A budget backpacker sitting on a mountain looking into the distance

Posted: six/16/2019 | June 17th, 2019

I’m a backpacker at heart. Even right after traveling the globe for more than a decade, I nevertheless adore to travel low cost, prioritizing experiences more than fancy accommodation and transportation. I nevertheless adore staying at hostels, meeting locals, and sampling as a lot of nearby delicacies as I can.

Contrary to preferred belief, becoming a backpacker is not about pinching each and every penny — it is about acquiring worth. If you want to have a genuine and genuine trip without having breaking the bank you need to have to commit your revenue wisely.

And when it comes to backpacking about the globe, a single of the wisest options you can make is to buy travel insurance coverage.

I know, travel insurance coverage appears like just a different expense that will chip away at your spending budget. I applied to feel that also.

But it also has the possible to save you thousands of dollars ought to some thing go incorrect on your trip.

And right after traveling about the globe for the previous 10 years, I can confidently inform you this: issues will go incorrect.

To aid you keep protected on your subsequent trip, right here is almost everything you need to have to know about acquiring insurance coverage as a backpacker.

Table of Contents

  1. Why Do Backpackers Need to have Insurance coverage?
  2. What Does Travel Insurance coverage NOT Cover?
  3. The Greatest Backpacker Insurance coverage Organizations

Why Do Backpackers Need to have Insurance coverage?

The cause you need to have to acquire travel insurance coverage is since accidents take place. Regardless of regardless of whether you are at property or abroad, issues go incorrect. At property, you probably have access to health-related care and reputable health-related facilities.

On the road, that is not constantly the case.

Though significant injuries are uncommon, they do take place. And it is constantly improved to be protected than sorry. But insurance coverage is not just for health-related emergencies. It also covers a lot of incidents that are significantly extra widespread than you feel!

Here’s a swift overview of what you can anticipate your backpacker insurance coverage to cover:

  • Health-related emergencies (surgery hospitalization charges, health-related evacuation)
  • Flight delays and cancellations
  • Trip cancellations (due to injury or a death in the family members)
  • Emergency evacuation (due to injury or organic disaster)
  • Dental emergencies
  • Lost or stolen baggage
  • Broken or stolen gear
  • Death overseas

Though it is unpleasant to commit time dwelling on these issues, the truth is, you need to have to be ready for the worst. Hopefully, you will under no circumstances need to have to use your insurance coverage program, but if you need to have to, you want to make certain you have the coverage you need to have.

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I’ve had my bags stolen, I’ve required to go to the hospital overseas, and I was even stabbed although traveling in South America.

I didn’t program for any of these issues to take place, but when they did, I was glad I had insurance coverage to aid me get reimbursed as nicely as to aid me navigate the confusion that comes with getting an emergency abroad.

I know, as a backpacker you like to maintain expenses low. Insurance coverage is not cost-free, right after all, which tends to make it look like a burdensome and unnecessary expense.

But it is significantly improved to spend a handful of bucks a day than danger losing your life savings ought to an emergency happen although you do not have coverage.

What Does Travel Insurance coverage NOT Cover?

Though most travel emergencies and injuries are covered by travel insurance coverage, it is essential to know what is not covered by your program. Expertise is energy, right after all.
For reference, most backpacker insurance coverage policies do not cover:

  • Accidents sustained although participating in intense adventure activities. These generally contain hang-gliding, paragliding, or bungee jumping.
  • Alcohol- and drug-connected incidents.
  • Carelessness or negligence.
  • Pre-current circumstances or basic verify-ups.
  • Stolen money (unless you spend for a extra extensive program)
  • If civil unrest tends to make your location unsafe but your government hasn’t referred to as for an evacuation, you most likely will not qualify for evacuation (unless you have extra sophisticated coverage from a enterprise like Medjet).
  • Altering your thoughts about your trip or unfriending or breaking up with your travel companion will disqualify you from trip-cancellation coverage.
  • Pre-current health-related circumstances do not qualify for most trip cancellation plans unless otherwise stipulated.
  • If your visa to a location is refused you will not be reimbursed if you choose to cancel your trip.

The Greatest three Backpacker Insurance coverage Organizations

To aid you keep protected on your subsequent trip, right here are some recommended providers that give inexpensive insurance coverage for backpackers:

1. STA Travel Insurance coverage
STA is an on the internet travel agency that is identified for their flights and travel packages — but they offer you inexpensive travel insurance coverage also for students as nicely.

