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My top travel insurance with great value for money and premium alternative
Don’t buy travel insurance! Buy peace of mind!
Hello guys! Since I am constantly looking for cheap and good travel insurance myself, I am putting together the best, most flexible, and cheapest international travel insurance for you in this post!
I have tried three of them and will show you later which one I use today (Stand February 2026).
Travel insurance for worldwide travel
For 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.Â
International travel insurance usually only covers emergencies (accidental, sudden accidents and illnesses). That means no (pre-)illnesses and routine examinations such as blood tests, dentist visits, etc.
Case working holiday Australia: What you should know about travel insurance before your working holiday
Proper travel insurance for your working holiday/working travel in Australia is obligatory and part of the application process.Â
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 result 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.Â
Furthermore, some nationalities are not entitled to the so-called Medicare during their working holiday.
Medicare is the equivalent of your country’s “normal” health insurance, and it’s free/discounted for certain nationalities. However, it doesn’t mean that you don’t need travel insurance, unfortunately ;).
Once in Australia, you can “enroll” and get started with Medicare Australia.
For those who won’t use it, you can declare that in your tax return at the end of your stay so that it won’t be calculated. More about tax return here.Â
Countries entitled to Medicare are:
UK, Sweden, Finland, Norway, Netherlands, Belgium, Ireland, and New Zealand for the whole stay and Italy and Malta for 6 months after arrival in Australia.
Most common diseases abroad I experienced myself or from other travelers!
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 travel insurance!
- Infection due to an unclean environment, for example, throat infection or infection through food poisoning. Usually due to street food and water.
- Scooter or motorbike accidents! Very, very common!
- Sport injuries, especially in football, surfing, and climbing (if broken operation needed)
- COVID-19 virus! (eventually hospitalization needed)
- Dengue virus! (not curable and eventually hospitalization needed) and similar to malaria (curable). COVID-19 is a joke compared to dengue!
- Any other pre-condition you have combined with a new disease can be very dangerous! For example, high blood pressure, obesity, and other conditions in combination with COVID-19 could be dangerous!
Bonus Tip [just relevant for German citizens]:Â
For the older among you (from 27 on, you are no longer family insured), it pays off to take out 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 residents’ registration office + your new international travel insurance + flight ticket.
By the way, you are now free to withdraw from all your contracts because you have an extraordinary right of cancellation (for cancellation or shutdown, e.g., running gym contracts, cell phone contracts)
I am stateless and therefore only pay my travel insurance if at all 😉Â
If you want additional information or have 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.
In summary – what do the following travel insurances have in common/special?
- Inexpensive, starting from $40 per month for the cheapest travel insurance
- Worldwide coverage is included in SafetyWing, Heymondo, Hanse Merkur, and World Nomads (ONLY for 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
Heymondo – Covid-19 coverage for all countries included: BONUS 5% OFF with my specific link!
SafetyWing – Covid-19 coverage for all countries included!
Hanse Merkur [Just for German citizens]
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 PlanetÂ
- 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: 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%, depending on the PROMO!
Summarized:
- IMPORTANT UPDATE: Heymondo now covers the strict insurance requirements for travelling to Costa Rica
- Add what you need! Costs depend on your needs!Â
- Coverage also for non-medical issues like luggage, travel delay due to transport, and trip cancellation. Perfect as an 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 want full protection with medical and non-medical services.
The flexible nomad and my choice: SafetyWing
Opening link
>> Get SafetyWing Worldwide Insurance*
Summarized:
- Costs from $56.28/28 days
- 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 (paid month still valid, of course)
- Upgrade to International Health Insurance available
- 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 Heymondo instead
Conclusion
The German Classic: Hanse Merkur
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 a 5-year contract
Conclusion
Indeed a German classic: Affordability, a good reputation, and no deductibles make it difficult not to be insured by Hanse Merkur!
Overview of your working holiday journey
- Part 1 is all about visa requirements and eligibility for your working holiday in Australia (read before coming to Australia)
- >>Part 1.1 I lead you step-by-step with screenshots through the official working holiday visa application!
- Part 2 is all about relevant bureaucracy stuff to get started in your first days in Australia. I show you Australia’s minimum wage, what TFN, ABN, RSA, SUPER, etc. are, and where to apply to work legally in Australia.
- Part 3 is all about pay rates and backpacker jobs. I show you my payslips and what I earned, and you can too! I show you all special occasions where you can earn more money!
- >>Part 3.1 I show you which 11 backpacker jobs I tried myself with real pay rates!
- Part 4 is all about finding typical backpacker jobs and pay rates. I show you all relevant ways, platforms, and websites where you can find jobs!Â
- Part 5 is all about extending your working holiday visa in Australia and the required 88 days of specified work. (Farm work)
Questions? Let’s connect:
What’s next in your journey?
Don’t know where to start?
Open this overview guide here!
- Apply for the working holiday maker visa subclass 417 (usual approval time 1 min — 14 days) or 462 (usual approval time at least 14 days due to further requirements)
- Provide further details if necessary to get the application going (health examination, etc.) in your immigration account (ImmiAccount)
- Get credit cards, especially a WISE account (Australian bank account), and check passport validity! (min. 2 weeks – 1 month before you plan to fly)
- Book your flights (AFTER receiving an approval letter from immigration)
- Packing list 2024 (Coming soon)
- Get international travel insurance before you fly here. Are you from Germany? Then get it here!
- Get an Onward ticket ALWAYS! (24-48 hours before your flight, evidence of leaving the country you enter). For working holiday Australia visa holders, it’s NOT necessary.
- Book your accommodation via Hostelworld to get to know people quickly. I recommend the first two weeks at the same spot
- First days in Australia: Kickstart your working holiday with this blog post!
- Job hunting and other bureaucratic stuff (once in Australia)
- Open up your US LLC to get your freelancer business started!
- Sign up for my newsletter to become a smarter traveler and stay up-to-date
For digital nomad starters:
- Open up your US LLC to get your freelancer business started! (4 weeks before your trip)
- Get credit cards and check passport validity! (min. 2 weeks – 1 month before you plan to flight)
- Apply for possible longer stays like a digital nomad visa or extended visa (typically 2 months before your flight)
- Book your flights
- Packing list 2024 (Coming soon)
- Get travel insurance before you fly here
- Get an Onward ticket 24-48h before your flight (evidence of leaving the country you enter, ALWAYS!). If you have a visa, it’s not necessary!
- Book your accommodation via Hostelworld to get to know people quickly. I recommend the first week in one spot
- Sign up for my newsletter to become a smarter traveler and stay up-to-date
