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Why True Traveller Insurance coverage is the Finest Backpacker Insurance coverage

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Horse riding on Noordhoek Beach and a True Traveller insurance review

Journey insurance coverage is important for any journey overseas. Though it’s unlikely that something will go mistaken, it’s essential to be lined as a critical accident or sickness might find yourself costing you a fortune. For the previous 5 years we’ve been utilizing True Traveller insurance which is one of the best backpacker insurance coverage we’ve discovered.

True Traveller insurance coverage is just accessible for UK and EU residents, so should you’re from some other place we advocate World Nomads as an alternative—extra particulars on that beneath.

Right here’s why we predict True Traveller is one of the best long run journey insurance coverage.

Versatile

True Traveller was initially an journey journey firm—their insurance policies are designed by travellers for travellers and it reveals. 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 may:

  • Purchase travel insurance when you are 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 ultimate should you neglect to purchase insurance coverage or your coverage expires and it’s worthwhile to renew.
  • Journey with a one-way ticket – Not like most insurance coverage firms, True Traveller covers you should you don’t know if you’ll be returning residence (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 spot 12 months, 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 normal.
  • Select the quilt you actually need – This will dramatically scale back the price of your coverage (see beneath).

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 good for long-term travellers, it’s nice for brief journeys too. You should buy cowl for a single journey or doubtlessly lower your expenses 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).

Inexpensive

True Traveller insurance is one of the best worth journey insurance coverage we’ve discovered. It is because they permit you to tailor the coverage to swimsuit you. You possibly can select essentially 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 actually need. 

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 cannot insure people who find themselves over 65 years outdated.

It’s very straightforward to get a quote on the homepage of the True Traveller website. Under is the quote I bought—£300.12 for a one 12 months True Worth worldwide coverage (together with the US).

Getting a quote for True Traveller backpacker insurance

Getting a quote on the True Traveller web site

A quote from True Traveller insurance, the best backpacker insurance provider for UK and EU residents.

The three quotes I used to be given by True Traveller for a one 12 months worldwide journey. We often select the True Worth backpacker insurance coverage.

When you exclude the US and Canada, you’ll save a substantial quantity—£50 on this quote. On journeys over six months, you may spend 14 days within the US with out paying further. 

You possibly can see the totally different ranges of protection above. Traveller and Traveller Plus provide increased ranges of protection and smaller excesses (the quantity you pay of any declare). We often select the fundamental True Worth coverage as our most important concern is medical bills and repatriation and £2.5 million cowl is loads.

I like to recommend paying barely extra—about £40 a 12 months on my quote—to scale back the surplus to £zero. Now we have not carried out this earlier than, however prior to now 12 months we each went to the docs and ended up spending over £100 every so this could have saved us cash.

Actions

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 typically do like horse driving, motorcycling (underneath 125cc), kayaking, biking, white water rafting, crusing, browsing, and plenty extra. You too can add winter sports activities cowl.

Just some of the activities included as standard in the True Traveller insurance policy

Simply a number of the actions included as normal

Baggage

For the True Worth coverage baggage isn’t mechanically included however you may add it. We don’t trouble because it solely contains valuables as much as £200 whole (£100 per merchandise) and our non-electronic gadgets aren’t price a lot.

You too can select so as to add electronics individually, however the worth restrict of £450 per merchandise (or £750 with Traveller Plus) shouldn’t be sufficient for our laptops and digital camera. Sadly, we haven’t discovered choice for long-term worldwide electronics insurance coverage, so our gadgets are uninsured and we be sure we have now sufficient financial savings to exchange them.

Renewable

When you resolve to journey for longer, you may simply prolong your True Traveller coverage (earlier than the expiry date) and get a 10% low cost. Even should you 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 take a look at of any insurance coverage is how straightforward it’s to make a declare. Final 12 months 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 it’s important to obtain the declare kind from their web site and return it inside 60 days of the incident. Ensure you hold any receipts and physician or police reviews.

I needed to go to the physician in Bali on two events about ongoing abdomen issues and so they did numerous exams to search out out what was mistaken and prescribed antibiotics. The full value wasn’t an enormous quantity over my £125 extra, however it was price placing in a declare anyway. As I mentioned above, in future I’ll pay a little bit further to scale back the surplus to zero.

The claims kind was a little bit intimidating at first, however it was easy 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 electronic mail together with scanned copies of the physician’s report and receipt and my certificates of insurance coverage. Scanning was straightforward with the Notes app on our iPhone or you might simply take a photograph.