STA sells fundamental, spending budget-friendly coverage for students and teachers who travel, with plans beginning as low as $99 USD for 1 year. If you are a student and a spending budget backpacker who is only seeking for the most fundamental of coverage, STA is the enterprise for you.

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Here’s a swift overview of STA Travel Insurance coverage:

  • Price range-friendly plans
  • ISIC card advantages in more than 125,000 places
  • Simple coverage possibilities
  • Wonderful for students/shoestring backpackers.

Click right here to get a quote from STA.

two. Insure My Trip
Insure My Trip assists you examine insurance coverage plans and costs so you can buy the program that is very best for you and your spending budget. You can examine plans from nearly 30 unique insurance coverage providers, with a lot of spending budget-friendly possibilities out there for backpackers.

And they are the go-to enterprise for older backpackers as nicely because a lot of travel insurance coverage providers will not cover travelers more than 65. Insure My Trip supplies comparisons from insurance coverage providers that cover older travelers, generating them the very best selection for retirees and other senior adventurers.

Here’s a swift overview of Insure My Trip:

  • Assured low costs
  • Coverage for senior travelers more than 65
  • “Anytime advocates” ask the insurer to give your claim a second appear if you feel it was unfairly denied.

Click right here to get a quote from Insure My Trip

OUR Prime Choose: Globe Nomads Travel Insurance coverage
Globe Nomads is the absolute very best insurance coverage enterprise for spending budget travelers. I’ve been utilizing them for more than a decae and have under no circumstances been disappointed with their consumer service or coverage. Their plans are extensive and wonderful for each extended-term travelers as nicely as anybody heading out on a shorter getaway. It is straightforward to study (and comprehend) their policies and see what’s covered — and what is not.
Greatest of all, if you want to study extra prior to you buy or have concerns right after you sign up, their consumer help is there to aid.

Globe Nomads is fantastic for adventurous backpackers who program to do activities like hiking, kayaking, or even some intense sports like bungee jumping or rock climbing. With 100 unique activities covered, Globe Nomads is the very best decision for the active backpacker.

To aid you study extra about Globe Nomads, here’s a swift overview of their coverage:

  • Emergency health-related and dental coverage
  • Coverage for trip cancelations, delays, and interruptions
  • Baggage protection
  • Emergency evacuation (for health-related emergencies and non-health-related emergencies such as organic disasters)
  • Health-related transportation
  • 24/7 consumer help

Globe Nomads was founded by backpackers so they know precisely what the spending budget traveler requires in their program. This is my go-to insurance coverage enterprise and a single I’ve been utilizing for years. If it sounds like the enterprise for you, you can use the widget under to get a quote:

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(Want to study extra? Verify out my extensive Globe Nomads critique!)


Soon after backpacking about the globe for more than a decade, I under no circumstances leave property without having travel insurance coverage. I’ve skilled initial-hand how valuable it can be. It is saved me thousands of dollars more than the years — as nicely as numerous headaches also.

Not only that, but acquiring travel insurance coverage supplies peace of thoughts. It provides you and your family members a security net in case issues go incorrect. No matter whether you are island-hopping in Thailand or receiving off the beaten path in Eastern Europe, travel insurance coverage will be there when you need to have it.

Becoming a backpacker is all about getting astounding, memorable travel experiences all without having breaking the bank. And there’s no improved way to insulate your self from high priced (and unnecessary) expenses than by acquiring travel insurance coverage.

Book Your Trip: Logistical Strategies and Tricks

Book Your Flight
Uncover a low cost flight by utilizing Skyscanner or Momondo. They are my two preferred search engines since they search sites and airlines about the globe so you constantly know no stone is left unturned.

Book Your Accommodation
You can book your hostel with Hostelworld as they have the biggest inventory. If you want to keep someplace other than a hostel, use Booking.com as they regularly return the least expensive prices for guesthouses and low cost hotels. I use them all the time.

Do not Overlook Travel Insurance coverage
Travel insurance coverage will guard you against illness, injury, theft, and cancellations. It is extensive protection in case something goes incorrect. I under no circumstances go on a trip without having it as I’ve had to use it a lot of instances in the previous. I’ve been utilizing Globe Nomads for ten years. My preferred providers that offer you the very best service and worth are:

  • Globe Nomads (for every person under 70)
  • Insure My Trip (for these more than 70)

Hunting for the very best providers to save revenue with?
Verify out my resource web page for the very best providers to use when you travel! I list all the ones I use to save revenue when I travel – and that will save you time and revenue also!