Discover the Best Backpacker Travel Insurance for 2024

I’m a big fan of backpacking and have been traveling the world for over seven years. Getting the right travel insurance is very important to me. My most valuable things are my bag and camera gear, and I need to know that they’ll be safe if something happens. I also want insurance that covers medical situations, trip cancellations, and other problems that might come up while I’m away for a long time. Read below about “Discover the Best Backpacker Travel Insurance for 2024”.

I’ve looked at a lot of different plans over the years and found the best backpacker travel insurance for 2024. There is an affordable coverage for everyone, whether you’re planning a short trip for one week or an extended trip for six months. These are my top picks:

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WorldNomads

When I need travel insurance, I always go with WorldNomads. Their Explorer plan is meant for long trips across international borders that last up to a year.

These are some of the main benefits:

Protects up to $3,000 worth of personal items, such as electronics. One time, my camera got broken while I was hiking in Peru, and WorldNomads quickly and easily paid me back.
Up to $300,000 in medical care. Important in case you get sick or hurt while traveling. When I broke my arm rock climbing in Thailand, I used this perk.
24 hours a day, 7 days a week, a world emergency helpline
The freedom to change your times and locations as needed
The prices are reasonable, especially for longer trips. It only cost me $600 for six months of service.

Even though WorldNomads isn’t the cheapest, the peace of mind that comes with its full coverage and great customer service makes it worth the cost. In 2024, I’ll still use them for all of my long trips.

IMG GlobalTrip

If you want travel insurance that doesn’t break the bank, IMG GlobalTrip is a great option. Patriot Travel Medical Insurance starts at just $1.12 a day for trips of 5 days to 1 year.

Important perks are:

Up to $50,000 in medical care for sickness or injury
24 hours a day, seven days
Up to $250,000 in coverage for medical removal in case of emergency
Being able to change your plans if your trip lasts longer
Options with low deductibles ($0, $100, $250, or $500)

The main problem is that there isn’t much covering for lost items or cancelled trips. That being said, IMG GlobalTrip is a great deal for basic medical safety while backpacking. I used them during a three-month trip through Europe and was very happy with them.

Wing Safety

SafetyWing is a great option for digital travelers and people who work from home. They have a plan called “Remote Work” that covers up to $250,000 in medical bills and up to $3,000 in computers, phones, and other personal items.

Important pros:

Coverage can be renewed up to three times for a total of twelve months.
Some insurers don’t cover high-risk hobbies like riding a scooter.
Extra benefits, such as telemedicine consults and lower prices on prescription drugs
Can be bought by people who aren’t US citizens or who live abroad

Last year, I used SafetyWing while backpacking and working from home in Southeast Asia. It was very affordable at $37 a month, and I had no trouble getting my claims accepted. Digital travelers should definitely read this.

Seven Corners

Seven Corners has two good choices for backpacker insurance. Their Liaison plan is best for trips that last between one and thirty days. For just $1.25 per day, it covers up to $25,000 in medical costs and $500 in lost or stolen items.

While their RoundTrip Choice plan covers up to 364 days and up to $50,000 in medical costs, it’s better for longer trips. This worked great for my three-week trip through Europe.

Important benefits:

Deals with dangerous hobbies like skydiving, bungee jumping, and more
No reason to cancel; upgrade is offered
Good for US people going to other countries

Even though it costs more than some other options, Seven Corners is a reputable company that provides good security. If you want extra peace of mind, this is something to think about.

How to Get the Best Insurance for Backpackers

Here are some tips I’ve learned over the years that will help you find the best policy:

Get full coverage like WorldNomads for trips that last more than a month.
For short trips, simple health insurance plans like IMG GlobalTrip does a good job.
SafetyWing is the best app for people who work or live abroad.
Find the right coverage by comparing limits on technology, sports gear, and medical care.
Always read the small print about things like cancellations, pre-existing cond
itions, and so on.
If your plans might change, think about canceling the upgrade for any reason.
Shop early; insurance bought at the last minute often cost more.