"travel Insurance Tips For Backpackers Exploring Australia"

 "travel Insurance Tips For Backpackers Exploring Australia" - Throughout my adventurous travels, I've made travel insurance claims for hotel room theft, broken ankles, delayed travel plans, a broken camera, and that one time I knocked out three teeth in a motorcycle accident. When these accidents happened, I was relieved that I was responsible enough to buy comprehensive but cheap backpacking 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 backpacking travel insurance options that I have used over the past six years of my travels, I have used a combination of the following three options.

"travel Insurance Tips For Backpackers Exploring Australia"

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I will give 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 several trips per year as long as each trip is less than 90 days before returning to your place of residence. This is great for those who have a home base but take 3-4 big trips a year.

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

Hiring an adventure without backpacking travel insurance can be a huge financial mistake. Having good backpacking travel insurance is peace of mind and has proven to be a good investment for me over the years as I have received more claims than I have paid in premiums.

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In this post, I'll talk about what to look for when choosing a good backpacking travel insurance policy and which of my two favorite providers is best for you. At the end of this post, I'll also give a short explanation of each claim I've made personally and what the outcome was so you can get an idea of ​​what's usually involved. 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 even harder to get an accurate quote without having to spend a lot of time entering all your information first. From my personal experience, HeyMondo is the easiest platform and they make all inclusions and exclusions clear. Unlike many insurance companies, they are not trying to trap you with lots of hidden fees or exclusions.

Exclusions are often hidden in the fine print, and you only find out you're not covered for certain activities in specific countries... when it's too late. In addition to the extreme activities specific to you, the main things you NEED to include in your travel insurance are:

Those are the two most likely to rack up a huge bill. Hospital bills and evacuation are the biggest items that can have a catastrophic financial impact on you.

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So, I detailed the two non-negotiables in the previous section. They should be standard, but you also want to have coverage for the types of incidents that are smaller and more likely to occur. These six items should be included in even any cheap backpacking travel insurance.

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

When I first started traveling, HeyMondo was the first insurance provider I used. I have continued to use them for my travels to this day. I've tried a few others, like SafetyWing, along the way.

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

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HeyMondo are great BUT when it comes to the cheapest backpacker travel insurance you can also check out

SafetyWing. Nomad insurance offered by SafetyWing is only $42 per month and unlike most insurance plans, it is paid monthly just like a prepaid phone plan. There's no lock-in contract, and with the click of a button, you can turn it on or off for the next month. Each month, the payment will be automatically deducted from my account, just like any app subscription on your phone. This is how modern travel insurance should be.

It is CHEAPER than almost all travel insurance policies and has almost identical coverage. I had my entire $7000 surgery in Australia covered after I broke my ankle. The only key difference is that the maximum payout is $250,000. It is possible to accumulate it in a foreign hospital, but it is very unlikely. Other than that, there isn't 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 and other procedures that are outside the scope of travel/backpacking insurance. Personally, if I choose SafetyWing, I'd stick with Nomad Insurance for $42 a month.

How To Choose Travel Insurance

I am a fairly experienced traveler but I can tell you now that I have made an insurance claim with HeyMondo or

Medical bills for 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 considerable abrasions on my body. Result: All medical expenses were covered, including scooter/moped cover, unlike many providers.

Money stolen from my hotel room: I had $500 stolen from my passport wallet in my hotel room when the door was locked. I think it must have been the cleaner. Result: $250 payout as there is a $250 limit on stolen/lost cash, but a higher limit for personal items. It's still okay 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 days before. 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 flooded my Sony A7ii. Result: HeyMondo covered the price of the repair and said that if the repair was more than a replacement, they would buy me a new one.

Fractured ankle and torn ligaments while hiking in Australia - required MRI, x-ray, surgeon appointment, then surgery. The total cost in Australia was $7000. Result: I received a full refund minus the $100 excess from SafetyWing on my $40/month Nomad insurance plan.

Although it should be simple, it is not. The claims department will usually look for some loophole in your claim to avoid payment, although SafetyWing and HeyMondo seemed ready to help.

The main point that will help you have a successful claim and payment is to have all your documents to support your claim. If there has been a theft or damaged items, I highly recommend getting a police report, which will solidify your claim and show the insurance provider that this happened without a doubt. You'll also need receipts or proof that you were the owner of the items you claim were lost or stolen. I always keep all my e-receipts in a folder.

Long Stay Travel Insurance: Providers That Cover For Over 90 Days

HeyMondo usually handles claims in 2-3 weeks and SafetyWing took a little over 5 weeks between my claims submission and payment, but it was a larger amount than $7000 so they probably took a hard look at it.

There are limits to what you can or cannot claim. You can expect that the items listed below are NOT covered by your backpacking insurance policy.

I hope this guide helps you understand what to consider when buying your backpacking insurance. There are many options, but these two listings are by far the most comprehensive when it comes to cheap backpacking travel insurance. Hopefully, you'll never need to make a claim because your trip goes smoothly, but just in case you do, make sure you're covered. Stay safe out there and adventure hard.

Thank you, for me now the ideal insurance is that it covers not only the medical expenses for the treatment, but also the covid-19 tests 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 guide. I'm thinking of taking a 30-day vacation in the Philippines, more specifically in the Davao region. However, my country (Germany), has issued a travel warning to this region because of terrorism and unrest, only the Mindanao region, not the entire Philippines. The problem is that I need travel insurance, but I'm afraid they won't pay for it. You happen to know one

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