term to understand when choosing the best travel insurance policy.
I’d recommend to anyone to stay a few days in Turin, in a heartbeat. Rome is a huge metropolis that contains multiple districts and even a separate state within – Vatican City. Those who want more accommodation tips should check out our guide on where to stay in Rome.
It’s available for people up to 49 years old, with no minimum age limits, and students can add optional Exam Failure Cover, exclusive to this policy. If you’re reading this I’ll assume you’re looking for solid, straight forward advice on backpacker travel insurance from a seasoned traveler. After almost a decade living abroad, and taking numerous off-grid risks ourselves, SafetyWing has earned its place as our top choice for the best backpacker insurance when we need it.
One of the main things that makes World Nomads the best backpacker insurance company out there is the huge array of adventure activities that they cover. It’s your choice to decide how much to spend on backpacker insurance. Different policies will include different benefits, and that comes at a cost. Thorough research before purchasing a policy is definitely a wise choice.
They aren’t the cheapest, but they do have the best reputation in the backpacking travel community. A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long. These days, I always use the travel insurance provider World Nomads. I have been using them for some time now and they are without a doubt my favourite travel insurance provider I have used.
And if you’re hitting the slopes, you’ll need ourwinter sports insuranceupgrade to cover your ski equipment and activities from skiing to snowmobiling. The policy you need depends on how long you’ll be travelling for. If you’re lucky enough to be taking a few months – or even a year – to travel, then you’ll need a policy that covers you for the full duration.
Sure getting a stitch or two or some antibiotics are cheap in some third world countries, but if you need care in an expensive facility or must be evacuated you can return home to a mountain of debt. We were on a motorcycle trip through Vietnam, a fairly risky affair, but a totally unrelated infection, that could have happened to anyone, ended up costing my friend almost $4000 in Vietnam. While not as plentiful as standard travel insurance companies, there are some specialist long-term travel/backpacking insurance companies that can be great for travelers. These include World Nomads , Insure and Go, Globelink, and others. Backpackers Travel Insurance is aimed at anyone who plans to travel around the world for an extended period of time . The policy is specifically aimed at younger travellers , who may visit multiple countries, during one extended trip.
The rental vehicle will most likely have rental vehicle insurance attached to it. You will have to purchase that policy specific to your rental vehicle. It does not replace any local rental vehicle policy that your rental vehicle needs.
Plus food and drinks are pretty cheap, so shoestring backpackers can expect to get by for less than 50 euros a day. Make sure you have enough money- You may think you have enough money for your trip, but funds can run out quickly. To prevent having to come home early, take extra, have back up cash or try to work while you’re out there. Bar work cover is included in activity pack 1 so why not try and make a bit of extra cash, so you don’t incur a cashflow problem. When you tell people you’re going backpacking, you’re sure to be bogged down with advice, a lot of which you’ll probably have forgotten by the time you’ve reached the airport. So, we’ll keep it short and sweet, with five things to take note of when you’re off on your adventure.
Check out our activities list to see if you’re covered for all those important adventure sports you’ve always wanted to try. If you need more cover then check out our Adventurer or Pioneer Backpacker Insurance policies. Tailored travel insurance for people living with pre-existing medical conditions. 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.
If you have more time to spend in the area, I recommend visiting the nearby Lopud and Kolocep Islands. Both can be visited as a day trip from Dubrovnik or, if you have more time, plan a few days in these off-the-beaten-path destinations in Croatia. The weather is warm to hot, there are lots of tourists and almost every destination is packed with people.
You should arrange for this part of the cover to start on the date that you book your holiday. Generally speaking, the higher the excess the lower the insurance premium. If you pick a policy with a cheaper excess of just £50 then the premium you have to pay will be more expensive than one with an excess of £100.
