Journey insurance coverage is important for any journey overseas. Though it’s unlikely that something will go unsuitable, it’s vital to be lined as a severe accident or sickness may find yourself costing you a fortune. For the previous 5 years we’ve been utilizing True Traveller insurance coverage which is the very best backpacker insurance coverage we’ve discovered.
True Traveller insurance coverage is just obtainable for UK and EU residents, so if you happen to’re from someplace else we advocate World Nomads as an alternative—extra particulars on that under.
Right here’s why we predict True Traveller is the very best long run journey insurance coverage.
True Traveller was initially an journey journey firm—their insurance policies are designed by travellers for travellers and it exhibits. They provide a flexibility that different insurance coverage firms don’t and present an actual understanding of the wants of backpackers and long-term travellers. With True Traveller you possibly can:
- Purchase journey insurance coverage if you end up already travelling – That is very uncommon as most insurance coverage firms require you to be in your house nation on the time of buy. It’s supreme if you happen to overlook to purchase insurance coverage or your coverage expires and it’s essential to renew.
- Journey with a one-way ticket – Not like most insurance coverage firms, True Traveller covers you if you happen to don’t know if you’ll be returning house (as we by no means do) and don’t have a return ticket.
- Get cowl for a variety of journey actions – Whether or not you’ll be horse driving, scuba diving, snowboarding, trekking, volunteering, or engaged on a niche yr, True Traveller covers you. You possibly can select which of their three exercise packs is best for you—the Traveller Pack covers 91 actions and is included as commonplace.
- Select the duvet you really want – This will dramatically cut back the price of your coverage (see under).
In case you are heading off on an extended journey, you should purchase a backpacker insurance coverage coverage for as much as 18 months (and prolong it if wanted).
Though True Traveller insurance coverage is right for long-term travellers, it’s nice for brief journeys too. You should purchase cowl for a single journey or doubtlessly get monetary savings with an Annual Multi Journey coverage which is legitimate for limitless journeys all year long, for as much as 30 days (True Worth) or 70 days (Traveller).
True Traveller insurance coverage is the very best worth journey insurance coverage we’ve discovered. It is because they will let you tailor the coverage to swimsuit you. You possibly can select probably the most fundamental medical insurance coverage or add extras like baggage, electronics, cancellation, excessive journey actions, and winter sports activities cowl. This retains prices down as you solely purchase what you really want.
Getting a True Traveller Quote
True Traveller provides three insurance policies: True Worth (the most affordable, for backpackers and travellers underneath 40), Traveller (their hottest coverage), and Traveller Plus (with enhanced medical and cancellation cowl). They can’t insure people who find themselves over 65 years outdated.
It’s very simple to get a quote on the homepage of the True Traveller web site. Under is the quote I acquired—£300.12 for a one yr True Worth worldwide coverage (together with the US).
In case you exclude the US and Canada, you’ll save a substantial quantity—£50 on this quote. On journeys over six months, you possibly can spend 14 days within the US with out paying additional.
You possibly can see the totally different ranges of protection above. Traveller and Traveller Plus provide larger ranges of protection and smaller excesses (the quantity you pay of any declare). We normally select the essential True Worth coverage as our primary concern is medical bills and repatriation and £2.5 million cowl is a lot.
I like to recommend paying barely extra—about £40 a yr on my quote—to cut back the surplus to £zero. We’ve not completed this earlier than, however prior to now yr we each went to the docs and ended up spending over £100 every so this is able to have saved us cash.
You possibly can then select so as to add an Exercise Pack, however for us the Traveller Pack that’s included is sufficient. It covers actions that we generally do like horse driving, motorcycling (underneath 125cc), kayaking, biking, white water rafting, crusing, browsing, and much extra. You may also add winter sports activities cowl.
For the True Worth coverage baggage isn’t mechanically included however you possibly can add it. We don’t hassle because it solely consists of valuables as much as £200 complete (£100 per merchandise) and our non-electronic objects aren’t value a lot.
You may also select so as to add electronics individually, however the worth restrict of £450 per merchandise (or £750 with Traveller Plus) isn’t sufficient for our laptops and digital camera. Sadly, we haven’t discovered choice for long-term worldwide electronics insurance coverage, so our objects are uninsured and we make certain now we have sufficient financial savings to interchange them.
In case you resolve to journey for longer, you possibly can simply prolong your True Traveller coverage (earlier than the expiry date) and get a 10% low cost. Even if you happen to let your coverage expire whereas overseas you should purchase a brand new one by ticking the “already travelling” field.
Straightforward Claims Course of
The actual check of any insurance coverage is how simple it’s to make a declare. Final yr I needed to make my first declare with True Traveller and was happy to find that the method was easy and fast.
To make a declare you must obtain the declare type from their web site and return it inside 60 days of the incident. Be sure to hold any receipts and physician or police studies.
I needed to go to the physician in Bali on two events about ongoing abdomen issues they usually did numerous checks to search out out what was unsuitable and prescribed antibiotics. The entire value wasn’t an enormous quantity over my £125 extra, nevertheless it was value placing in a declare anyway. As I mentioned above, in future I’ll pay a bit of additional to cut back the surplus to zero.
The claims type was a bit of intimidating at first, nevertheless it was simple as soon as I began and it didn’t take lengthy to fill out. As I used to be nonetheless travelling I used to be capable of ship the shape by e-mail together with scanned copies of the physician’s report and receipt and my certificates of insurance coverage. Scanning was simple with the Notes app on our iPhone or you possibly can simply take a photograph.
Claims are presupposed to take as much as 10 working days however two days later I obtained an e-mail saying my declare had been processed and a day later the cash was in my checking account.
I used to be impressed by how simple and fast making a declare was. I used to be additionally happy that they hadn’t quibbled over the truth that the physician had acquired my date of delivery unsuitable on my report. My declare was a small one, a lot bigger claims could also be tougher, however True Traveller has wonderful critiques on Belief Pilot and I really feel assured persevering with to make use of them.
World Nomads: The Greatest Various to True Traveller for Non-EU Residents
In case you are not from Europe, the very best different to True Traveller now we have discovered is World Nomads. We used them on our year-long around the world journey in 2008 and the one purpose that we now not do is that they’re dearer than True Traveller.
The journey that I used for example above would value £425 with World Nomads for his or her most cost-effective Normal plan, £125 dearer than True Traveller. You can also’t cut back the surplus (£100 for medical bills). That mentioned, World Nomads protection is extra intensive, so if you happen to want the extras (larger medical protection and many others.), they’re choice and it’s all the time value getting a quote.
World Nomads has most of the similar advantages as True Traveller. You should purchase a coverage whereas travelling, you don’t want a return ticket, they cowl adventurous actions, and you may make claims on-line. We’ve many mates who use them they usually get wonderful critiques and are thought of by many to be the very best journey insurance coverage for backpackers.
Click on right here to get a quote from World Nomads.
Get a True Traveller Insurance coverage Quote
In case you are from Europe I extremely advocate True Traveller insurance coverage. Their web site is very easy to make use of and you may mess around with the totally different choices to search out probably the most reasonably priced cowl that meets your wants.
Click on right here to get a quote from True Traveller.
Which backpacker journey insurance coverage do you advocate? Have you ever made any claims with True Traveller or World Nomads? We’d love to listen to about your experiences—go away a remark under.
Are you planning your travels for 2018? See our Journey Assets web page for our favorite instruments and kit that can assist you plan the proper journey.