The 5 Best Travel Insurance Companies

A lone commercial airliner flying over Australia
Last Updated: 6/7/21 | June 7th, 2021

Planning a trip can be a lot of fun: researching amazing bucket-list activities, daydreaming about picture-perfect beaches and epic hikes, booking the cheap flights that will take you to the world’s most amazing destinations. Planning gives you ownership of your trip and lets you imagine all the wonderful adventures you’ll have.

What is significantly less fun (yet equally important) is searching for the right travel insurance plan for your trip.

Reading through the fine print, searching out reviews you can trust, picking the best plan — it can be a little tedious.

It can also be a little overwhelming.

There are hundreds of companies out there, all offering seemingly similar plans. But they all have different prices too. Which one is the best? Which review is right?

To help you figure it all out, I wanted to share my thoughts on the best travel insurance companies on the market. I’ve been backpacking since 2004 and researching companies for a living since 2007. I’ve spent a lot of time reading the fine print. (Have you ever read NY’s insurance compliance laws? Well, don’t.)

To save you time, I’ve compiled a list of the best travel insurance companies. Whether you’re heading south to escape from work or traveling abroad on a round-the-world trip, this list will help you find a company that works for you and your budget.

Table of Contents

  1. Best overall insurance: World Nomads
  2. Second best overall: Safety Wing
  3. Best company for medical evacuation: Medjet
  4. Best company for older travelers: Insure My Trip
  5. Best company for expats: IMGlobal
  6. Honorable Mention: Your travel credit card

 

OUR TOP PICK: World Nomads

World Nomads insurance logoI’ve been using World Nomads since I started traveling. Their plans are comprehensive and perfect for travelers visiting more than one country in a single trip.

This company is great for adventurous travelers who plan to do things like hiking, kayaking, canoeing, and even some extreme sports like rock climbing or bungy jumping. With 200 different activities covered, World Nomads is the best choice for active travelers.

Here’s a quick overview of World Nomads:

  • Emergency medical and dental coverage
  • Coverage for trip cancelations, delays, and interruptions
  • Coverage up to age 69 (depending on where you’re from)
  • Baggage protection
  • Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)
  • Medical transportation
  • 24/7 customer assistance
  • Coverage for some COVID-19 medical costs

Pros

  • Comprehensive customer assistance
  • Tiers for basic and premium coverage
  • Can submit a claim after your trip ends
  • Offers some COVID coverage
  • Everything can be done via the website
  • Trusted by brands like Lonely Planet, Eurail, and Intrepid Travel

Cons

  • Claims paid by check
  • No car rental coverage on the Standard Plan

This is my go-to insurance company and one I’ve been using for years. It was founded by backpackers, so they keep people who travel long-term in mind in their plans and customer service. They also offer the most trip cancellation, interruption, and delay coverage out there — more so than other companies we looked at.

Prices vary based on your age and country of residency, as well as where you’re going and for how long. As a general rule, a one-month policy costs around $120 USD for the Standard Plan. However, that drops to $105 USD for multi-month trips.

While World Nomads is pretty pricey compared to other companies listed here, they cover a lot more things than those companies. With them, really get what you pay for — and that is very comprehensive coverage. That’s why I like them. If you want comprehensive coverage (especially for your get), get World Nomads.

You can use the widget below to get a quote:

 
(Want to learn more? Check out my comprehensive World Nomads review!)
 

Safety Wing

Safety Wing insurance logoSafety Wing is one of the new players in the travel insurance world. It’s a Norwegian startup based out of California that is specifically focused on remote workers and digital nomads.

Here’s a quick overview of Safety Wing:

  • Offers affordable monthly plans with a deductible
  • Plans can be purchased at home before you go or abroad after you’ve departed
  • Claims can be filed online
  • After being abroad for 90 days, you keep your medical coverage for 30 days in your home country
  • Up to 2 children under 10 per family (1 per adult) can be included on your plan free of charge
  • Up to $5,000 USD for trip interruption (with no deductible)
  • Best for digital nomads and frugal travelers

Its plans are cheap but basic. It’s nice that they offer a flat monthly rate (based on coverage and age), but there is a $250 USD medical deductible you’ll have to pay.