For them to do that they have to charge you more in premiums than the extremely talented actuaries at the insurance company calculate they’ll likely pay you in claims. If a policy cost $4 per day, the value to you is likely to be less than that. Instead, we’ll save that ~$1,500 per year and put that toward a self insurance fund. You can buy travel insurance up until the day you leave for a trip (since it usually takes hours to kick). Some companies, like Safety Wing, allow you to buy plans abroad. You can buy travel insurance even after you’ve booked your flight, so long as the policy is activated before you depart.
Why Do You Need Travel Insurance?
Alternatively, if you prefer, you can skip straight to our list of the Top 10 Backpacker Travel Insurance policies. If you are experiencing an emergency, please use the details on our Emergency Assistance page. Our beloved neighbour is extremely popular for backpackers. Here’s a handy survival guide to keep you safe and ensure you have the best time that you can.
If you want to get the adrenaline pumping on your holiday, then travel insurance that covers sports activities is essential. With our sports travel insurance, you’re covered for scuba diving, bungee jumping and much more. If you want a budget travel insurance option, 1Cover has a medical-only policy, designed for those who has been designed for those who are only concerned about medical expenses while travelling.
Although, you should know I try to be very cautious when I’m abroad and I also am sober, which means, I know how to stay out of trouble! That being said, I’m not a superhero, which means anything could happen at any time. Ideally, you should buy your travel insurance before leaving your country. When getting your quote, give accurate information to see if you can access the insurance coverage with your current situation.
If something any of the 10 points below is missing from your policy, then consider looking for a different provider. Some (really!) cheap travel insurance companies will insist that you pay a high excess on claims for electronics or other personal belongings. Certain travel insurance providers have, er, a VERY conservative approach to what’s considered “extreme.” And a lot of those “extreme” adventure sports are exactly the kinds of thing backpackers love to do. As someone who spends almost as much time traveling as I do at home, it’s the perfect option for a set-it-and-forget-it travel insurance provider. And with plans starting at just $40 per month, SafetyWing coverage offers the easiest to use and most affordable travel insurance plan I’ve ever seen. Our Annual multi-trip policies cover travel any number of times during the year, whether on a day trip; family holiday; mini-break; travelling for work.
But having this card won’t pay to get you home (from Spain, an air ambulance can cost £25,000). Nor will it pay for any other costs linked to a medical emergency. The FCDO lists all countries on their Travel Advice page, which you can view by using this link. Just select the Country you are travelling to where you will see the current advice in place shown at the top of the summary page.
I have never met anyone who has regretted buying travel insurance. I have spoken to folks who regretted buying the wrong type of insurance but they have treated this experience as a lesson for what not to do next time. You could have your trip cut 6 months short or even end up in a dirty hospital with an infection and no way of getting home. Don’t let that happen to you, a few hundred dollars might seem like a lot to spend before you’ve even left home but it’s well worth the investment of both time and money. Whilst most travel insurance policies will include some kind of baggage cover, very few will provide the sort of cover travellers truly need. Unlike other types of travel insurance, it’s tailored to cover you in multiple destinations and it often covers a range of adventure activities, as standard.
Some Insurance Providers insist on an EHIC Card if travelling within Europe or that you register on arrival with Medicare if travelling to Australasia . Backpacker Travel Insurance will allow you to stay in one country, or travel to a whole host of foreign countries, without having to organise a separate policy for each country you travel to. Some policies wil allow you to return home once or twice for a short period and you can also check this by following the link above.
Some companies will not cover you for extreme sports such as bungee jumping. If you are planning on hiring a vehicle on your trip, make sure you have adequate cover too. Consider taking End Supplier Failure Insurance too if you are planning on flying a lot. Also make sure the medical cover is high enough for the countries you will be visiting. Often, backpacking trips are planned as a generally more cost-efficient and flexible way of travel.
For example, £750 would be a typical cancellation limit for a cheaper policy such as TopDog Travel Insurance Economy. If yourrental vehicle is involved in an accident or is stolen, our policies will cover the excess payable up to $5,000. Your policy covers the full duration of your trip as stated on your Certificate of Insurance.
