The Best Move Insurance Companies For Backpackers
Posted: 6/16/2019 | June 17th, 2019
I’m a backpacker at heart. Even later traveling the basis for over a decade, I notwithstanding honey to go cheap, prioritizing experiences over fancy accommodation together with transportation. I notwithstanding honey staying at hostels, coming together locals, together with sampling every bit many local delicacies every bit I can.
Contrary to pop belief, existence a backpacker is non almost pinching every penny — it’s almost finding value. If y'all desire to convey a genuine together with authentic trip without breaking the depository fiscal establishment y'all bespeak to pass your coin wisely.
And when it comes to backpacking some the world, i of the wisest choices y'all tin give the axe build is to purchase travel insurance.
I know, go insurance seems similar simply some other expense that volition flake away at your budget. I used to mean value that too.
But it also has the potential to salve y'all thousands of dollars should something become incorrect on your trip.
And later traveling some the basis for the past times 10 years, I tin give the axe confidently enjoin y'all this: things volition become wrong.
To assist y'all rest rubber on your adjacent trip, hither is everything y'all bespeak to know almost buying insurance every bit a backpacker.
Table of Contents
Why Do Backpackers Need Insurance?
The argue y'all bespeak to purchase go insurance is because accidents happen. Regardless of whether you’re at identify or abroad, things become wrong. At home, y'all probable convey access to medical attention together with reliable medical facilities.
On the road, that isn’t e'er the case.
While serious injuries are rare, they exercise happen. And it’s e'er meliorate to last rubber than sorry. But insurance isn’t simply for medical emergencies. It also covers a lot of incidents that are much to a greater extent than mutual than y'all think!
Here’s a quick overview of what y'all tin give the axe await your backpacker insurance to cover:
- Medical emergencies (surgery hospitalization fees, medical evacuation)
- Flight delays together with cancellations
- Trip cancellations (due to injury or a drib dead inwards the family)
- Emergency evacuation (due to injury or natural disaster)
- Dental emergencies
- Lost or stolen baggage
- Damaged or stolen gear
- Death overseas
While it’s unpleasant to pass fourth dimension dwelling solid on these things, the truth is, y'all bespeak to last prepared for the worst. Hopefully, you’ll never bespeak to role your insurance plan, but if y'all bespeak to, y'all desire to build certain y'all convey the coverage y'all need.
I’ve had my bags stolen, I’ve needed to become to the infirmary overseas, and I was fifty-fifty stabbed spell traveling inwards South America.
I didn’t excogitation for whatever of these things to happen, but when they did, I was glad I had insurance to assist me acquire reimbursed every bit good every bit to assist me navigate the confusion that comes alongside having an emergency abroad.
I know, every bit a backpacker y'all similar to piece of job on costs low. Insurance isn’t free, later all, which makes it seem similar a burdensome together with unnecessary expense.
But it’s much meliorate to pay a few bucks a hateful solar daytime than direct a opportunity losing your life savings should an emergency occur spell y'all don’t convey coverage.
What Does Travel Insurance NOT Cover?
While most go emergencies together with injuries are covered past times go insurance, it’s of import to know what is not covered past times your plan. Knowledge is power, later all.
For reference, most backpacker insurance policies exercise non cover:
- Accidents sustained spell participating inwards extreme adventure activities. These oft include hang-gliding, paragliding, or bungee jumping.
- Alcohol- together with drug-related incidents.
- Carelessness or negligence.
- Pre-existing atmospheric condition or full general check-ups.
- Stolen cash (unless y'all pay for a to a greater extent than comprehensive plan)
- If civil unrest makes your finish dangerous but your regime hasn’t called for an evacuation, y'all in all probability won’t qualify for evacuation (unless y'all convey to a greater extent than advanced coverage from a society similar Medjet).
- Changing your heed almost your trip or unfriending or breaking upwards alongside your go partner volition disqualify y'all from trip-cancellation coverage.
- Pre-existing medical atmospheric condition don’t qualify for most trip cancellation plans unless otherwise stipulated.
- If your visa to a finish is refused y'all won’t last reimbursed if y'all create upwards one's heed to cancel your trip.
The Best iii Backpacker Insurance Companies
To assist y'all rest rubber on your adjacent trip, hither are some suggested companies that render affordable insurance for backpackers:
1. STA Travel Insurance
STA is an online go way that is known for their flights together with go packages — but they offering affordable go insurance also for students every bit well.