Claims are presupposed to take as much as 10 working days however two days later I obtained an electronic 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 straightforward and fast making a declare was. I used to be additionally happy that they hadn’t quibbled over the truth that the physician had bought my date of delivery mistaken on my report. My declare was a small one, a lot bigger claims could also be tougher, however True Traveller has glorious evaluations on Belief Pilot and I really feel assured persevering with to make use of them.

World Nomads: The Finest Different to True Traveller for Non-EU Residents

In case you are not from Europe, one of the best different to True Traveller we have now discovered is World Nomads. We used them on our year-long around the world journey in 2008 and the one motive that we not do is that they’re costlier than True Traveller.

The journey that I used for example above would value £425 with World Nomads for his or her least expensive Commonplace plan, £125 costlier than True Traveller. You can also’t scale back the surplus (£100 for medical bills). That mentioned, World Nomads protection is extra intensive, so should you want the extras (increased medical protection and so forth.), they’re choice and it’s all the time price getting a quote.

Getting a quote from World Nomads for backpacker insurance

Getting a quote from World Nomads

My quote from World Nomads for backpacker insurance for a one year worldwide trip

My quote from World Nomads for a one 12 months worldwide journey

The two plans World Nomads offer - Standard and Explorer.

The 2 plans World Nomads provide – Commonplace and Explorer.

World Nomads has most of the similar advantages as True Traveller. You should buy a coverage whereas travelling, you don’t want a return ticket, they cowl adventurous actions, and you may make claims on-line. Now we have many buddies who use them and so they get glorious evaluations and are thought-about by many to be one of the best journey insurance coverage for backpackers.

Click 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’ll mess around with the totally different choices to search out essentially the most inexpensive cowl that meets your wants.

Click 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—depart a remark beneath.



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Digital NomadsKoh PhanganThailand

Our Digital Nomad Life on Koh Phangan

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Digital nomad life on Koh Phangan in Thailand - sunset at Hin Kong Beach

Residing by the seaside is a dream for a lot of digital nomads, but it surely’s not at all times simple to discover a appropriate place. WiFi may be too sluggish, lodging too costly, or small islands simply too distant for longer stays.

In SE Asia the most effective seaside vacation spot we’d beforehand discovered for working was Koh Lanta in Thailand, which was the right mixture of comfort with out an excessive amount of growth. Discovering reasonably priced leases with a kitchen isn’t simple, although, and on our newest journey we wished to attempt a distinct island.

My first alternative was Koh Tao which is well-liked for long-term stays with many bloggers like Alex in Wanderland. As we had been initially solely planning a four-week keep (after getting into the nation on a one-month visa exemption), to make issues simpler I wished to hire a home or condominium on Airbnb, despite the fact that I knew it might be dearer than discovering a spot as soon as we arrived.

Sadly, Airbnbs on Koh Tao had been restricted and costly so I broadened my search to different islands within the Gulf of Thailand. Koh Samui appeared too developed, so I checked out Koh Phangan as a substitute—the medium sized island that’s only a 30-minute ferry experience from Samui so handy for the airport there. Koh Phangan had much more alternative on Airbnb from low-cost and fundamental to fancy seaside homes.

We ended up reserving a Thai-style wooden house throughout the street from Hin Kong seaside and that’s the place we’ve been dwelling for the final month or so. It’s not low-cost (about £600/ $800 a month) but it surely’s a lot nicer than the usual Thai leases. Our landlords really lived right here so the home is well-equipped and there are many homely particulars like cushions and throws. The WiFi is the quickest we’ve ever had in Thailand (30 Mbps down/ 11 Mbps up) and most eating places have good WiFi too (plus there are some co-working spaces if that’s your factor).

Better of all is the large terrace the place I’m scripting this now from the cozy couch (one other rarity in Thailand). I’m surrounded by timber and have a view of the ocean. There’s loads of house for yoga, a hammock and cushion chairs for stress-free, and a desk for meals.

Our Airbnb house on Koh Phangan

Our Airbnb home on Koh Phangan

Our Airbnb house on Koh Phangan

Our terrace

Sadly, the seaside throughout the street is simply too shallow for swimming, but it surely’s good for morning runs and spectacular sundown walks out on the sandbar. Simply being by the ocean feels calming.