However, researching which is best for your trip may take you weeks. And let’s face it, shopping for backpacker insurance isn’t exactly fun. I thought I’d outline the best backpacker insurance companies for your – so that you can make an informed decision. INCIDENTS CAUSED BY RECKLESS DRIVING – Chances are that if you are driving you will be covered by car insurance too. That’s a bonus, because your travel insurance won’t cover you for anything remotely dangerous you may have done while on the wheel.
This situation is heart-breaking and you would wish you can cancel and at least have some of your money refunded. Well, the good thing is that some insurance companies cover this. The personal liability benefit can cover the payment of compensation for death, injury, physical loss, damage to property and legal expenses for settling or defending a claim against you. How would it feel to lose that new camera, tablet, laptop or phone overseas? Travel insurance can cover these items, so you won’t need to pay the whole amount to replace them.
Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs. We agreed and designed our policies especially for gap yearand backpacker travellers, making sure you have the backpacker travel insurance you need, but keeping prices low at the same time. This is one of the most budget friendly options in terms of travel insurance, so perfect if your budget is very limited – but it’s also suitable for business trips. It covers a bunch of activities – including more adventurous ones – and medical conditions; and cover a bunch of other classics classics such as flight delays, baggage loss, gear loss or theft and more. Backpacker travel insurance can help to fill these holes when it comes to your safety.
Discover Broke Backpacker Travel Secrets!
When taking a long-term trip this is invaluable as you can never be quite sure when you’ll be returning home. World Nomads provide travellers with affordable policy options but there are several other key advantages that are important to me when buying a policy. Being covered for emergencies is particularly important for backpackers who often go more off the beaten path compared to other travellers. Lee Abbamonte has visited every country in the world — and he never travels without the Allianz TravelSmartTM app. Find out how this free app can streamline your trip planning, show important safety updates and help out when you’re in a jam. Whether you’re planning a week-long road trip or a weekend getaway, you never know what might happen.
If so, then it is a good idea to be protected in all of these situations. We also found that scuba diving is mostly an excluded hazardous activity from most travel medical policies. When you get in contact with your insurance provider, you can ask for their help. They can assist with everything from finding a doctor, getting you a new place to sleep, or locating a local police station. There’s someone on staff whose job it is to help you in your time of need. You can usually call a hotline or send an email and receive prompt assistance back.
As mentioned above, what’s covered are the same but with different coverage amounts. This is especially important if you fall into serious illness or injury. There will be times when the place you are travelling to does not have the medical capacity to treat you and getting you home is the best option.
From 5th May 2021 we will not be able to provide cover while you take part in riskier Category 2 and Category 3 sports and leisure activities like kite surfing and rugby. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. If you’re living abroad or traveling in a country for a short period of time, you might be just fine with travel insurance.
With a backpacker policy you can get cover for up to two years. As fun as backpacking can be, there are things that you won’t be covered for. Couch surfing at a stranger’s place or hitchhiking is not something you would be covered for should anything go wrong. Like most insurance policies, there are exclusions that apply, so make sure you check these before you decide to purchase a policy. Backpacking quenches the thirst people have for the unknown. New experiences are enriching and widen one’s perspectives on life.
PERSONAL LIABILITY – If, by accident, you cause injury to someone, or cause damage or loss to someone’s property, your backpacker insurance will cover the costs. The main characteristics of a good backpacker insurance aren’t much different from those of a regular travel insurance. These are the things which – as a minimum – you should be looking for. This line of reasoning is simply irresponsible, if you ask me. So here I am explaining what a backpacker travel insurance is for, and the reasons why need it.
Plus, the fact that it is a FOLDABLE pack means you can tuck it away when not in use. Picking the right travel backpack is very important; you are, after all, going to be pretty much living out of your pack. And if you aren’t a Digital Nomad or aspiring entrepreneur, then you can probably take that laptop off your backpacking list.
