Best Travel Insurance for Backpackers and Digital Nomads

Best travel Insurrance for your world trip 

( Are you travelling to Bali ? Or other parts of the world ? ) Check my travel blog here where everything is explained . Many tips and hint for your travel )

I’ve been travelling since a few years now and I know that travel insurance is  an important part of your journey . We rarely used it, but it can basically ” save your life ” as the cost of hospitals and other fees in some countries are ridiculous ( way more expensive than in western countries ) . In Bali where I live for example, there’s some stories of Westerner that had to pay 40-50-60 000 USD following a simple scooter accident. And the one who have been to Bali knows how crazy the traffic is . It can happen any time.

I actually just finished a world trip and I choose Allianz that is for me the best backpacker travel insurance .

Table of contents :

• – Why taking a travel insurance ?

• – How to choose a good travel insurance ?

• – Best insurance for travellers, digital nomads and backpackers

• – Safety tips during your trip ( in order to avoid to use your travel insurance )

• – A quick sum up for your travel insurance choice

⚠️ Don’t forget our complete guides about many countries in the world ( 5 continents )

✅ What to do cities by cities

✅ Trekking, Yoga, adventure, surf and the best activities 

✅ Best food and best cafés

☝🏻 And way more about the world 

🔍 Just type  the topic / country you choose in the search bar for all our articles

Why taking a travel insurance ? 

What you should be looking for unforeseen events :

– Medical evacuation and medical emergency for unexpected incident
– Medical coverage and medical costs
– Coverage for extreme sports or winter sports
– Lost of personal belongings
– Flight delays
– Credit card issue
– Travel documents lost or stolen

Time : if you are doing a long-term backpacking trip, there is a few important things to check on your comprehensive cover. One is to make sure that all the countries where you are going to are on your policy . So organise your travel plans and your type of trip . Other is to check is there is no ” Specific” countries like Cuba ( not many providers insured Cuba or North Korea for example ) , The last one is to know if their basic plan can be extended months after months .

The first service provider I took for my world trip couldn’t insure Cuba and was doing only one year insurance . The last thing you want is to get stuck at the border ( Insurance for Cuba is compulsory )

So please ! Go and insured yourself and check my guide below

How to Choose a Good Travel Insurance

Travel insurance is a must-have for any trip, no matter how long or short. It can protect you from financial ruin in the event of a medical emergency, lost luggage, or other travel mishaps. But with so many different policies and providers to choose from, it can be hard to know where to start.

That’s why we’ve put together this guide to help you choose the best travel insurance for your needs. We’ll cover everything from what to look for in a policy to how much coverage you need.

I heard so many stories of peoples that had accidents overseas and had too organise a “go fund me” in order to pay the expenses . Same if you are doing a trekking and need an helicopter evacuation , this would cost you a FORTUNE 

1-) What to Look for in a Travel Insurance Policy ?

When you’re shopping for travel insurance, there are a few things you should keep in mind:

Coverage limits:  How much coverage do you need? This will depend on the length and cost of your trip, as well as your activities. For example, if you’re going on a hiking trip, you’ll need to make sure your policy covers medical expenses in case of an accident.

Exclusions:  What is not covered by your policy? Be sure to read the fine print to make sure you understand what’s excluded. Some common exclusions include pre-existing conditions, war, and terrorism.

Deductible :  How much will you have to pay out-of-pocket before your insurance kicks in? The higher the deductible, the lower your premiums will be. But you need to make sure you can afford to pay the deductible in case you need to file a claim.

Claims process:  How easy is it to file a claim? What documentation do you need to provide? Make sure you understand the claims process before you buy a policy.

Customer service:  How good is the customer service at the insurance company? If you have a claim, you want to be sure that you can get help quickly and easily.

2-) How Much Coverage Do You Need?

The amount of coverage you need will depend on the length and cost of your trip, as well as your activities. A good rule of thumb is to have enough coverage to replace your lost or stolen belongings, as well as cover any medical expenses that you may incur.

