Backpacker Insurance Australia – After years of spinning that globe that’s been sitting on your desk round and round, you’re finally doing it. You’re doing what you’ve wanted to do since you were a little kid, you’re going backpacking in Australia.
Australia attracts travellers from all over the world, making it one of the most popular destinations for backpackers.
With Its warm summers, phenomenal beaches, and countless adventure activities, it isn’t hard to see why.
It’s finally time for you to visit this wonderful part of the world, and you’ve planned every little detail, from the hostels you’re staying in, to the incredible spots you’re going to see while you’re there.
Not only that, but you’ve got the perfect traveller’s backpack that’ll allow you to take all your prized possessions.
One very important detail though is backpacker insurance.
If this is something you haven’t thought about, then here’s some information as to what exactly it is, why it’s essential, and how to find the best one for you.
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What Is Backpacker Insurance Australia?
Backpacker insurance Australia is a kind of cover that is specifically for people who are going to travel for a long period of time. It is also known as extended trip insurance.
It doesn’t matter if you have just graduated from high school, or you’re a middle-aged person who’s going on an adventure, everyone needs some kind of insurance.
This kind of insurance differs from regular insurance as it is intended to cover you in multiple destinations.
Some types of backpacker insurance also cover you for adventure activities. This is something that you are likely to take part in as a backpacker in Australia.
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Why Should I Get Backpacker Insurance?
Whether you’re backpacking through Australia, Africa, Asia, or anywhere else in the world, it is critical that you take out insurance that is going to cover costs in the event of an emergency.
Backpacking is not like a normal vacation. People on these trips are usually away for a longer period of time, so backpacker insurance usually covers the following:
- Lost luggage: You are likely to be traveling quite a bit throughout your time, and the risk of losing luggage is higher when you are constantly on connecting flights.
- Cancellation or curtailment: In relation to the above point, you may be flying quite frequently, so it is best to find a cover that’s going to help you out in case of any cancellations.
- Delays and missed departures: In case of any flights being delayed for reasons such as strikes (these count as insured events), it is worth taking out insurance that would cover you in case of this happening.
- Medical expenses: This will cover the cost of any treatment you need abroad, and in some cases can cover emergency flights back home if needed.
- Extreme sports: It’s pretty likely that you’re going to be taking part in some sports and activities in your time away, especially if you are visiting Australia. Some policies can cover you for these, such as swimming with sharks, scuba diving, bungee jumping, etc.
- Personal liability: This can cover any unintentional injury or damage you can cause while away.
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How Do I Choose One?
There are many insurance companies out there, and choosing the right one can be overwhelming. The first thing you should do is acknowledge what kind of trip you are planning on having.
If you are backpacking for a long period of time, you may find yourself needing to work for a little while to keep the travels going.
In this case, be sure to find a policy that will cover you to work abroad. Be sure to read up on the kinds of jobs that are covered.
As mentioned earlier, Australia is a great place for adventure activities.
If you consider yourself an adrenaline junkie, then be sure to find a policy that will cover the activities you’re planning on doing.
You don’t want to find yourself injured from an activity that your insurance doesn’t cover, so do your research.
Insurance companies will have a list of the activities that they cover.
Some will include hazardous activities for an additional fee, if this is something you think you’ll take part in, then it is best to spend the money.
There are many comparison websites that will allow comparing quotes from different insurance companies, but these will only include companies that have registered to that website.
It is best to take your time and research each one individually, and we recommend calling them up, so you can ask all the questions you need.
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A Few To Get You Started
To make your search a little less stressful, we’ve included a couple of insurance companies that you can take a look at:
Safety Wing/ Nomad Insurance
This company is available to anyone in the world when travelling. It covers any medical necessities such as emergency dental services and ambulance services.
It also covers any travel disruptions, including natural disasters and lost luggage, and also includes personal liability. It does not, however, include any hazardous activities.
See their website for specific prices and quotes.
This reputable company includes a variety of covers, such as emergency medical insurance, loss and theft, and 200 adventurous activities from skiing and snowboarding, to scuba diving and zip-lining.
This company has a standard plan, and an explorer plan, so if you’re more likely to engage in some more extreme activities, then the explorer plan would be best suited for you.
See their website for specific prices and quotes.
Final Thoughts on Backpacker Insurance Australia
Planning a backpacking trip is very exciting, but booking an appropriate insurance policy is a step that cannot be missed.
As a backpacker, it is understandable that you are trying to keep all costs at a minimum, but it is worth putting some money aside for some backpacker insurance, or you could end up spending way more money if an accident were to happen.
It is important to choose the right policy for you, one that includes a variety of activities if that is what you are interested in, and one that will cover you for work, especially if it is going to be a long trip.
You may not have initial plans to work, but once you are out there, you may find yourself wanting to stay in a certain part of the country for a longer period of time, meaning you’ll need some income to support yourself.
It is always best to be safer than sorry. Safe travels!
Choosing the Best Backpacker Insurance Australia in