It’s advised to test it out ahead of time in a few different settings to ensure it’s comfortable and has enough insulation. Sleeping pads come in a variety of lengths, thicknesses, and they can be inflatable or foam. Moisture-wicking, quick-dry fabrics are a good place to start and packing extra socks, liners and layers are valuable to change into for avoiding hypothermia in wet or sweaty conditions. All policies purchased online are emailed immediately – ideal for last-minute bookings. A wide range of Sports and Activities are covered, including Wintersports. We love getting to off-the-beaten-path destinations and aren’t afraid to go it alone.
At least £1 million personal liability insurance in case you injure a person or cause damage to their property. We have a Chase Sapphire credit card we typically use for rental cars because it offers primary collision coverage – that’s really helped us in the past. Personally, I do have a pre-existing condition that is unlikely to affect my trip but is still something for me to be aware of. Although it hasn’t come up yet, before leaving on my first major trip I requested a signed note from my doctor stating that I was entirely healthy for the activities I had planned and giving the go-ahead for travel.
If you are the type that likes to visit the lesser-known destinations, don’t worry; Italy still has plenty of secrets. In this travel guide for Italy, there will be an equal amount of popular and unknown locations suggested that will appeal to any backpacker. Unless you’re a real mountaineer, winter might not be the best time to go backpacking in the Alps.
Extreme and adventure sports are covered as standard under some policies, but not all. It’s worth checking with your insurer to make sure you’ve got the right cover in place if you’re planning on doing these activities on your trip. Mountain climbing insurance and hiking insurance policies usually specify the maximum elevation the plan will cover. For example, if you’re injured while hiking at 15,000 feet, and your policy only covers hiking injuries up to 14,000 feet, your claim may be denied.
Because of this, when signing up for a plan you should check the terms of your visa to see whether or not you are required to have a certain type of insurance. While this can be good, if something goes seriously wrong, they may only provide for repatriation to the country where you took the insurance, not your home country. Fortunately 95% of the time you never need to use the coverage you sign up for – you are just paying for piece of mind.
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. A backpacker policy covers all the things a regular travel insurance policy covers.
Traveling without insurance would be risky so do consider getting good backpacker insurance sorted before you head off on an adventure. Doing Italy on a shoetring is difficult but you can do it semi cheap. A comfortable budget for backpacking Italy would be around $50-$60 per day. Accommodation will eat most of your cash as most hostels cost around $15-$30 depending on the season. A restaurant meal will cost on average $15 while a panini or snack will be around $4.
Even though the water is perfect for swimming and you might be tempted to travel to Croatia during these months, you must remember that this is when the prices are the highest. Expect to pay more for accommodation, food and pretty much any kind of service related to tourism. If a refund from the holiday provider is out of the question you should contact your insurer to claim for all non-refundable costs. This may include flights and accommodation but also transfer and excursion costs, for example.
- Items bought after you start – These won’t be included in your cover.
- What you need to understand is that life is unpredictable, and even when we want to be optimistic and keep a positive attitude, we can’t foresee the future.
- It’s important to know that EU residents only need a valid ID card to enter Croatia.
- This is a term I just made up, but much like pre-existing medical conditions, I define a pre-existing peril as any issue that existed before you booked your travel insurance.
- Be sure to choose one that will cover your luggage if lost, stolen or delayed, all along your trip, on buses, in lodgings, planes etc.
There are now holiday insurance options that cover you for healthcare and the money you could lose due to your journey being negatively impacted by restrictions stemming from COVID-19. In summary, many competitors have too many caveats and exceptions, making SafetyWing the best backpacker travel insurance for our needs. If you visit your home country after you’ve been travelling abroad, you’re covered for 30 days out of 90, provided you’re not getting treatment for medical issues that started while you were abroad. SafetyWing is the cheapest travel insurance we’ve found to date, has the simplest billing process, a flat rate, and in our 10+ years travel experience it offers the most bang for the buck in terms of what’s covered. We cover the loss and theft of and damage to your baggage & personal belongings. We also provide you with an allowance to purchase essential replacement items in the event that your checked-in baggage is delayed for a certain period of time.