If you’re going on a long or expensive trip, you may also want to consider getting coverage for trip cancellation or interruption. This type of coverage will reimburse you for your trip costs if you have to cancel or interrupt your trip for a covered reason, such as a medical emergency or a natural disaster.

3-) How to Get the Best Deal on Travel Insurance

There are a few things you can do to get the best deal on travel insurance:

Shop around:  Compare quotes from multiple insurers before you buy a policy.

Buy in advance:  You’ll usually get a better deal if you buy your policy in advance of your trip.

Bundle your coverage:  If you’re buying other types of insurance, such as homeowners or auto insurance, you may be able to get a discount on your travel insurance if you bundle your coverage.

Consider a travel credit card:  Some travel credit cards offer built-in travel insurance. This can be a good option if you don’t want to buy a separate policy.

3-) Travel Insurance Tips 

Here are a few tips to help you get the most out of your travel insurance:

Read the policy carefully:  Before you buy a policy, be sure to read the fine print to make sure you understand what’s covered and what’s not.

Take photos of your belongings:  If you have valuable items, take photos of them before you leave on your trip. This will help you prove that you owned them in case they’re lost or stolen.

Keep your receipts:  Keep all of your receipts for any purchases you make while you’re traveling. This will help you prove that you paid for your expenses in case you need to file a claim.

File your claim promptly:  If you have a claim, file it as soon as possible. The sooner you file, the more likely you are to get your claim approved.

Travel insurance can be a valuable tool to protect yourself from financial ruin in the event of a travel mishap. By following these tips, you can get the most out of your travel insurance and enjoy your trip without worry.

Best Travel insurance for travellers,  digital nomads and backpackers 

Travel insurance is an important part of any trip, but it can be especially important for digital nomads and backpackers. These travellers often spend extended periods of time in foreign countries, and they may be more likely to experience accidents, theft, or medical emergencies.

When choosing a travel insurance policy, it’s important to consider your specific needs and budget. Some policies offer comprehensive coverage, while others are more limited. It’s also important to make sure that the policy you choose is valid in the countries you plan to visit.

Here are a few tips for choosing the best travel insurance policy for digital nomads and backpackers:

–Consider your specific needs. What kind of coverage do you need? Do you need coverage for medical expenses, lost luggage, or trip cancellation?
– Make sure the policy is valid in the countries you plan to visit.
– Compare prices from different providers.
– Read the policy carefully before you buy it. Make sure you understand what is and is not covered.

BEST TRAVEL INSURANCES 

Here are a few of the best travel insurance providers for travellers,  digital nomads and backpackers:

World Nomads

• World Nomads offers a variety of travel insurance policies, including policies that are specifically designed for travellers digital nomads and backpackers.

World Nomads is a travel insurance company that specializes in providing coverage for backpackers and digital nomads. The company offers a variety of policies to choose from, each with its own set of benefits and features.

One of the things that makes World Nomads stand out from other travel insurance companies is its focus on providing comprehensive coverage for travelers,  backpackers and digital nomads. The company’s policies cover a wide range of risks, including medical expenses, lost luggage, trip cancellation, and theft.

World Nomads also offers a number of features that are designed to make it easier for backpackers and digital nomads to file claims. The company has a 24/7 customer service line that is available in multiple languages. World Nomads also offers a mobile app that allows policyholders to file claims and track their progress.

In addition to its comprehensive coverage and user-friendly features, World Nomads is also known for its affordable rates. The company offers a variety of discounts, including discounts for students, families, and solo travelers.

Overall, World Nomads is a great option for travellers who are looking for comprehensive and affordable travel insurance coverage. The company’s policies offer a wide range of benefits and features, and its customer service is second to none.

Here are some of the benefits of World Nomads travel insurance:

-Comprehensive coverage for a wide range of risks, including medical expenses, lost luggage, trip cancellation, and theft.
– 24/7 customer service line that is available in multiple languages.
– Mobile app that allows policyholders to file claims and track their progress.
– Affordable rates with a variety of discounts available.

