My (covid-19) travel insurances with great value for money + premium alternative [Backpacking worldwide+Holidays+ Working Holiday Australia].
Don’t buy travel insurance! Buy peace of mind!
Hello guys! Since I am always looking for cheap and good travel insurances myself, I am putting together the best, most flexible and cheapest ones international travel insurances for you in this post! I myself have tried three of them (see picture) and will show you later which one I use today (Stand April 2021).
For Australia’s working holidaymakers: What you should know about travel insurances before your working holiday
A proper travel insurance for your working holiday/working travel in Australia is obligatory and part of the application process.
Click here to see all requirements for your working holiday/working travel in Australia
It is important to get the travel insurance before the trip until the end of the trip (i.e. for one year). In this way you can also save some money, as longer contracts results in a better price!
Theoretically they could otherwise deny you entry to Australia. This will probably never happen for German and other citizens, because you should be able to show an amount of 5000$ (Australian Dollars) for a working holiday visa for Australia anyway. More for the Working Holiday Visa requirements here.
Furthermore, some nationalities are not entitled to the so-called medicare during their working holiday. Medicare is the equivalent of your countries “normal” health insurance and it’s free/discounted for certain nationalities. However it doesn’t mean that you don’t need an travel insurance unfortunately ;). Once in Australia you can “enrol” and get started with medicare Australia.
For those who won’t use it you can declare that in your tax return in the end of your stay so that it won’t be calculated. More about tax return here.
Countries entitled for Medicare are:
UK, Sweden, Finland, Norway, Netherlands, Belgium, Ireland, New Zealand for the whole stay and Italy and Malta for 6 months after arrival in Australia.
Travel insurances for worldwide travel
For simple worldwide travel you theoretically don’t need any insurance. But you should not risk it for a long time. It is also not expensive 😉
Furthermore, international or (foreign) travel insurance should not be confused with international health insurance. With the latter, much more is covered and therefore much more expensive.
International travel insurance usually only covers emergencies (accidental, sudden accidents and illness. That means no (pre-)illnesses and routine examinations such as blood tests, dentist, etc.
You can find good international travel health insurances in the separate post here (coming soon! or just type in the search bar)
Bonus Tip [just relevant for German citizens]:
For the older among you (from 27 your are no longer family insured) it pays off to take out a normal health insurance until you are back in Germany. Thus one saves very much money. Of course not everybody can do this, depending on the previous course of illness. More about this here (coming soon).
How? Just send an email with a confirmation of your departure to the local residents’ registration office + your new international travel insurance + flight ticket. By the way, you are now free to withdraw from of all your contracts, because you have an extraordinary right of cancellation (for cancellation or shutdown for e.g. running gym contracts, cell phone contracts)
I myself am stateless and therefore only pay my travel insurance if at all 😉
If you want more information or questions about statelessness and its advantages and disadvantages, please mention it in the comments below. Otherwise it would go beyond the scope of this article.
Most common diseases abroad I personally experienced myself or from other travelers!
Hey guys,
I will show you the very common diseases and accidents you can get while backpacking and traveling abroad, where you definitely wish you would have bought a travel insurance!
- Infection due to unclean environment for example throat infection or infection through food poisonings. Usually due to street food and water.
- Scooter or Motorbike accidents! Very very common!
- Sport injuries especially football, surfing and climbing (if broken operation needed)
- Covid-19 virus! (eventually hospitalization needed)
- Dengue virus! (not curable and eventually hospitalization needed) and similar like malaria (curable). Covid-19 is a joke against dengue!
- Any other pre-condition you have combined with a new disease can be very dangerous! For example high blood pressure, obesity among other conditions in combination with covid-19 could be dangerous!
In summary – what do the following travel insurances have in common/special?
- Inexpensive starting from 40$ per month for the cheapest travel insurance
- Covid-19 coverage included in SavetyWing, Heymondo, Hanse Merkur and World Nomads (ONLY US-Citizens for the latter)
- Monthly cancellation OR refund of the balance if you return earlier
- Booking anytime and anywhere possible! (except Hanse Merkur for German Citizens)
All travel insurances at a glance
World Nomads – Covid-19 coverage for US-citizens!
Heymondo – Covid-19 coverage for all countries included: BONUS 5% OFF with my specific link!
SafetyWing – Covid-19 coverage for all countries included!