STA sells basic, budget-friendly coverage for students together with teachers who travel, alongside plans starting every bit depression every bit $99 USD for 1 year. If you’re a pupil together with a budget backpacker who is solely looking for the most basic of coverage, STA is the society for you.
Here’s a quick overview of STA Travel Insurance:
- Budget-friendly plans
- ISIC bill of fare benefits inwards over 125,000 locations
- Basic coverage options
- Great for students/shoestring backpackers.
Click hither to acquire a quote from STA.
2. Insure My Trip
Insure My Trip helps y'all compare insurance plans together with prices therefore y'all tin give the axe purchase the excogitation that’s best for y'all together with your budget. You tin give the axe compare plans from almost thirty unlike insurance providers, alongside enough of budget-friendly options available for backpackers.
And they are the go-to society for older backpackers every bit good since many go insurance companies won’t encompass travelers over 65. Insure My Trip provides comparisons from insurance companies that encompass older travelers, making them the best choice for retirees together with other senior adventurers.
Here’s a quick overview of Insure My Trip:
- Guaranteed depression prices
- Coverage for senior travelers over 65
- “Anytime advocates” inquire the insurer to give your claim a minute aspect if y'all mean value it was unfairly denied.
Click hither to acquire a quote from Insure My Trip
OUR TOP PICK: World Nomads Travel Insurance
World Nomads is the absolute best insurance society for budget travelers. I’ve been using them for over a decae together with convey never been disappointed alongside their client service or coverage. Their plans are comprehensive together with peachy for both long-term travelers every bit good every bit anyone heading out on a shorter vacation. It’s tardily to read (and understand) their policies together with consider what’s covered — together with what isn’t.
Best of all, if y'all desire to larn to a greater extent than earlier y'all purchase or convey questions later y'all sign up, their client back upwards is at that spot to help.
World Nomads is perfect for adventurous backpackers who excogitation to exercise activities similar hiking, kayaking, or fifty-fifty some extreme sports similar bungee jumping or stone climbing. With 100 unlike activities covered, World Nomads is the best choice for the active backpacker.
To assist y'all larn to a greater extent than almost World Nomads, here’s a quick overview of their coverage:
- Emergency medical together with dental coverage
- Coverage for trip cancelations, delays, together with interruptions
- Baggage protection
- Emergency evacuation (for medical emergencies together with non-medical emergencies such every bit natural disasters)
- Medical transportation
- 24/7 client assistance
World Nomads was founded past times backpackers therefore they know precisely what the budget traveler needs inwards their plan. This is my go-to insurance society together with i I’ve been using for years. If it sounds similar the society for you, y'all tin give the axe role the widget below to acquire a quote:
(Want to larn more? Check out my comprehensive World Nomads review!)
After backpacking some the basis for over a decade, I never acquire out identify without go insurance. I’ve experienced first-hand how helpful it tin give the axe be. It’s saved me thousands of dollars over the years — every bit good every bit countless headaches too.
Not solely that, but buying go insurance provides peace of mind. It gives y'all together with your identify unit of measurement a security internet inwards instance things become wrong. Whether you’re island-hopping inwards Thailand or getting off the beaten path inwards Eastern Europe, go insurance volition last at that spot when y'all bespeak it.
Being a backpacker is all almost having amazing, memorable go experiences all without breaking the bank. And there’s no meliorate way to insulate yourself from expensive (and unnecessary) costs than past times buying go insurance.
Book Your Trip: Logistical Tips together with Tricks
Book Your Flight
Find a inexpensive flying past times using Skyscanner or Momondo. They are my 2 favorite search engines because they search websites together with airlines some the globe therefore y'all e'er know no stone is left unturned.
Book Your Accommodation
You tin give the axe majority your hostel alongside Hostelworld every bit they convey the largest inventory. If y'all desire to rest somewhere other than a hostel, role Booking.com every bit they consistently render the cheapest rates for guesthouses together with inexpensive hotels. I role them all the time.
Don’t Forget Travel Insurance
Travel insurance volition protect y'all against illness, injury, theft, together with cancellations. It’s comprehensive protection inwards instance anything goes wrong. I never become on a trip without it every bit I’ve had to role it many times inwards the past. I’ve been using World Nomads for x years. My favorite companies that offering the best service together with value are:
- World Nomads (for everyone below 70)
- Insure My Trip (for those over 70)
Looking for the best companies to salve coin with?
Check out my resource page for the best companies to role when y'all travel! I listing all the ones I role to salve coin when I go – together with that volition salve y'all fourth dimension together with coin too!
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