Plus, electronics such as phones, laptops, and cameras are not covered, and in this day and age, that’s just crazy. (If the items are checked luggage and are lost/stolen, you can get reimbursed up to $500 USD per item, but who ever checks their expensive items?)

Pros

  • Super affordable
  • Offers some COVID-19 coverage
  • Backed by a single insurance company
  • Covers up to age 69

Cons

  • Expensive deductible
  • No trip cancellation coverage (and only minor trip delay coverage)
  • Payout by check and wire transfer only (no direct deposit)
  • Limited coverage for your gear and adventure activities

Safety Wing is a good option for anyone traveling on a tight budget who just needs basic coverage. If you want some medical coverage, don’t care about your electronics or robust trip cancellation or interruption, and just want an inexpensive plan, Safety Wing is probably best for you.

Monthly plans start at $40 USD per month, plus a $250 USD deductible. If you just want basic “I just want to be covered for the big stuff” coverage, this company is it.

Note: If you will be traveling in the USA, monthly plans cost $73 USD per month.
 

Medjet

Medjet insurance logoMedjet is the premier membership program for medical transportation. Its extensive plans focus on crisis response and emergency transportation, and it has amazing staff on hand to help you through it all.

While many insurance companies will just evacuate you to the nearest hospital in an emergency, Medjet goes above and beyond to ensure that you’re repatriated (i.e. sent back to the country you live in) and not stuck in a foreign medical facility away from your friends and family.

There are both short-term and annual plans, too, so no matter what your travel plans are, you’ll be able to find the affordable coverage that you need.

Here’s a quick overview of Medjet:

  • Extensive medical transport coverage that will get you home
  • Allows you to determine to which medical facility to be moved
  • Does not require government-issued warnings to initiate evacuation
  • Medical transfer available in the US as well as abroad
  • Limited time spent in foreign medical facilities
  • Both short-term and annual plans
  • Available for residents of the US, Canada, and Mexico

Pros

  • Will get you home (not just to the nearest “acceptable” medical facility)
  • Affordable annual plans
  • Two tiers of coverage: basic and premium plans
  • Offers some coverage for COVID-19
  • Offers coverage up to age 74 (with potential extended coverage to 84)

Cons

  • Only available to North American travelers (US, Canada, Mexico)
  • No trip cancellation, trip delay, or baggage coverage

Medjet is the perfect company for anyone looking to avoid time spent in foreign medical facilities should an emergency or crisis occur. It’s a great supplement to more basic travel insurance plans, especially if you’re worried about being transportated home.

Annual plans start as low as $295 USD per person.
 

Insure My Trip

IMT insurance logoInsure My Trip isn’t actually an insurance company that issues its own plans. Rather, it recommends plans and helps you compare prices so you can buy the plan that’s best for you. Think of it as a Skyscanner but for travel insurance.

With Insure My Trip, you can compare plans from 23 different insurance providers. It’s a great company for senior travelers since many of the providers on the service offer coverage for those over 65. Moreover, they offer “cancel for any reason” insurance, so, if you cancel your trip for any reason, even ones not listed under regular policies, you’ll get a percentage of your trip back.

Here’s a quick overview of Insure My Trip:

  • Guaranteed low prices
  • Coverage for senior travelers over 65
  • “Anytime advocates” ask the insurer to give your claim a second look if you think it was unfairly denied.
  • Comparisons from 23 different companies to ensure you get the best plan
  • Accommodation coverage if quarantined at your destination
  • Reviews of each policy so you can see what other travelers are saying
  • Coverage for travelers on cruises

Pros

  • Tons of plans available
  • Options for senior travelers
  • Assistance with denied claims
  • Offers “cancel for any reason” plans

Cons

  • Since it’s is a third-party service, you’re dealing with a middleman.

Since Insure My Trip is an aggregator, prices will vary based on your trip destination, country of residency, and travel plans.
 

IMGlobal

IMG insurance logoIMGlobal provides insurance plans that are more akin to your standard US health insurance. It has comprehensive coverage for long-term travelers, plans for non-US citizens, and affordable plans for visitors to the US as well. Its plans cover single- and multi-destination trips.