Educare-world
Hanse Merkur [Just for German citizens]
The Australian firefighter with an all-round carefree package: World Nomads Travel Health Insurance
>> Get World Nomads Travel Insurance*
Don’t be shy, get a FREE quote right now:
Summarized:
- Costs from $100/month. For your personal cost check! Get a quote right now above! For me it was 1060$ for a whole year e.g. Working Holiday in Australia. A bargain for the benefits!
- Covers covid-19, but just for US-citizens!
- For almost all countries available!
- Standard and Explorer Plan possible. Recommend Explorer for only a few bucks more. Explorer covers high risk activities!!
- Made for world travelers, backpackers and nomads which also doing activities!
- Good reputation and recommended by Lonely Planet
- Even after your departure simply book ONLINE wherever you are!
- Covered pretty much everything and more 😉 See full list wha’s covered https://www.worldnomads.com/eu/travel-insurance/whats-covered; examples: Stolen credit cards and passport, delayed luggage and much more! Absolutely crazy what they cover!
The World Nomad hero with covid-19 coverage for almost all countries: Heymondo
My readers get 5% off for the Heymondo travel insurance as you can see in the picture above (Clueless travel discount). Take advantage right now![/caption]
Opening Link
>> Get Heymondo travel insurance*
BONUS: If you use my specific link you will get 5% off, sometimes even 15% depends on the PROMO!
Summarized:
- IMPORTANT UPDATE: Heymondo covers now the strict insurances requirements for travelling to Costa Rica in covid times
- Add what you need! Costs depends on your needs! Covid-19 coverage already included! No worries!
- Coverage also for non-medical issues like luggage, travel delay due to transport and trip cancellation. Perfect as a insurance package!
- Supreme Support!
- For almost all countries available
- Heymondo app for easy use!
- Even after your departure simply book ONLINE wherever you are!
- Suitable for extreme sports!
Conclusion
Heymondo travel insurance is perfect for rookie travelers and backpackers who wants full protection with medical and non-medical services. Of course covid-19 coverage included!
My Choice – The Flexible Nomade: SafetyWing
Opening link
>> Get SafetyWing Worldwide Insurance*
Summarized:
- Costs from 40$/28 days already with Covid-19 coverage!!!! (It treats covid-19 like any other disease!)
- For almost all countries available
- Upgrade for USA and Cuba possible
- Even after your departure simply book ONLINE wherever you are!
- Advanced payment in case of serious illness/injury possible!
- Can be cancelled at any time (payed month still valid of course)
- Upgrade to International Health Insurance available (Coming soon)
- Deductible $250 per year (everything above will be refunded).
- Not suitable for extreme sports!
- Valid in your home country up to 1 month if you fulfill certain conditions! (don’t overstay)
- No disadvantages worth mentioning since it can be cancelled at any time if basics are not enough for you. Just Use World Nomads instead
The specialist for students, working holidays and exchange programs: DR. Walter with Educare World
Opening link
>> Get Educare World Insurance*
Summarized:
- Costs from 42€/month already with USA
- Available in different languages
- Day-accurate billing – only pay the actual insurance period!
- Advance payment in case of serious illness/injury possible!
- Even after your departure simply book ONLINE wherever you are!
- Medically meaningful return transport also insured
Conclusion
Cheap NO-BRAINER, if you return to your home country anyway! Recommended for all experiences travelers! [Gap year, Working Holiday, Backpacking] Website available in English, France, German, Spanish
The German Classic: Hanse Merkur International Health Insurance
Opening link
>>Get Hanse Merkur International Health Insurance*
Summarized:
- Costs from 35€/month
- Upgrade for USA and Cuba possible
- No minimum deductibles – every little bit of pain is deductible!
- Get refunded for early return! No risk!
- Even cheaper with 5 year contract
Conclusion
Indeed a German classic: Affordable, good reputation and no deductibles makes it difficult not to be insured by Hanse Merkur!
Disclaimer:
All information you get here is absolutely free and costs you the same if you use it elsewhere. If you use my affiliate link (marked with *) I get a small commission.
With this commission you support the blog of Clueless Travel, and ensure that high quality content will continue to be provided for you!
Furthermore, everything changes very fast nowadays. I am not responsible for sudden changes. Nevertheless I try to keep you up-to-date!
So if you want to support my blog Clueless Travel, just use my affiliate link 🙂
If you have any questions, feedback or criticism, feel free to post a comment below and I will get back to you!
Happy travels and see you soon!
Eduard from Clueless Travel