Hin Kong Beach, Koh Phangan

Hin Kong Seashore

The calm water of Hin Kong beach on Koh Phangan on my morning run

The calm water of Hin Kong on my morning run

Dogs on Hin Kong beach at sunset on Koh Phangan

Canines on Hin Kong seaside at sundown

There are many different pretty seashores to discover. We love heading out on our bike (which you really want to get round because the shared taxis are rare and overpriced) and driving alongside the quiet, inexperienced west coast with hills on one aspect and sea on the opposite.

Our nearest place for a swim is Zen Seashore the place we calm down beneath a palm tree on the powdery sand and float within the blue-green water. We’re slowly working our means across the seashores on the island, however work and rain (it’s wet season on this a part of Thailand) have meant we haven’t explored as a lot as we’d like.

Zen Beach on Koh Phangan

Zen Seashore 

Zen Beach on Koh Phangan

The opposite finish of Zen Seashore

Haad Salad beach on Koh Phangan

Haad Salad seaside

Koh Phangan is an island I had beforehand averted as a result of it’s well-known for its full moon events the place 20-something backpackers get wasted on the seaside, and that’s actually not our factor. However the events solely occur as soon as a month on Haad Rin seaside and they’re simple to keep away from. We’re on the other aspect of the island, a few 30-minute drive away close to the quiet village Sri Thanu which is thought for yoga studios and vegetarian eating places. It’s very chilled and we’ve been dwelling a blissfully quiet life.

Mason's Arms pub on Koh Phangan

For Simon’s birthday we went to this weirdly misplaced English pub

Minigolf on Koh Phangan

And performed minigolf!

Like Koh Lanta, Koh Phangan has the best mixture of comfort with out being too developed. There are supermarkets in the primary city Thong Sala, good WiFi, and homes for hire, however no purchasing malls or large motels like on Samui.

The island has been an incredible place to compensate for work (I’ve been writing about Japan and Simon has been redesigning this web site) with seaside breaks when wanted. We determined to increase our keep to seven weeks and had been simply capable of get a one-month visa extension on Koh Samui, a visit we mixed with a cinema go to and scrumptious Italian meal at Duomo in Chaweng. 

Sunset on Hon Kong beach, Koh Phangan

Sundown on Hin Kong seaside. There are just a few eating places on the sand the place you’ll be able to benefit from the view.

The one draw back (apart from the rain at the moment of yr) is that we’ve discovered the meals a bit meh as soon as we acquired over the preliminary novelty of Thai meals once more. Maybe we’ve been spoilt by our latest stays in Japan and Ubud, although.

There are some good locations (in Sri Thanu Bee’s for Thai, Taboon for Center Japanese, and Crave for veggie burgers are our favourites), however we’ve additionally had a variety of common meals, particularly on the vegetarian and vegan eating places. At the very least it’s simple to keep away from meat right here as most eating places have vegetarian choices. There’s a produce store in Sri Thanu so we’ve been benefiting from a budget greens, rice noodles, and tofu and cooking for ourselves.

We depart Koh Phangan in just a few days for our street journey round Oman, but it surely’s someplace we’ll positively take into account visiting sooner or later—ideally within the dry season and when we now have extra time to discover. It’s ideally suited for digital nomads who’re in search of a spot to work by the ocean with good WiFi and reasonably priced home leases.

Sunset at Hin Kong Beach, Koh Phangan

Sundown at Hin Kong

Koh Phangan Practicalities

  • To get to Koh Phangan from Koh Samui Airport (which has frequent flights from Bangkok with Bangkok Airways) take the 30-minute Seatran ferry. Tickets on the airport price 400 baht ($12) together with the 10-minute minibus switch to the Bangrak pier. There’s no must e-book prematurely until you might be arriving inside just a few days of the full moon party
  • If you wish to hire a home prematurely look on Airbnb
  • For the most cost effective leases wait till you get to the island. There are many indicators for homes to hire or you’ll be able to look on the Koh Phangan Conscious Community Facebook group (the general public group, not the closed group that doesn’t permit rental listings). I’ve seen locations from 8000 baht ($244) a month. 
  • For top-quality leases contact Rachel at Koh Phangan House & Villa Rentals. She rented us the place we stayed and was very useful and organised. Her month-to-month charges begin from about 10,000 baht ($305). 
  • We rented our automated scooter from a motorcycle store known as Tik in Sri Thanu. It price 3000 baht ($92) a month for an previous bike and we left a 3000 baht deposit (most locations need you to depart your passport which I don’t advocate). 