I think this company is the best for expats and long-term travelers looking for a robust insurance plan that covers regular doctor visits, medication, and other routine care. Most travel insurance plans are emergency care plans, whereas IMGlobal is there for the everyday visits and the emergencies.

They offer three plans for US residents and three for non-US residents. (If you’re coming to the US, your plan also covers COVID coverage.)

Pros

  • Plans for students business travelers, and immigrants
  • Available for non-US citizens
  • Can make claims even after your coverage ends
  • Can choose your own coverage limits
  • Available with deductibles or not — it’s your choice
  • Certain acute pre-exisiting conditions are covered up to age 69
  • Up to $10,000 USD for trip interruption

Cons

  • Minimal coverage for lost/damaged baggage
  • No trip cancellation coverage
  • No coverage for rental cars on their main travel plans

Plan prices vary a lot since you can choose your coverage as well as your deductible (your out-of-pocket expense before the plan covers everything). You can pick coverage from $25,000 USD to $8,000,000 and deductibles from $0 to $25,000. The lower the coverage and higher the deductible, the cheaper price will be.

For a standard policy with $100,000 coverage and no deductible, you’re looking at $45 USD per month. This policy would be comparable to SafetyWing, but less comprehensive than World Nomads. For something with more coverage, expect to spend at least $75 USD per month.
 

Honorable Mention: Credit Card Coverage

While not the most comprehensive, many travel credit cards include some degree of travel insurance. Coverage is often limited and might only apply to trips or items purchased with the card. And there may be limited dates of coverage too.

However, something is better than nothing!

That said, while it can be tempting to go for a free insurance plan from your credit card company, their plans are usually not that comprehensive and have minimal coverage and/or limited compensation. These free plans are best used as supplemental coverage in addition to a plan from one of the companies above.

But it’s always great to have options (especially free ones). Be sure to learn more about the best travel credit cards before your next trip (you’ll have to read the fine print).

Note: If you’re traveling with a lot of expensive gear and electronics and want to be sure you’re covered, consider a policy from Clements. While its coverage isn’t as convenient to purchase as the companies above (you need to order a quote via email or phone), it has higher coverage available for gear and electronics if you think you’ll need it.

***

Nobody plans on getting hurt when they travel. And in a perfect world, we wouldn’t. But we all know that this isn’t a perfect world.

My bags were stolen when I was traveling in South Africa.

I popped my eardrum while diving in Thailand.

And I was even stabbed while backpacking in Colombia.

Obviously, I didn’t plan for any of these things to happen.

But they did.

And I was lucky I had travel insurance to help me cover the costs. So, before you head out on your next trip, make sure that you’re covered. Invest in your own safety and peace of mind. I promise you, it’s worth the money!
 

How to Travel the World on $50 a Day

Nomadic Matt's How to Travel the World on $50 a DayMy New York Times best-selling paperback guide to world travel will teach you how to master the art of travel so that you’ll get off the beaten path, save money, and have a deeper travel experience. It’s your A to Z planning guide that the BBC called the “bible for budget travelers.”

Click here to learn more and start reading it today!
 

Book Your Trip: Logistical Tips and Tricks

Book Your Flight
Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned.

Book Your Accommodation
You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels.

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

Ready to Book Your Trip?
Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.

The post The 5 Best Travel Insurance Companies appeared first on Nomadic Matt's Travel Site.

The 7 Best Travel Insurance Companies in 2019

A lone commercial airliner flying over Australia
Posted: 6/17/2019 | June 17th, 2019

Planning a trip can be a lot of fun. Researching amazing bucket list activities, daydreaming about picture-perfect beaches and epic hikes, booking the cheap flights that will take you to the world’s most amazing destinations — it’s the fun part of planning. It gives you ownership of your trip and lets you imagine all the amazing adventures you’ll get into.

What is significantly less fun (yet equally important) is searching for the right travel insurance plan for your trip.

Reading through the fine print, searching out reviews you can trust, picking the best plan — it can all be a little tedious.