Please carefully read your policy wording for a full description of coverage. Travel insurance from WorldNomads.com is available to people from over 130 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities. SafetyWing is sort of the cool new travel insurance kid on the block, created as a scrappy Silicon Valley startup that fills a gaping need for location-independent travelers and digital nomads. It’s also the best travel insurance option for frequent travelers, because they offer long-term annual travel insurance plans as well as trip-specific travel insurance policies.
All of these policies can provide you with the protection that you deserve when you go on a trip. Go to our Travel Insurance page to look at our policies and get a quote for your next trip away from home. Conqueror of mountains, survivor of deserts, and crusader for cheap escapades. Will has been on the road for more than a decade, travelling to far-flung lands on a shoestring budget. Nowadays, he runs a number of online ventures, including The Broke Backpacker, Epic Backpacker Tours, and Ditch Your Desk. So keep this in mind as you peruse this list – only pack the gear that best fitsyour travel style and itinerary.
A couple who are legally married, common-law partners or cohabiting. All limits and excesses are per person irrespective of one or both travelling on the same trip. Please select the traveller who you wish to book insurance for. If there is a group of you, please select the Group type of policy. Check your government advice page for countries/regions that might not be safe to visit.
All good travel insurance policies should offer similar features, regardless of whether they’re specifically aimed at backpackers. All new True Traveller policies now include medical, cancellation and curtailment cover for Coronavirus. However, medical cover is subject to there being no Foreign, Commonwealth & Development Office travel warning for Coronavirus for the country or area you are travelling to. The cost of your travel insurance policy will depend on several variables. Call your health insurance company and ask if your policy covers you while you are traveling, whether it’s a different part of your country or internationally. I have been receiving mail for a few years now from Insurance Hotline, the articles are very helpful and informative.
With genuine 24/7 assistance anywhere on the planet and online claims and extensions from anywhere in the world while you are still away. Prices start at US$49 for two weeks and US$145 for three months. Trip Protection Insurance and International Travel Medical Insurance. If things go wrong while traveling, having travel health insurance and/or trip protection insurance can be a big cost saver in the long run.
You can compare plans from over 20 different insurance providers, with plenty of budget-friendly options available for backpackers. Please note that Insurance terms and conditions do vary and may change from time to time. The information provided here is for guidance purposes only. We recommend you check with your policy provider to ensure that you are fully covered before beginning your trip. Please read your policy terms and conditions very carefully. No matter who you choose I always recommend shopping around and comparing travel insurance providers.
However, after two years of travelling, you would be unable to extend your policy further and would have to take out cover with a new insurer. Get a quote to view rates, benefits and PDS and compare to find the right policy for your backpacking trip away. Travelling on the cheap or with expensive camera equipment, we may have the right policy for your travel needs. On your backpacking trip, you can expect to see many different locations, meet plenty of people, have fun and most importantly, discover something new about yourself.
‘Traveller Plus’ offers higher medical cover as well as cancellation options. ‘add-ons’ such as sport, adventure and extreme activities so if you want to bungee jump in New Zealand (or Scotland like we did, tandem!) you will need to add this package on to ensure you are covered. Winter sports can be added on here too and there is usually a different package depending on the duration of your ski/board trip. Emergency Medical Expenses – the amount of money the insurer will pay towards your medical care, care above this amount must be paid by you privately.
If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly. At the end of the day the best scenario is that your travel insurance is the biggest waste of money on your trip – because that means you’ve come back in one piece. While traditional travel insurers will often only let you take out insurance before your trip, many backpacker plans will allow covid 19 travel insurance you to extend your plan midway through your adventure. Many of the backpacking insurance companies on our list are global companies that offer insurance to residents of many different countries, no matter where they are from. Some policies do exclude manual labour , so you need to check the policy details carefully for any occupation exclusions. Cover your pricey and precious electronics while on the road.
