"travel Insurance Tips For Backpackers And Budget Travelers In Australia"
"travel Insurance Tips For Backpackers And Budget Travelers In Australia" - The AIA Around The World Plus policy protects travelers across all countries. This comprehensive plan can be purchased both online or through a designated AIA representative. To protect yourself in case of unforeseen circumstances, don't forget to get your insurance before you set off on your next trip abroad!
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"travel Insurance Tips For Backpackers And Budget Travelers In Australia"
AIA Around the World Plus (II) The savvy traveler never leaves home without travel protection, because unforeseen setbacks don't have to ruin the trip. AIA Around The World Plus (II) offers comprehensive benefits from before you set off, to enhanced protection that lasts until after you return home. With trip cancellation protection, post-travel medical coverage and the all-new COVID-19 coverage, be more confident as you fly in the new normal.
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AIA Healthshield Gold Max AIA HealthShield Gold Max is a MediSave approved medical expense reimbursement plan that combines a MediShield Life component with additional private insurance.
AIA Solitaire Personal Accident (II) Accidents are among the leading causes of hospitalization in Singapore. But with the right personal accident plan, you can ensure coverage for life's big falls, as well as the little everyday hiccups. With AIA Solitaire PA (II), you can be covered for more than just personal accidents. Enjoy 24/7 global coverage for medical, dengue fever, TCM and chiropractic treatment costs, food poisoning, transport accidents, building fires, kitchen misadventures and much more. All for just S$0.60 per day, with no medical check-up required. We are certainly not travel insurance experts and this post is based on our opinions, we should put this warning up front! But we recently renewed our annual travel insurance and had to do a lot of research to support our purchase decision. We like to make sure we're getting a good deal. But also that we have the best travel insurance with comprehensive cover suitable for our situation as Digital Nomads and occasional backpackers. Here's what we found.
There are many reasons that anyone traveling abroad may need to take out travel insurance. The main reasons we buy travel insurance are as follows:
Backpackers will likely need specific travel insurance tailored to their particular scenario. Travel insurance for backpackers should most likely include:
What Is Backpacker Travel Insurance And Do You Really Even Need It?
If you buy travel insurance as a backpacker, you should check that it covers all these things.
If you are traveling with a companion, be sure to check for policies that allow you to add an additional traveler to the policy for free.
If you're only planning on backpacking for a few months, then check out the best travel insurance for long stays (below).
World Nomads is a specialist travel insurance provider for backpackers and digital nomads. They provide policies useful for anyone traveling continuously for a long time without returning to their home country.
The Best Backpacker Travel Insurance
This is a good policy for backpackers as it covers things like delays in luggage arriving and incidental costs you might incur in purchasing essential items. It is also specifically adapted to backpackers.
There are two downsides to this policy (or at least things to note for backpackers.) First, you will not be covered for any loss as a result of intoxication. So if you lose your bag on a night out, you may not be covered. Second, you are responsible for keeping your belongings as safe as possible at all times - this means locking them in hostels.
What we like about Outbacker is that it has a cover for anyone who plans to work vacation while backpacking. Therefore, if you travel to Australia and work on farms, work in a vineyard in South Africa or work in any kind of ski season work, this may be the best option for you.
For UK backpackers, the Post Office has a solid travel insurance option. We like their travel insurance because it can cover backpacking trips for up to 18 months. This makes this a great option for anyone taking a long trip. Post Office also offers Student Discounts.
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We were surprised by how many annual multi-trip insurance policies did not allow long stays in their fine print. Specifically, many were limited to 30 day trips abroad. This doesn't always work for us when we travel, so we shopped for travel insurance that provides cover for stays of more than 30 days and up to 90 days. Here are the best ones we found:
We like this annual multi-trip option because you can buy insurance to cover foreign trips of up to 62 days. There is an option to pay for an additional device cover.
This is also a popular annual multi-trip option because you can buy insurance to cover overseas trips of up to 60 days.
One thing to check about long stay travel insurance is whether or not the policy requires you to book a return trip. If you plan to keep your long stay open, then any condition that you have a return trip may prevent a claim on your insurance.
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For Digital Nomads like us, travel insurance can be quite difficult. There are a few things that Digital Nomads should look out for when buying travel insurance, such as:
World Nomads - link here. Why do we like it? World Nomads insurance allows for long-term travel and is specifically for nomadic lifestyles. It also has £2000 technical cover and cover for 200 sports.
SafetyWing - link here. Why do we like it? SafetyWing is one of the best known travel insurance providers for Digital Nomads. The product is different from others on the market because it is Digital Nomad Travel Medical insurance. This means you can also access cover for various medical needs while travelling. Based on reviews it seems to be tried and trusted. The other thing we like about SafetyWing is that it provides different rates for Digital Nomads under the age of 39. You can also pay monthly and cancel at any time. So it's a bit like having annual insurance, but without the upfront cost.
Covid coverage is the big one! We are very pleased to be out of the period of extremely restrictive travel caused by Covid. However, there is still risk and it is important to look closely at travel insurance policies for Covid cover. Many travel insurers have tightened up their policy wording since the pandemic. This made it quite difficult to claim for any travel issues arising from Covid.
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Policy in relation to Covid is always changing, so we will not recommend a specific policy, but we would suggest that you consider the points above when deciding on your policy. Always read the small print!
We have found that most travel insurance covers have an option to add cover for specific sports. Fortunately many annual travel insurance policies have cover for hiking, yoga, some sailing and other low-risk activities that we tend to do as part of our travels. However, many insurance policies will not automatically cover higher risk activities such as sailing across oceans, mountain climbing and snow sports such as skiing.
If you plan to undertake sports activities while you travel, be sure to check the small limit!
Many people make the mistake of buying travel insurance just before traveling, even on the day of their trip. This is problematic because travel insurance is only valid from the day of purchase. Therefore, if you booked your trip in January (for example) and you are due to travel in March and you wait until March to buy travel insurance, you will not be covered for a trip cancellation that occurs in February (for example.)
How To Choose The Best Travel Insurance For Your Trip
Travel insurance is much more effective if you buy it at the same time you book or organize your trip. If you have annual cover then you will be covered for any trip throughout the year. We like an annual blanket because we don't have to think about it once we have it!
Annual cover tends to be less expensive if you travel often and would otherwise have to take out multi-trip insurance. However, if you're taking a particularly unusual trip, for example shark diving in Australia and the rest of the year you tend to take less high-octane holidays, then it might be worth your while to buy single trip insurance with specific cover for your shark. road trip
Based on our own experience, our research and the wisdom of Martin Lewis (money saving expert), there are a few things that are never covered by travel insurance:
Most of our planning is done through other blogs, but you can't beat a guidebook at the bottom of your case. Find yours on Amazon here and get on your way!
Buy Backpacker Travel Insurance Now! Get A Quote Online
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