And if you’re a new traveler, it can also be a little overwhelming.

There are hundreds of companies out there – all offering the “same” plans. They all have different prices too. Which one is the best? Which review is right?

To help you stay safe during your next trip, I wanted to share my thoughts on the best travel insurance companies on the market. I’ve been backpacking since 2004 and researching companies for a living since 2007. I’ve spent a lot of time reading the fine print (have you ever read NY’s insurance compliance laws? Well, don’t.)

To save you time, I’ve compiled a list of the best travel insurance companies. Whether you’re heading south to escape from work or traveling abroad on a round-the-world trip, this list will help you find a company that works for your trip – and your budget.

Table of Contents

  1. Best overall insurance: World Nomads
  2. Best company for medical evacuation: Medjet
  3. Best company for older travelers: Insure My Trip
  4. Best company for students: STA
  5. Best company for expats: IMGlobal
  6. Best supplemental coverage: Clements
  7. Honorable Mention: Your travel credit card

 

OUR TOP PICK: World Nomads

I’ve been using World Nomads for the past decade and have never been disappointed. Their plans are comprehensive and great for travelers visiting more than one country in a single trip. It’s easy to read their policies and see what’s covered (and what isn’t), and their customer service is top notch. And if you want to learn more before you purchase or have questions after you sign up, their customer support is there to help.

This company is perfect for adventurous travelers who plan to do things like hiking, kayaking or canoeing, and even some extreme sports like rock climbing bungee jumping. With 100 different activities are covered, World Nomads is the best choice for the active traveler.

Here’s a quick overview:

  • Emergency medical and dental coverage
  • Coverage for trip cancelations, delays, and interruptions
  • Baggage protection
  • Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)
  • Medical transportation
  • 24/7 customer assistance

They are the perfect company if you’re a backpacker or long term traveler. The company was founded by backpackers so they keep people who travel long term in mind in their plans and customer service. This is my go-to insurance company and one I’ve been using for years. If it sounds like the company for you, you can use the widget below to get a quote:

 
(Want to learn more? Check out my comprehensive World Nomads review!)

Medjet

Medjet is the premier membership program for medical transportation. Their extensive plans focus on crisis response and emergency transportation and they have amazing staff on hand to help you through it all.

While many insurance companies will just evacuate you to the nearest hospital in an emergency, MedJet goes above and beyond to ensure that you’re repatriated and not stuck in a foreign medical facility away from your friends and family.

They have both short-term and annual plans, too, so no matter what your travel plans are you’ll be able to find the affordable coverage that you need.

Here’s a quick overview of MedJet:

  • Extensive medical transport coverage
  • Limited time spent in foreign medical facilities
  • Both short-term and annual plans
  • Available for residents of the US, Canada, and Mexico

Medjet is the perfect company for anyone looking to avoid time spent in foreign medical facilities should an emergency or crisis occur.

Insure My Trip

Insure My Trip isn’t actually an insurance company that issues its own plans. Rather, they recommend plans and help you compare prices so you can buy the plan that’s best for you.

With Insure My Trip, you can compare plans from almost 30 different insurance providers. They are the go-to company for senior travelers as well, since many travel insurance companies won’t cover travelers over 65. Insure My Trip provides comparisons from insurance companies that cover older travelers, making them the best option for retirees and other senior adventurers.

Here’s a quick overview of Insure My Trip:

  • Guaranteed low prices
  • Coverage for senior travelers over 65
  • “Anytime advocates” ask the insurer to give your claim a second look if you think it was unfairly denied.
  • Comparisons from 28 different companies to ensure you get the best plan

Insure My Trip is the best choice for older travelers looking for comprehensive coverage over the age of 65.

STA

STA is an online travel agency that is known for its flights and travel packages. But they also sell affordable travel insurance too. STA provides budget-friendly plans for students and teachers, offering coverage for as little as $99 USD for 1 year.

It’s the best choice for anyone studying abroad or teaching overseas. You’ll also get an ISIC card, which includes tons of additional perks and discounts!

Here’s a quick overview of STA Travel Insurance:

  • Budget-friendly plans
  • ISIC card benefits in over 125,000 locations
  • Basic coverage options
  • Great for students/shoestring backpackers.