Check their website :

https://www.worldnomads.com/au/

SafetyWing

SafetyWing offers a monthly subscription-based travel insurance policy that is ideal for digital nomads who travel frequently.

SafetyWing is a travel insurance company that specializes in providing coverage for digital nomads and backpackers. The company offers a monthly

subscription-based policy that covers a wide range of risks, including medical expenses, lost luggage, trip cancellation, and theft.

One of the things that makes SafetyWing stand out from other travel insurance companies is its focus on digital nomads and backpackers. The company understands the unique needs of these travelers, and it offers a policy that is tailored to their specific needs.

For example, SafetyWing’s policy covers medical expenses for a wide range of conditions, including pre-existing conditions. This is important for travellers , who may have pre-existing conditions that they need to continue to treat while they are traveling.

SafetyWing’s policy also covers lost luggage, trip cancellation, and theft. This is important for digital nomads and backpackers, who may lose their luggage or have their trip canceled due to unforeseen circumstances.

In addition to its comprehensive coverage, SafetyWing also offers a number of features that make it a good choice for nomads . For example, the company’s policy is available in over 150 countries, and it can be purchased and activated online in just a few minutes.

SafetyWing also offers a 24/7 customer service line that is available in multiple languages. This is important for travelers, who may need to file a claim while they are traveling in a foreign country.

Overall, SafetyWing is a great option for digital nomads and backpackers who are looking for comprehensive and affordable travel insurance coverage. The company’s policy is tailored to the specific needs of these travelers, and it offers a number of features that make it easy to purchase and activate.

Here are some of the benefits of SafetyWing travel insurance:

• – Comprehensive coverage for a wide range of risks, including medical expenses, lost luggage, trip cancellation, and theft.
  – Tailored to the specific needs of digital nomads and backpackers.
  – Available in over 150 countries.
  – Can be purchased and activated online in just a few minutes.
  – 24/7 customer service line that is available in multiple languages.

If you are a digital nomad or backpacker, I highly recommend SafetyWing travel insurance. The company’s policy is comprehensive, affordable, and easy to use.

Check their website :

https://safetywing.com/

Allianz Global Assistance:

Allianz Global Assistance offers a variety of travel insurance policies, including policies that are specifically designed for long-term travelers.

Allianz Global Assistance is a travel insurance company that offers a variety of policies to choose from, including policies that are specifically designed for travellers, backpackers and digital nomads.

The company’s policies cover a wide range of risks, including medical expenses, lost luggage, trip cancellation, and theft. Allianz Global Assistance also offers a number of additional features that can be helpful for backpackers and digital nomads, such as 24/7 customer service, medical evacuation, and emergency assistance.

One of the things that makes Allianz Global Assistance stand out from other travel insurance companies is its focus on customer service. The company has a dedicated team of customer service representatives who are available 24/7 to help policyholders with any questions or concerns they may have. Allianz Global Assistance also offers a number of online resources, such as a travel blog and a customer service portal, that can be helpful for backpackers and digital nomads.

In addition to its comprehensive coverage and excellent customer service, Allianz Global Assistance also offers competitive rates. The company’s policies are available for a variety of budgets, and policyholders can choose the level of coverage that best suits their needs.

Overall, Allianz Global Assistance is a great option for backpackers and digital nomads who are looking for a comprehensive and affordable travel insurance policy. The company’s policies offer a wide range of coverage, excellent customer service, and competitive rates.

Here are some of the benefits of Allianz Global Assistance travel insurance:

• – Comprehensive coverage for a wide range of risks, including medical expenses, lost luggage, trip cancellation, and theft.
• – 24/7 customer service.
• – Medical evacuation.
• – Emergency assistance.
• – Competitive rates.

If you are a backpacker or digital nomad, I highly recommend Allianz Global Assistance travel insurance. The company’s policies are comprehensive, affordable, and offer excellent customer service.
One of the best backpacker insurance

Check their website : ( Select your country first )

https://www.allianz.com.au/travel-insurance.html

Safety tips during your trip (to avoid to use your Travel insurance)

No matter which provider you choose, make sure you read the policy carefully before you buy it. This will help you make sure that you have the coverage you need for your trip.

