Travel tips
Travel insurance, explained
Travel insurance isn't the most exciting part of planning a trip, but it can save you thousands if something goes wrong. Here's what independent travellers should actually look for — and what you may not need to pay extra for.
Plan your tripWhether you're backpacking across Southeast Asia, taking a two-week holiday or travelling as a digital nomad, having suitable travel insurance provides peace of mind if you face unexpected medical emergencies, trip disruptions or lost belongings.
Not every policy is the same, and the cheapest option isn't always the best value. The right cover depends on where you're going, how long you're away and what you plan to do.
Important
Always read the full policy wording before buying. This guide is for general information only and is not financial or insurance advice.
Why it matters
Why you need travel insurance
Medical emergencies
Medical treatment abroad can be expensive, particularly if hospitalisation or emergency transport is required.
Trip cancellation
Some policies reimburse eligible prepaid costs if your trip is cancelled for covered reasons.
Lost or delayed baggage
Cover may help if your luggage is lost, stolen or significantly delayed.
Personal liability
Some policies include protection if you're legally responsible for accidentally injuring someone or damaging property.
The essentials
What good travel insurance should include
Add-ons
Optional extras worth considering
Adventure activities
If you're planning activities like scuba diving, trekking, surfing or ziplining, check whether they're included or require an upgrade.
Electronics cover
Useful if you're travelling with expensive cameras, laptops or drones.
Rental vehicle excess
Can reduce costs if you hire a car or scooter (subject to the policy's terms and conditions).
Winter sports
Only relevant if your trip includes skiing or snowboarding.
Know the exclusions
What insurance usually doesn't cover
Exclusions vary between insurers and policies. Always read the full wording to understand what is and isn't covered before you buy.
Match your travel style
Backpackers vs holidaymakers
| Backpackers | Holidaymakers |
|---|---|
| Multi-country cover | Single destination cover |
| Longer trip durations | Short-term policies |
| Adventure activity options | Standard sightseeing cover |
| Flexible return dates (where available) | Fixed travel dates |
Choose a policy that matches how you actually travel. A backpacker hopping across borders for three months needs different cover from someone on a fixed two-week resort holiday.
Medical cover abroad
Medical costs vary greatly between countries, but treatment in private hospitals can be expensive. Choose a policy with a high level of emergency medical cover and understand how to contact your insurer if you need assistance.
Keep your insurer's emergency number saved in your phone and written down somewhere separate — data and battery can't always be relied on.
Don't get caught out
Common mistakes
If something happens
Making a claim
If something goes wrong, acting quickly and keeping records can make the claims process smoother. Most insurers will ask for evidence, so document everything from the start.
Get a quote
Nomad Insurance by SafetyWing
Popular with long-term travellers and digital nomads. Get an instant estimate below.
Questions
Frequently asked questions
Do I really need travel insurance?⌄
While it may not be legally required for every destination, many travellers choose it to help protect against unexpected medical expenses and travel disruptions.
Does travel insurance cover scooter accidents?⌄
Some policies do, but only if you meet the policy conditions (such as holding the appropriate licence, wearing a helmet and following local laws). Always check the policy wording.
Does travel insurance cover stolen phones?⌄
Many policies provide limited gadget cover, but maximum claim limits and exclusions apply. Check your policy's limits before travelling.
Can I buy travel insurance after I've started my trip?⌄
Some insurers offer policies for travellers who are already abroad, but availability and cover vary.
Is the cheapest policy the best?⌄
Not necessarily. Compare the level of cover, exclusions, claim limits and excesses — not just the price.
Before you buy
Tips before you buy
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