STA is the best choice for student travelers and teachers working overseas who only need basic travel insurance coverage.

IMGlobal

IMGlobal provides insurance plans that are more akin to your standard US health insurance. They have comprehensive coverage for long-term travelers, plans for non-US citizens, and affordable plans for visitors to the US as well. They have basic plans for students and budget-conscious travelers as well as more robust plans for families and expats.

Their plans cover single trips; however, they also have multi-trip plans for travelers heading out on more than one trip per year.

Here’s a quick overview of IMGlobal:

  • Best for expats and long-term travelers
  • The closest option to normal US health insurance
  • Available for non-US residents
  • 16 different plans to choose from

IMGlobal is the best insurance company for expats and long-term travelers who want coverage beyond medical emergencies.

Clements

Clements focuses on insurance coverage for expats as well as coverage for high-end gear (such as laptops, smartphones, and cameras). Many travel insurance companies only provide minimal coverage for your expensive electronics, which means you’ll have to pay a lot of money out of pocket to replace them should they get lost, damaged, or stolen while you’re abroad. They also offer plans with low or no deductibles so you can rest assured that, should the worst happen, you can replace your valuables without breaking the bank.

Here’s a quick overview of Clements:

  • High-end electronics coverage
  • Low (or no) deductibles
  • Premium plans with unlimited coverage
  • Available both inside and outside of the US

Clements is the best insurance option for anyone traveling with expensive electronics who need comprehensive coverage.

Honorable Mention: Credit Card Coverage

While not the most comprehensive, many travel credit cards will include some degree of travel insurance. Coverage is often limited and might only apply to trips or items purchased with the card. And there may be limited dates of coverage too.

However, something is better than nothing! But while it can be tempting to go for a free insurance plan from your credit card company, their plans are usually not that comprehensive and have minimal coverage and/or limited compensation. These free plans are best used as supplemental coverage in addition to a plan from one of the companies above.

But it’s always great to have options (especially free ones). Be sure to learn more about the best travel credit cards before your next trip (you’ll have to read the fine print).

***

Nobody plans on getting hurt when they travel. And in a perfect world, we wouldn’t. But we all know that this isn’t a perfect world.

My bags were stolen when I was traveling in South Africa.

I popped my eardrum while diving in Thailand.

And I was even stabbed while backpacking in Colombia.

Obviously, I didn’t plan for any of these things to happen.

But they did.

And I was lucky I had travel insurance to help me cover the costs. So before you head out on your next trip, make sure that you’re covered. Invest in your own safety and peace of mind. I promise you, it’s worth the money.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight
Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned.

Book Your Accommodation
You can book your hostel with Hostelworld as they have the largest inventory. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels. I use them all the time.

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

Looking for the best companies to save money with?
Check out my resource page for the best companies to use when you travel! I list all the ones I use to save money when I travel – and that will save you time and money too!

The post The 7 Best Travel Insurance Companies in 2019 appeared first on Nomadic Matt's Travel Site.

The Best Travel Insurance Companies for Backpackers

A budget backpacker sitting on a mountain looking into the distance
Posted: 6/16/2019 | June 17th, 2019

I’m a backpacker at heart. Even after traveling the world for over a decade, I still love to travel cheap, prioritizing experiences over fancy accommodation and transportation. I still love staying at hostels, meeting locals, and sampling as many local delicacies as I can.

Contrary to popular belief, being a backpacker is not about pinching every penny — it’s about finding value. If you want to have a genuine and authentic trip without breaking the bank you need to spend your money wisely.

And when it comes to backpacking around the world, one of the wisest choices you can make is to purchase travel insurance.

I know, travel insurance seems like just another expense that will chip away at your budget. I used to think that too.

But it also has the potential to save you thousands of dollars should something go wrong on your trip.

And after traveling around the world for the past 10 years, I can confidently tell you this: things will go wrong.

To help you stay safe on your next trip, here is everything you need to know about buying insurance as a backpacker.

Why Do Backpackers Need Insurance?