Here are some additional tips for staying safe while traveling  :

• – Be aware of your surroundings. Keep your belongings close to you at all times, and don’t leave them unattended.
  – Be careful when using public transportation. Be aware of your surroundings and keep your belongings close to you.
  – Avoid walking alone at night. If you must walk alone at night, stay in well-lit areas and be aware of your surroundings.
  – Drink only bottled water. Avoid drinking tap water or water from questionable sources.
  – Get vaccinated for common travel diseases. Talk to your doctor about which vaccines you need for your trip.
  – Take precautions against insect bites. Wear long sleeves and pants, and use insect repellent.
  – Stay safe in the sun. Wear sunscreen and sunglasses, and drink plenty of water.

By following these tips, you can help to ensure a safe and enjoyable trip.

in Short : a quick sum up about your travel insurance selection 

Travel insurance is a must-have for any trip, no matter how long or short. It can protect you from financial ruin in the event of a medical emergency, lost luggage, or other travel mishaps. By following these tips, you can get the most out of your travel insurance and enjoy your trip without worry.

Travel insurance is an important part of any trip, but it can be especially important for digital nomads and backpackers. These travelers often spend extended periods of time in foreign countries, and they may be more likely to experience accidents, theft, or medical emergencies.

When choosing a travel insurance policy, it’s important to consider your specific needs and budget. Some policies offer comprehensive coverage, while others are more limited. It’s also important to make sure that the policy you choose is valid in the countries you plan to visit.

Here are a few tips for choosing the best travel insurance policy for travellers :

• – Consider your specific needs. What kind of coverage do you need? Do you need coverage for medical expenses, lost luggage, or trip cancellation?
• – Make sure the policy is valid in the countries you plan to visit.
• – Compare prices from different providers.
• – Read the policy carefully before you buy it. Make sure you understand what is and is not covered.

Here are some additional reasons why it is important to have travel insurance:

• – Medical expenses can be very expensive, especially in foreign countries. A travel insurance policy can help to cover the cost of medical care, including doctor’s visits, hospital stays, and prescription drugs.
• – Lost luggage can be a major inconvenience, especially if you are traveling for a long period of time. A travel insurance policy can help to cover the cost of replacing lost luggage.
• – Trip cancellation can happen for a variety of reasons, such as a natural disaster, a medical emergency, or a job loss. A travel insurance policy can help to cover the cost of your non-refundable trip expenses.

Travel insurance is an important investment that can help to protect you from financial loss in the event of an accident, theft, or medical emergency. If you are planning a trip, be sure to purchase a travel insurance policy to protect yourself and your belongings.

⚠️ Don’t forget our complete guides about many countries in the world ( 5 continents )

✅ What to do cities by cities

✅ Trekking, Yoga, adventure, surf and the best activities 

✅ Best food and best cafés

☝🏻 And way more about the world 

🔍 Just type  the topic / country you choose in the search bar for all our articles

WHO AM I ?

Hello !

I am Eric, a French Australian citizen based between Australia, Asia and Bali an I love to travel and experience the world. I generally like outdoor activities, wellness, great food and venues , party and real local adventures ! I am a Yoga practitioner and fitness lover

I created this travel blog because I love to travel and I want to share my experiences with others. I’ve been traveling since I was a child, and I’ve been to over 50 countries. I’ve seen some amazing things and met some amazing people, and I want to help others experience the same things.

I believe that travel is one of the best ways to learn about the world and about yourself. When you travel, you’re forced to step outside of your comfort zone and experience new things. You learn about different cultures, different religions, and different ways of life. You also learn about yourself, your strengths, and your weaknesses.

Travel can also be a great way to make new friends. When you’re traveling, you’re surrounded by people from all over the world, and you’re all in the same boat. You’re all there to explore and experience new things, and that can create a bond between people.

Let’s connect together !

I hope that my travel blog will inspire others to travel and to see the world. I also hope that it will help people to learn about different cultures and to become more open-minded.