Yes there is a 14 Day cooling off period from receipt of the policy either at time of print, receipt of email or receipt by post. In the case of any medical emergency or the need to curtail your trip due to an insured reason please call the Emergency Assistance Service. 24 months is the maximum amount of time that we are currently able to provide. Most insurers will have a 24-hour phone number to call if you need to make a claim. The customer service agent will be able to take down the particulars and open a claim on your behalf. Missed or delayed departure covers your expenses should you miss your flight or if it is delayed.
Make a day trip out to Lake Como while you’re at for a little Riviera-esque action. Afterwards, head north through the Tuscan countryside, visiting as many charming villages and rustic vineyards as you can. Eventually, you’ll end up in the capital of Tuscany, Florence. Florence is one of the most important cities in Italy and is full of history. If you’re sick of museums, take a trip out to Cinque Terre and get some much-needed beach time. There’s something for everybody in Italy, be it a relaxing vacation or a thrilling hunt for unknown destinations.
I’ve done my best to break this backpacking checklist down into several sections so you can pick what to take backpacking based on the kind of trip you’re doing. If you are wondering how to pack for backpacking, the most important piece of information I can give you is this – pack light. Don’t worry – I’m here to show you exactly what to pack while backpacking by giving you my top-secret backpacking checklist.
However, this protects you for costs for accidental damage or if you are wrongfully accused of causing injury or damage. You can buy, extend and claim online, even after you’ve left home. Travel Insurance from WorldNomads.com is available to people from over 140 countries. Also, if you are renting a car while abroad, you may want to consider a comprehensive travel insurance plan that has the option for rental car collision coverage.
You need one more thing to make sure your off-the-beaten track break doesn’t become an expensive disaster. Disclaimer – Bajaj Finance Ltd. is merely a distributor of above Products, owned by CPP Assistance Services Private Ltd. . This product shall be governed by CPP product T&C’s and BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This is not an insurance product and CPP Assistance Services Private Ltd. is not an insurance company. BFL does not compel any of its customers to mandatorily purchase any third-party products. Complimentary backpacking protection provides comprehensive coverage with an add-on personal accident protection up to Rs. 1,50,000.
Many times when we use our travel insurance it is in a moment in which we all wish we had known earlier. The major insurance providers might be sneaky and know where you’re traveling to, but might not cover a specific illness that’s known to be in the area you’re in. Some plans will omit certain aspects such as specific medical concerns, or will only provide a certain amount of coverage based on an algorithm.
You won’t be able to claim for cancellation if you simply don’t want to travel (called ‘disinclination to travel’). Visiting friends or family, going on a personal holiday and going on a working/volunteering holiday are not deemed essential reasons for travel. Cover is provided, but excludes any claim arising, either directly or indirectly, from the reason the FCDO advice against travel is in place.
Plans can also include lost, delayed and stolen baggage, protection for electronics and sporting equipment and legal advice if you need it. To put the price of healthcare into perspective, my friend Kaci went over her ankle at the Grand Canyon. We spent half a day waiting on treatment , she received an x-ray and crutches. Luckily she could claim this back as she had travel insurance.
Similar to World Nomads, World First offers coverage for a medical emergency, trip delay, lost or stolen cash and gear, legal advice, and dental treatment. World First is provides excellent budget travel insurance for UK residents . Whether you are going on a short trip or a multi-month odyssey, World First offers a decent policy coverage starting at just a few bucks a day. 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!
When you join a guided group trip, and even more so one that has a high level of adventurous activities, the operator will require to purchase a good travel insurance. That’s when your backpacker travel insurance will come in handy. Your costs will vary depending on which country you’re from, where you’re travelling to, and what type of backpacking travel insurance coverage you want. Finally, remember that any theft needs to be reported to the police within 24 hours.