The reason you need to buy travel insurance is because accidents happen. Regardless of whether you’re at home or abroad, things go wrong. At home, you likely have access to medical care and reliable medical facilities.

On the road, that isn’t always the case.

While serious injuries are rare, they do happen. And it’s always better to be safe than sorry. But insurance isn’t just for medical emergencies. It also covers a lot of incidents that are much more common than you think!

Here’s a quick overview of what you can expect your backpacker insurance to cover:

  • Medical emergencies (surgery hospitalization fees, medical evacuation)
  • Flight delays and cancellations
  • Trip cancellations (due to injury or a death in the family)
  • Emergency evacuation (due to injury or natural disaster)
  • Dental emergencies
  • Lost or stolen baggage
  • Damaged or stolen gear
  • Death overseas

While it’s unpleasant to spend time dwelling on these things, the truth is, you need to be prepared for the worst. Hopefully, you’ll never need to use your insurance plan, but if you need to, you want to make sure you have the coverage you need.

I’ve had my bags stolen, I’ve needed to go to the hospital overseas, and I was even stabbed while traveling in South America.

I didn’t plan for any of these things to happen, but when they did, I was glad I had insurance to help me get reimbursed as well as to help me navigate the confusion that comes with having an emergency abroad.

I know, as a backpacker you like to keep costs low. Insurance isn’t free, after all, which makes it seem like a burdensome and unnecessary expense.

But it’s much better to pay a few bucks a day than risk losing your life savings should an emergency occur while you don’t have coverage.

What Does Travel Insurance NOT Cover?

While most travel emergencies and injuries are covered by travel insurance, it’s important to know what is not covered by your plan. Knowledge is power, after all.
For reference, most backpacker insurance policies do not cover:

  • Accidents sustained while participating in extreme adventure activities. These often include hang-gliding, paragliding, or bungee jumping.
  • Alcohol- and drug-related incidents.
  • Carelessness or negligence.
  • Pre-existing conditions or general check-ups.
  • Stolen cash (unless you pay for a more comprehensive plan)
  • If civil unrest makes your destination unsafe but your government hasn’t called for an evacuation, you probably won’t qualify for evacuation (unless you have more advanced coverage from a company like Medjet).
  • Changing your mind about your trip or unfriending or breaking up with your travel partner will disqualify you from trip-cancellation coverage.
  • Pre-existing medical conditions don’t qualify for most trip cancellation plans unless otherwise stipulated.
  • If your visa to a destination is refused you won’t be reimbursed if you decide to cancel your trip.

The Best 3 Backpacker Insurance Companies

To help you stay safe on your next trip, here are some suggested companies that provide affordable insurance for backpackers:

1. STA Travel Insurance
STA is an online travel agency that is known for their flights and travel packages — but they offer affordable travel insurance too for students as well.

STA sells basic, budget-friendly coverage for students and teachers who travel, with plans starting as low as $99 USD for 1 year. If you’re a student and a budget backpacker who is only looking for the most basic of coverage, STA is the company for you.

Here’s a quick overview of STA Travel Insurance:

  • Budget-friendly plans
  • ISIC card benefits in over 125,000 locations
  • Basic coverage options
  • Great for students/shoestring backpackers.

Click here to get a quote from STA.

2. Insure My Trip
Insure My Trip helps you compare insurance plans and prices so you can purchase the plan that’s best for you and your budget. You can compare plans from almost 30 different insurance providers, with plenty of budget-friendly options available for backpackers.

And they are the go-to company for older backpackers as well since many travel insurance companies won’t cover travelers over 65. Insure My Trip provides comparisons from insurance companies that cover older travelers, making them the best option for retirees and other senior adventurers.

Here’s a quick overview of Insure My Trip:

  • Guaranteed low prices
  • Coverage for senior travelers over 65
  • “Anytime advocates” ask the insurer to give your claim a second look if you think it was unfairly denied.

