Hello, can anyone recommend any good travel insurance companies for backpackers as there seems to be so many of them out there.
They obviously need to be good value but still comprehensive.
Plus does anyone just have advice on the subject as well!!
I suppose this only applies to the UK.....or maybe not!!!
World Nomads' insurance is one I've used several times. Good coverage for a backpacker and at a very reasonable price. www.worldnomads.com.au
There are some things that travel insurance policies include that aren't so necessary for the budget traveller I feel. For instance, a more expensive insurance might allow you to claim expensive items. The thing is, most backpackers don't have many expensive items on them, so it wouldn't be a problem having that limited to about $300 per item (depending on how much your camera is worth and how much you're willing to lose).
The one thing that is REALLY important is the medical coverage. I could take or lose almost anything else on those insurance policies, but going to hospital can be hideously expensive and NEEDS to be covered appropriately. If you're going to the US for example, it needs to be a very high limit indeed, as their medical costs are ridiculously high.
It's also worth checking the excess on these policies. Cheaper policies always have an excess, whereas you could be paying quite a lot extra to get rid of that excess. I don't mind having an excess, because I'm not about to claim anything minor anyway. It would be too much hassle. Like I said, I'm only REALLY concerned about the 1000s of dollars that a medical procedure might cost.
Whatever you do, be sure to read the policy carefully (I know it's boring, but you NEED to know the stipulations)!
I will check out that address. I assume it doesnt matter that its a aus site & we are from UK.
Nah, they've got prices for Brits as well. They used to say that you had to either be travelling from Australia to somewhere else, OR travelling to Australia from somewhere else. Last time I spoke to them though, it seemed that this rule had been changed. I also see that they have a 'PLUS' insurance if you have expensive items with you, like a camera worth more than $250. Didn't check the prices on that though. As always, be sure to check the policy you choose carefully!!! My main consideration is always the medical coverage though, and it needs to be particularly high if heading to the US. I could take or leave most of the other items.