"Cheap backpackers travel insurance" was last updated on May 07, 2013
In this article I'll be talking about why you need a backpacker insurance, useful tips on how to choose the right travel insurance and what an insurance should cover.
Let's cut to the chase.
Why should you buy a backpacking insurance?
If you don't have 2 millions to donate foreign hospitals, then it's obvious that you need a backpacking insurance.
Anything can happen and the best way to prepare yourself is... with travel insurance!
Think of it as an investment, rather than annoying paper work!
I mean, if someone steals your backpack with all your dirty
t-shirts and underwear - So What?
Most travelers can afford this loss. But it's a completely different thing if you experience accidents.
Think about this:
So, hospital expenses + evacuation expenses + flight ticket to get home = BROKE AND MISERABLE.
Your parents have to sell their house to cover your bills from foreign hospitals, instead of saving the money for their dream house, or for your college tuition.
An example of this is a case where a younger man was involved in an accident in Thailand. But he couldn't be brought home because he didn't have any travel insurance. The transportation would have cost his family $142.000.
So, remember this: If you can't afford insurance, you can't afford traveling.
1) Where am I going?
The point of asking this question relates to insurance coverage and price. Your insurance must cover the countries you're traveling to. And it's likely more expensive for a European traveler to purchase a worldwide insurance, than a Japanese traveler who's already in Asia.
2) How long am I staying abroad?
Example: If you're away from October - April, don't purchase insurance for exactly 6 months. Extend it with at least a couple of weeks.
Unpredictable happenings can occur while you're away. And if this happens, you have to extend the trip!
A good reminder is the political demonstrations in Bangkok.
The protestors occupied both of the airports in Bangkok, back in November 2008. Thousands of backpackers and tourists were stranded at the Suvarnabhumi international airport.
3) What kind of activities will I be doing?
Check if your insurance company covers the activities you'll be doing in Asia.
Like, diving (check their rule for depth), rock-climbing, bungee jumping, mountain-biking, elephant riding etc.
And have in mind that ordinary insurance don't cover professional sporting activities.
What activities does insurance companies consider as "extreme sports"?
Hmmm... tough question because there are different opinions about which sports are considered as extreme/dangerous. So there's no clear recognized definition of this. But the sports defined as typical extreme so far are: Bungee jumping, skydiving, rock-climbing, motocross, base jumping, free diving, river rafting, hang-gliding etc. So, the best thing to do is to think about what sports you want to do in Asia, and ask if the insurance policy covers them.
A tip to cheap backpackers travel insurance: World Nomads is recommended by Lonely Planet and it's catered towards backpackers.
When you travel in Asia you often receive generous and gracious hospitality from local people, even when they don't have much themselves.
World Nomads believe, we have a moral obligation to give something back to the people who live in the communities that we visit. It is simply the right thing to do to help people who struggle with basic needs for food, water, housing, health and safety.
How? We support WorldNomads.com Footprints program to fund local community projects to end poverty.
You can also get an insurance quote right here:
What you need to know about World Nomads travel insurance
Backpacking Insurance Checklist:
Trip cancellation isn't usually included in an ordinary travel insurance, and you have to buy this as well.
Want to make an insurance claim?
Here are some of your options for CHEAP backpackers travel insurance!
Note: They're cheap, but necessarily not the best when it comes to making a claim.
For student travel insurance, here's one of your options:
STA Travel is well-known for cheap backpackers travel insurance:
What you need to know about World Nomads travel insurance
Like this page?
Search this site
Got any recommendations or advice for which travel insurance company to use? Do you think it's worth to buy a travel insurance? I'm eager to hear your opinions!
Or maybe you own a travel insurance agency and want to share it with visitors of Backpacking Tips Asia.com?
Share your recommendations, tips and stories right here! :-)
PS: I reserve the right to delete a submission if it's not original, duplicate content, or if it's too short.
By original I mean the content is NOT copied from another website. That also means your own website. I will check if the content you provide is duplicate or not. Sorry for sounding strict, but I aim to deliver excellent and original content to my readers - that's my priority no. 1.
Any submission below 300 words will be deleted.
Click below to see contributions from other visitors to this page!
You can also comment them! :)
Backpacker Travel Insurance: Tips for if you have to make a claim
About backpacker travel insurance: Travel Insurance companies do not make it easy to make a claim. They make you jump through hoops and provide pages …
5 Tips to Save Money on Backpacker's Travel Insurance Not rated yet
We’ve all heard stories of people 'wasting' their money on travel insurance, but remember - it's insurance! It's only useful when you need it and not …
» Travel Forum: Itineraries
» Travel Insurance
» Nightlife in Kuala Lumpur
» Route Planner
» Packing List
» Life After Backpacking
» Kuala Lumpur Malaysia
» Perhentians Malaysia
» Review of massage in Kerala
» Review of Erawan waterfalls/