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Wondering what it's like to live in Thailand for a bit? Here's our digital nomad guide to Koh Phangan.



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AppsDigital NomadsPacking TipsTrail Wallet

A New Replace of Our Path Pockets Journey Price range App!

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Three screenshots of Trail Wallet showing the new daily summary screen, the photos screen, and the History screen.

We’re excited to announce the discharge of the newest model of our top-rated journey expense monitoring app, Trail Wallet!

Tim Prepare dinner calls it “presumably the best journey app our platform has ever seen, and I might know. I’ve seen all of the apps.”

(OK, so possibly he didn’t write this wherever or say it out loud ever, however everyone knows he’s in all probability considering it.)

Path Pockets three.four provides a serious new characteristic that has been on the prime of the request checklist for a protracted, very long time—picture assist!

Lots of you emailed, left opinions, instructed me in individual, despatched service pigeons, used semaphore flags, threw bricks with notes by way of my home windows to ask for the power take photographs of receipts and retailer them alongside your entries, and now, lastly, you may!

You see? I do pay attention! Ultimately!

(There are a complete bunch of boring technical causes, in addition to a complete bunch of marginally extra thrilling existential causes, as to why it took me so lengthy however I received’t go into all that right here. Let’s simply say implementing this modified me.)

The photographs are saved in iCloud together with all your different backup knowledge and will be exported together with the CSV recordsdata. Helpfully, the CSV recordsdata have references to the file names so you may match issues up in your pc.

However wait, there’s extra!

Different notable options on this model embody:

  • Tapping on a bar within the bar chart will now take you to a abstract of that day’s spending—one other oft-requested addition.
  • Spreading quantities over many days has been simplified and the crazily cryptic error message has been eliminated.
  • The Historical past display screen now makes it clear which quantities have been unfold out over a number of days by displaying the unique complete quantity in addition to the divided quantity. It makes extra sense while you see it than it does to elucidate it right here.

Help Path Pockets. Extra Than You Already Have, I Imply.

Three screenshots of Trail Wallet from the first version that looks like a hideous grey mess to the current sleek, purple version with bar charts and character faces.

Path Pockets’s improvement through the years. Oh jeez, there’s an enormous Tweet button within the unique within the hopes it could go viral. Oh expensive, no. Ha ha ha, oh wow.

Path Pockets is 5 years old in December and it’s nonetheless getting common updates and large new options. We don’t cost for updates nor will we use subscription pricing, so with the intention to pay for this we continuously want to seek out new customers.

Your fantastic opinions and rankings assist, as do all the non-public suggestions that you just make in bars and hostels around the globe, however if you happen to actually wish to see Path Pockets proceed to develop, then there’s a brand new Small Tip in app buy the place you may throw in an additional greenback (or native equal) to assist fund future improvement (if you happen to’re tremendous beneficiant, then you may preserve hitting that button again and again to present extra ).

This selection is accessible in Journeys -> Settings however will solely seem if you happen to’ve been utilizing the app for a very long time and have greater than 300 quantities.

Regardless of what you might have heard in regards to the app financial system creating teenage billionaires, I’m neither a young person nor a billionaire. Actually, Path Pockets lives on the sting of existence more often than not—it makes barely sufficient to make it worthwhile for me to maintain engaged on it—so any extra monetary assist actually does make a distinction.

However no stress! Our continued love for you is just not contingent on you giving us extra money!

And if you happen to haven’t tried Path Pockets, what are you ready for? You heard what Tim Prepare dinner (possibly) stated—download it today!

New Web site, Who Dis?

You may need observed that we just lately accomplished an enormous replace to our web site. Whereas I nonetheless have numerous love for the 90s Tim Burton aesthetic, the outdated theme was, frankly, starting to look a bit dated.

It’s time for a refresh!

As good as it’s to see our title in lights, we determine that you just’re not right here to see huge headers or large photographs of us and as an alternative wish to get to the juicy destination posts, the tasty vegetarian survival guides, or the cash money pages.

So this theme was redesigned from the bottom as much as be a contemporary, quick, mobile-friendly website that’s all about you, expensive reader, and is concentrated on getting you to the content material you wish to see as rapidly as potential.

With virtually eight years price of content material, we’re nonetheless ironing out the bugs so tell us if you happen to discover any issues!

We hope you prefer it!

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