Best Backpacker Travel Insurance Reviewed (Top Backpacking Insurance Plans for USA, UK, and Australian Citizens)

Seattle, Washington – ( NewMediaWire ) – October 25, 2020 – Many backpackers prioritize cheap…

Seattle, Washington – ( NewMediaWire ) – October 25, 2020 – Many backpackers prioritize cheap travel over fancy transportation and accommodation because of the value and experience. 

However that doesn’t mean that being a backpacker is carefree — things can go wrong. And, in this article, you will learn about the best backpacker travel insurance and why it’s a good idea to have it. 

>>Click Here to Get a Free Quote for Backpacker Insurance Today

Best Insurance Companies for Backpacking

These insurance companies offer competitive plans to backpackers:

1. World Nomads Travel Insurance

This company is good for both long-term and short-term vacation. It offers affordable premiums and superb customer care. It is perfect for backpackers out for a good time kayaking, hiking, and engaging in any other extreme sport. Perhaps the most likable thing about them is that they cover over 100 activities – there’s always a likelihood all your needs fall somewhere in those 100 activities.

Here’s a brief overview of the company’s coverage:

  • Baggage protection

  • Coverage for trip delays, interruptions, and cancelations

  • 24/7 customer care support

  • Emergency dental and medical coverage

  • Emergency evacuation (for non-medical and medical emergencies, e.g., natural disasters)

  • Medical transportation

It is worth mentioning that World Nomads Travel Insurance was founded by a group of backpackers who understand the needs of a typical budget traveler.

2. Insure My Trip 

Insure My Trip is a price comparison tool rather than a distinct insurance company. It makes it easier for you to compare several insurance plans and their prices so that you can buy one that suits your budget. With Insure My Trip, you can make comparisons between over 30 insurance providers.

If you are over 65, this is the travel insurance option for you as most companies won’t cover travelers who are in their mid-60s. Here’s what I like about Insure My Trip:

  • Low prices are guaranteed.

  • It covers “Golden Oldies” who want to travel during their retirement.

  • It advocates anytime on your behalf and will ask the insurer to review the claim if you feel that they denied it unfairly.

It is almost stereotypical for a backpacker to be a penny pincher, i.e., always looking for a way to cut the cost of virtually everything from air tickets to what they will eat. But that’s not the whole story: I’m for value rather than the cost. Over ten years down the line, and I still glean magazines for local hostels, cheap native delicacies, and places I can meet and interact with the locals.

The key to backpacking is to plan well and spend your money wisely if you want to have a fun trip without blowing a fortune on it. And, if you want to travel the world with peace of mind, then travel insurance is a must-have. 

Understandably, travel insurance may seem like just another bothersome expenditure that could poke holes in your finances or budget. This is a common way of thinking before you learn the true value of travel insurance. 

The most obvious benefit is the soft landing it provides if things don’t turn out as planned. And, looking back at my entire 10 years’ experience trotting across the globe, I can tell you with certainty that things will always go wrong.

Just so you have a trouble-free backpacking experience, here are all the facts you need to know about travel insurance which I’ll cover further down:

  • Why Every Backpacker Needs Insurance

  • Things That Travel Insurance WON’T Cover

  • Why Every Backpacker Needs Insurance

Why Every Backpacker Needs Insurance

Picture this – you are in the middle of nowhere in a far-off land you’ve never been before, and then you’re struck by accident. Before you even know it, you are in the hospital and need to pay for all medical costs before figuring out your way home or continue with your voyage. Travel insurance was made for such experiences, and they are more common than you may imagine. The good thing is that travel insurance covers a plethora of other things besides medical cover:

  • Death overseas

  • Stolen or damaged gear

  • Stolen or damaged baggage

  • Dental emergencies

  • Emergency evacuations (as a result of a natural disaster or injury)

  • Trip cancellations (also, due to death of a family member or injury) 

  • Flight cancellations and delays

  • Medical emergencies (medical evacuation, surgery hospitalization fees, etc.) 

While it may be a bit unpleasant to think of these kinds of things before you even embark on a trip, it is always good to prepare for the worst. Hopefully, you will never have to use your detailed insurance plan, but if you find yourself in a sticky situation that needs it, it would be good to have the best coverage you deserve ready and waiting!

I’ve had a fair share of misfortunes that ended up requiring insurance – from crime-related incidents such as bags being stolen to falling violently sick, and a few other horrible experiences in between. I never planned for all these situations, but they happened anyway. 

However, when they did, my insurance company rushed to my rescue by getting me reimbursed and even helping me navigate safely out of the confusion of emergencies. 

As a backpacker, however, you probably like to watch where every penny goes to keep costs to a minimum. But insurance coverage is never free and might look like an unnecessary or costly burden but it’s not worth skimping on. 

The good thing is that most insurance companies require you to pay a few bucks every day towards your insurance. Cumulatively, those payments could save you from death or a very challenging incidence that may suddenly require a lot of money.

Things That Travel Insurance WON’T Cover

A typical insurance plan will cover for such things as injuries and emergencies, but it’s good to be aware of things your plan won’t cover before even committing yourself to one.

Most insurance policies aimed at backpackers won’t cover the following:

  • Incidents relating to drugs or alcohol 

  • Incidents arising from straight negligence and recklessness

  • General check-ups or pre-existing conditions

  • Stolen cash (you can opt for a more comprehensive plan in this case)

In the event of civil unrest in your destination, which ends up making the place unsafe for you, you may qualify for evacuation if your government also fails to make evacuation plans. However, some companies like Medjet let you avoid this by choosing more advanced coverage.  

If you change your mind about your trip by any chance, e.g., through breaking up with your partner or unfriending them in such a way that puts your trip into jeopardy, most companies will disqualify you from their trip-cancellation coverage. 

Unless otherwise stipulated, pre-existing medical conditions do not qualify for trip cancellation plans most of the time.

In the event your visa is refused and ends up requiring you to cancel the trip, most insurance companies will decline to reimburse you.

For over a decade, I’ve been backpacking around the world, there’s no single day I’ve left home without insurance cover because I recognize just how useful it can turn out to be. It can spare you plenty of headaches as well. 

It can also be a great way of reassuring your family of your safety and wellbeing, whether you are leaving for the tropical islands of Thailand or the beaten paths of Eastern Europe.

The Bottom Line

Backpacking is a great way to see the world and get the most value out of your cash. Over the last decade, I’ve accumulated a wealth of memory-making experiences. But, in my experience, trips don’t always go as planned and good travel insurance is at the top of my “don’t-leave-home-without-it” list. Trust me, it’s not worth taking the risk all to save a couple of pennies. 

>>Click Here to Get a Free Quote for Backpacker Insurance

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