Click here to get a quote from Insure My Trip

OUR TOP PICK: World Nomads Travel Insurance
World Nomads is the absolute best insurance company for budget travelers. I’ve been using them for over a decae and have never been disappointed with their customer service or coverage. Their plans are comprehensive and great for both long-term travelers as well as anyone heading out on a shorter vacation. It’s easy to read (and understand) their policies and see what’s covered — and what isn’t.
Best of all, if you want to learn more before you purchase or have questions after you sign up, their customer support is there to help.

World Nomads is perfect for adventurous backpackers who plan to do activities like hiking, kayaking, or even some extreme sports like bungee jumping or rock climbing. With 100 different activities covered, World Nomads is the best choice for the active backpacker.

To help you learn more about World Nomads, here’s a quick overview of their coverage:

  • Emergency medical and dental coverage
  • Coverage for trip cancelations, delays, and interruptions
  • Baggage protection
  • Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)
  • Medical transportation
  • 24/7 customer assistance

World Nomads was founded by backpackers so they know exactly what the budget traveler needs in their plan. This is my go-to insurance company and one I’ve been using for years. If it sounds like the company for you, you can use the widget below to get a quote:

(Want to learn more? Check out my comprehensive World Nomads review!)

***

After backpacking around the world for over a decade, I never leave home without travel insurance. I’ve experienced first-hand how helpful it can be. It’s saved me thousands of dollars over the years — as well as countless headaches too.

Not only that, but buying travel insurance provides peace of mind. It gives you and your family a safety net in case things go wrong. Whether you’re island-hopping in Thailand or getting off the beaten path in Eastern Europe, travel insurance will be there when you need it.

Being a backpacker is all about having amazing, memorable travel experiences all without breaking the bank. And there’s no better way to insulate yourself from expensive (and unnecessary) costs than by buying travel insurance.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight
Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned.

Book Your Accommodation
You can book your hostel with Hostelworld as they have the largest inventory. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels. I use them all the time.

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

Looking for the best companies to save money with?
Check out my resource page for the best companies to use when you travel! I list all the ones I use to save money when I travel – and that will save you time and money too!

The post The Best Travel Insurance Companies for Backpackers appeared first on Nomadic Matt's Travel Site.

Ads? On this Site? What? Why?

A laptop on a desk beside a cup of black coffee and a notebook
Posted: 7/1/2019 | July 1st, 2019

For eleven years, I vowed never to put an ad up on this website. None. Zero. Zilch.

I hate ads. They are ugly. They are intrusive, sometimes popping up right when you load a page. (And don’t get me started on pre-roll videos!)

So it might seem odd that today, after eleven years being ad-free, I’m announcing we’ve put ads up on this website.

Since I’ve been so vocal about how much I dislike ads, I want to explain to the community why we’re doing this:

The world changes. People change. People’s buying habits change.

And, to be a successful business, you must change too.

Over the years, we put a lot of our eggs into the ebook/digital guide basket.

That worked for a long time.

But the cold hard truth people don’t really buy ebooks these days. They want Kindle books or physical guidebooks.

That’s what the world wants.

Plus, with so much free information online, most people just don’t feel the need to buy ebooks anymore. They can often google what they need. If it’s not in a Kindle or paper form, it’s not a “real” guidebook. (We’ve looked into making paper guides but, frankly, the print on demand paper quality isn’t there. It’s just not at the quality that we can be proud of. And, to print in color, the costs are just too high right now.)

So our ebook sales have flatlined. They’re no longer an engine of growth that can fuel new projects.

And we have a great project in the works that needs fuel.

Remember The Nomadic Network? The global meet-up thing we tested out a few years back. We were going to build local chapters, host educational and social mixers, and get people excited about travel.

Well, this fall, we are bringing it back to life.

But we need money to make that happen.

One thing we learned last time we trialed this was that we need a dedicated person whose job is just to run the events and coordinate with all our local chapters.

The revenue from our book sales isn’t going to cover that.

The team and I searched far and wide for an alternative — but the truth is that ads are the only thing that can give us the substantial and sustained revenue we need to relaunch the Nomadic Network as well as maintain and grow this website. (We would like to pay more guest writers and hire another research assistant.)

So that’s why we now have ads.

It’s not simply so we can have more money (or Chris can finally upgrade from sleeping in dorms).

