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.
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).
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).
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.
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.
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.
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.
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.
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.
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.