Imagine the panic when you’re driving through the French countryside, with the kids in the back and a boot full of luggage and the car dies. You can always rely on the AA to help you out, just make sure you’re covered. Helping thousands of people worldwide with backpacking in Latin America. Layer Culture means to dig deeper into the ideas, customs, and behavior of a group of people. Stay covered in CartagenaYou don’t know what will happen when you go for that long-awaited hiking trip or that bucket-list water-sport activity. I hope this article has given you the confidence to make a decision and get your up-and-coming trip covered by WorldNomads.
On top of that, you also get coverage on Rental Vehicles and Personal Accidents. When your bag goes missing, you can’t just replace those items. Some of those are your carefully selected essentials for the trip that you planned for! If you secured travel insurance, they could have at least lessened your burden.
Pre-existing medical conditions – they’ll usually say that’s an issue for your regular health insurance. Finding cheap insurance for backpackerscan be tough and, let’s be honest, it’s a really unexciting thing to spend money on. I honestly would not travel without backpacker insurance though. A re-enactment of me furiously researching travel insurance companies for this post. Your task is to convince your travel insurance provider that you have taken every reasonable precaution to avoid needing their help.
If the period of cover purchased is two months or more, a total of 7 days/nights stop-over is allowed in any other country for no additional premium. So let’s say your deductible for medical treatment is $500. If you have to endure a small operation costing $700 total, you will still be responsible for the first $500 and your insurance will cover the remaining $200. They are a trusted company and generally the most popular in the budget travel community because of their low rates, flexibility to apply while still traveling, and excellent customer support. Medical coverage is the most important aspect of travel insurance, but it’s not the only advantage included.
If you lose your policy documentation, please check your email inbox to see if the originals are there. If you are still unable to find the documents and relevant information, please contact us as soon as possible to retrieve them. If a government or other official body have issued a specific “Do Not Travel” or “Reconsider Your Need to Travel” warning and you go anyway, we won’t cover any claim you make relating to this. If you’re intoxicated, taking drugs (that haven’t been prescribed) and your claim results from these actions, then you’re not covered.
If you’re looking to save money during your trip, you can find cheaper meals by eating locally instead of visiting bigger restaurants. Many places also have amazing street food that give you a real taste of local cuisine while also saving short term medical insurance for travel abroad you quite a bit of money. When it comes to visiting museums and other attractions, you can often get cheaper access if you book ahead or if you have a valid student ID, while there are also many attractions that have free entry.
The most popular villages are probably Positano and Amalfi itself. For a truly intimate experience, stay in an Airbnb in Venice. Accommodation in Venice proper is predictably very expensive.
Slovenia is fucking gorgeous though so don’t fret too much. Other Eastern nations further abroad, like Hungary, Serbia, and Romania should be convenient health insurance for overseas travel enough. Those who want to go backpacking in Italy and, afterward, Greece should utilize one of the many convenient ferries that cross the Adriatic Sea.
It is important to note that if you miss a flight due to your own negligence, then insurers will most likely reject your claim. Take time to enter details about yourself and your intended travel plans. Using that information, we’ll provide you with a variety of quotes best suited to your needs.
With any insurance, backpacker insurance is not a legal requirement, however it is highly recommended if you are travelling to places you are unfamiliar to. Especially as a backpacker, you are considered higher risk to normal travellers. AA offers three levels of cover; Value, Essential and Extra. If you’re looking for cheap holiday insurance covering just the basics then our Value Travel Insurance is for you. Our Essential Travel Insurance has all the basics but with a higher level of cover, while the Extra Travel Insurance provides our most comprehensive cover.
For instance, you are able to extend your insurance on the go and even get insurance even after leaving your home country. The Walkabout and Walkabout Plus policies are perfect for longterm travellers who do not intend to work abroad. The Working Holiday Policy covers the same as the Walkabout Plus policy, but includes over 130 holiday occupations within the standard option. You can upgrade the policy to include over 450 different occupations. From covering medical costs, to helping replace lost items – if something goes wrong, travel insurance means you can still enjoy your holiday.