"travel Insurance For Backpackers: Must-have Coverage For Australian Adventurers"

 "travel Insurance For Backpackers: Must-have Coverage For Australian Adventurers" - During my adventure travels, I've claimed theft from a hotel room, a broken ankle, delayed travel plans, a broken camera on my travel insurance, and that time I knocked out three teeth in a motorcycle accident. When these accidents happened, I was relieved that I was responsible enough to purchase comprehensive but inexpensive backpacker travel insurance for travelers.

I've had really great experiences with two different types of travel insurance. I will explain the difference between these two cheap backpacker travel insurance options that I have used over the last six years of my travels, I have used a combination of the following three options.

"travel Insurance For Backpackers: Must-have Coverage For Australian Adventurers"

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A Comprehensive Guide To Travel Insurance

I will share a lot of personal experiences and information below in this blog post. However, these are the three most common types of insurance

Heymondo annual insurance: travel insurance for multiple trips per year, as long as each trip is less than 90 days before your return to your place of residence. This is great for those who have a home base but who take 3-4 big trips a year.

HeyMondo Long-Stay Insurance: travel insurance for all your trips throughout the year without having to return home every 90 days. Basically, it's great for digital nomads or those on a trip that lasts more than 3 months. This is a great option for someone like me.

Going on an adventure without backpacking travel insurance can be a big financial mistake. Having good backpacker travel insurance is peace of mind and has proven to be a good investment for me over the years as I get more claims than I pay in premiums!

How To Choose Travel Insurance

In this post, I'll discuss what to look for when choosing a good backpacker travel insurance policy and which of my two favorite providers is a better fit for you. At the end of this post I will also briefly explain each claim I personally made and what the outcome was so you can get an idea of ​​what is covered on a regular basis. So let's dive in and explore the two best travel insurance companies for backpackers and travelers!

It can be hard to find cheap backpacker and traveler insurance, and it's even harder to get an accurate quote without spending a lot of time entering all your information first. From my personal experience HeyMondo is the easiest platform and all inclusions and exclusions are clear. Unlike many insurance companies, they don't try to hook you with lots of hidden fees or exclusions.

Exclusions are often hidden in the fine print and you only find out that you don't have cover for certain activities in specific countries when it's too late. Apart from the extreme activities specific to you, the main things you MUST include in your travel insurance are the following:

Those are the two most likely to earn a huge bill. Hospital bills and evacuations are big items that can have a catastrophic financial impact on you.

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So in the above section, I have detailed the two non-negotiables. These should be standard, but you also want to have coverage for smaller, more likely types of incidents. These six items should be included in any cheap backpacker travel insurance.

So let's dive into the different types of insurance packages available and which one might be best for you.

When I started traveling, HeyMondo was the first insurance provider I ever used. I still use them when traveling. I've tried a few others along the way, like the SafetyWing.

HeyMondo has a very quick and easy process to get coverage. With a few details about your age, the countries you're visiting and the duration of your trip, you can be set up and covered. Making a claim is just as easy with an online portal where you fill out a claim and attach supporting documents. HeyMondo is the best cheap travel insurance for backpackers in my opinion.

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HeyMondo are great BUT for the cheapest travel insurance for backpackers you can also check out

SafetyWing. SafetyWing's Nomad insurance is just $42 a month and unlike most insurance plans, it's paid monthly, just like a prepaid phone plan. There is no lock in contract and with the click of ONE button you can turn it on or off for the next month. Payout is automatically deducted from my account each month, just like any app subscription on your phone. This is what modern travel insurance should look like.

It is CHEAPER than almost all travel insurances and has almost identical coverage. I had a full $7000 surgery in Australia covered after I broke my ankle while hiking. The only key difference is that the maximum payout is $250,000. It is possible for it to accumulate in a foreign hospital, but it is highly unlikely. Other than that, there is not much difference between SafetyWing and other providers.

There is also a 'Remote Health' option within SafetyWing which costs $200 per month but covers all surgeries and medical events such as dental, reconstructive surgery and other procedures that are beyond travel/backpack insurance. Personally, if I were to choose SafetyWing, I'd stick with the $42/month Nomad insurance.

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I'm a pretty seasoned traveler, but I can tell you right now that I've made an insurance claim with HeyMondo or

Medical bills for a motorcycle accident in Bali: I knocked out two and a half teeth, had 8 stitches in my chin, a hairline fracture in my wrist, and significant abrasions on my body. Result: Unlike many providers, all medical expenses were covered including scooter/moped coverage.

Money stolen from my hotel room: AUD$500 was stolen from my passport wallet when the door was locked. I believe it must have been the cleaner. Result: $250 payout because there is a $250 limit on stolen/lost cash but a higher limit on personal items. It's always good to get something back.

Medical bills in Indonesia for another motorcycle accident: I had x-rays and a cast on my wrist for a hairline fracture after an accident in the Philippines a few days ago. Result:

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My camera stopped working after I was caught hiking in the rain. Even inside my bag, the ferocity of this storm overwhelmed my Sony A7ii. Result: HeyMondo paid for the repair and said if the repair was more than a replacement, they would buy me a new one.

Broken ankle and torn ligaments while hiking in Australia: I needed an MRI, an X-ray, a visit to a surgeon, and then surgery. Total cost in Australia was $7000. Result: I received a full refund minus $100 from SafetyWing on my $40/month Nomad Insurance Plan.

While this should be straightforward, it isn't. The claims department usually looks for any holes in your claim to avoid paying it, although SafetyWing and HeyMondo seemed ready to help.

The main point to help you end up with a successful claim and payment is to have all the documents that support your claim. If items have been stolen or damaged, I highly recommend getting a police report to confirm your claim and show the insurance provider that it actually happened. You'll also need receipts or proof that you owned the items you claim were lost or stolen. I always have all my electronic receipts in a folder.

Travel Insurance For Backpackers

HeyMondo tends to process claims within 2-3 weeks and SafetyWing took a bit longer when it took 5 weeks between my claim and payment, but it was a bigger $7000 so they probably looked into it carefully.

There are limits to what you can or cannot claim. You can expect that the items in the list below will NOT be covered by your backpacker policy.

I hope this guide has helped you understand what to look out for when buying backpacker insurance. There are many options, but these two are by far the most comprehensive when it comes to cheap travel insurance for backpackers. Hopefully you'll never have to make a claim as your trip goes smoothly, but just in case you do, make sure you're covered! Stay safe out there and enjoy the adventure.

Thank you, for me now the ideal insurance is to cover not only the medical costs of the treatment, but also the covid-19 testing for travel. This makes planning easier and you don't have to spend extra money all the time.

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Hi, thanks for the tutorial. I am planning to take a 30-day vacation in the Philippines, more specifically in the Davao area. However, my country (Germany) has issued a travel warning to this region due to terrorism and unrest, only in the Mindanao region, not the entire Philippines. The problem is I need travel insurance but I'm afraid they won't pay for it. Do you happen to know?

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