It’s so we can relaunch this community initiative (one we are really, really excited about but have put aside for way too long) and invest in the website.

I know it’s a big change and we tried to make the ads as non-intrusive as possible.

But know that this decision didn’t come easy. I still have mix feelings about it but the world changes and sometimes you just have to change with it.

Feel free to leave comments below (but know we’re not going to reverse this decision).

Sincerely,

Nomadic Matt and team

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Life in Paris, Part 3: Nothing Lasts Forever

Matt Kepnes on a bridge over a canal in Paris
Posted: 6/12/2019 | June 12th, 2019

The end is here. After four months in Europe, I head home tomorrow.

When I came to Paris earlier this year, everyone asked if it was forever.

And, when I said I wasn’t sure, people would reply, “Oh, so you aren’t really moving there, huh?” — as if to say that only a forever and ever move is a real move.

But I did move here. This is where my stuff is. This is my home (even if it might only be temporary).

In my world, there’s no such thing as a forever and ever move.

I have no job that keeps me anywhere in particular. No boss to call me into the office and say, “Matt, we’re transferring you to the Paris office. Pack your bags. We got your visa. You’re there for the next five years.”

No. I get to taste the milk before I buy the cow.

My time here was always an experiment: could I live in a city I loved so much? Would daily life in Paris be as magical as travel in Paris?

No matter the answer to those questions, I always had to leave for the summer. Books and conferences don’t launch themselves!

So will I come back? Did I love Paris so much that I’m ready to make this the spot where I put down my roots?

While walking through the Luxembourg Gardens recently, I realized two things:

First, I don’t miss New York City. I haven’t thought about NYC in a long, long time. I really am over living there.

While I miss my friends and local haunts, I don’t miss the noise, crowds, or fast-paced lifestyle.

I’ll always have a place for NYC in my heart.

And I will visit often.

But my time living there has truly come to an end.

As I’ve alluded to many times, I want to settle down. I’ve been a leaf blowing in the wind long enough, and it’s time to plant roots.

Today is my birthday.

I’m thirty-eight years old.

My next move is the move. One that has to last longer than a few months. I don’t want to restart my life anymore.

So, is Paris that place? Do I really want to settle down and try to live here? Sign a lease? Get residency visas and a bank account? Start paying taxes here?

street

Paris has become my little respite from the world. A city that comes alive at night when the cafes overflow with people, the traffic disappears, and the orange glow of the streetlights makes the city seem mystical.

I loved living here. This city inspired me. I’ve slept more, eaten better, wrote more, read more, and relaxed in ways that I haven’t in years.

I’ve gotten into a nice routine here, made a few friends, and frequented my boulangerie so much I don’t even need to order any more. They know it by heart.

I’m sadder than I thought I’d be about leaving. These last few days have made me melancholy. I’m really going to miss it!

But, as much as I love – and will miss – Paris, this is not my forever and ever city.

It doesn’t feel like home the way other places have.

It was what I needed when I needed it.

But it is not my home.

Instead, my mind goes constantly goes back to one place: Austin.

It calls to me.

Over and over again.

There I can get space, nature, nice weather, and land. It’s my Goldilocks city.

So I’m moving back to Austin.

I haven’t second-guessed that decision once.

Which, being a Gemini and all, means it’s probably the right one.

Book Your Trip to Paris: Logistical Tips and Tricks

Book Your Flight
Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned.

Book Your Accommodation
You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels. I use them all the time. Some of my favorite places to stay in Paris are:

  • St. Christopher’s Canal – Comfy spot on the canal. During the summer months, the terrace is hopping!
  • 3 Ducks Hostel – This hostel has one of the cheapest bars in the city, and it’s just a 10-minute walk to the Eiffel Tower.
  • Les Piaules – Fantastic chimney lounge, a cool bar, and a rooftop space. It’s a great place to meet people!

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

Looking for the best companies to save money with?
Check out my resource page for the best companies to use when you travel! I list all the ones I use to save money when I travel – and I think will help you too!

Looking for more information on visiting Paris?
Check out my in-depth destination guide to Paris with more tips on what to see, do, costs, ways to save, and much, much more!

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