Backpackers Insurance? SEA & Oz.
Replies: 20 - Last Post: Dec 17, 2012 9:44 AM Last Post By: Abbie19
Dec 12, 2012 11:09 AM
Backpackers Insurance? SEA & Oz.Hello, I will be traveling for 3 months backpacking around NZ, Australia, Cambodia? I am not too familiar with backpackers insurance or any policies? Does anybody think backpackers insurance is a mandatory purchase? If so what are the good groups/companies to arrange with?
Dec 12, 2012 12:39 PM
Dec 12, 2012 1:37 PM
Dec 12, 2012 4:59 PM
3Here's a couple of scenarios:
You get a toothache while in Australia and have to go to a dentist. Treatment requires a visit to a specialist.Cost could easily be $1000+
You are unfortunately in a car accident in Cambodia and end up in a Cambodian hospital. You need surgery not available in the local hospital. Your choice - go to a private hospital or Medivac back home (wherever that may be) Cost would run into thousands of dollars.
A pickpocket steals your wallet with all your money, credit cards and passport.
You get on a flight. You make it to your destination but your luggage doesn't and all your possessions need to be replaced. In Australia that would run into hundreds of dollars.
You miss a flight because your inbound flight arrived late - different airlines different tickets. The only hotel room available is in a 5* hotel - $600 a night.
You take your eyes of your mobile phone/expensive camera/laptop/iPad - whatever,for just a moment and someone steals it.
A parent/sibling is hospitalized and you need to get home in a hurry. The only available seats on a flight home are in business class - cost $10000.
If none of these scenarios bother you then by all means don't get travel insurance.
Dec 12, 2012 5:05 PM
Dec 12, 2012 5:09 PM
Dec 12, 2012 5:23 PM
6The last travel insurance I arranged was through this Thorntree website. It was the cheapest by far of any company I obtained a quote from.
Just click insurance near the top of the page to get a quote.
I have no idea about how essential insurance is in Cambodia but if you require medical attention in Australia for the most minor ailment, it will probably cost you more than the insurance. Depending on the doctor, It costs something like aud $80 just for 10 minute consultation.
Dec 12, 2012 5:40 PM
Dec 12, 2012 7:23 PM
8Medivacs are actually often hundreds of thousands of dollars. #1 reason to have travel insurance. I couldn't care less if i got things stolen etc etc. But not getting health care of being looked after in a sub standard hospital... no thanks. for the couple of hundred dollars I'll take the travel insurance every time.
Never go through the travel agent either for travel insurance, it is where they get most commission though.
I recently got a policy for Cambodia and it was $75. Now with Australia, health care is not cheap so it woulkd cost more, but still affordable IMO.
Dec 12, 2012 8:04 PM
9I agree wholeheartedly with everyone on this thread who says that insurance is a necessity. I don't know what you mean by "backpacker" policies specifically as insurance is insurance although I guess some policies market themselves more towards a specific group.
Just be aware that there are somethings not covered- such as riding on motorbikes without a license.
#4- I don't care if you don't have apolicy,but don't expect my tax dollar to help you out when you are stuck on an overseas hospital.
Dec 12, 2012 8:07 PM
10I always get travel insurance. I usually use my health fund, who were nice enough to tell me that when I was overseas for 11 months, I did not need to pay health fund premiums to keep my insurance up to date. I have had several claims (though, fortunately not medivac) but it is definitely worth it. My company also offers assistance if/when something unforeseen happens. One example is when I got stuck in Athens during the Icelandic volcano.
Dec 12, 2012 8:19 PM
Dec 13, 2012 12:36 AM
12I wouldn't recommend not getting travel insurance.
One of my closest friends was in a motorcycle accident in Argentina last year and nearly died. He shopped around before his trip and chose very good travel insurance. He was stuck in bed, in hospital in Argentina for over 3 months, but his insurance meant it was a private room in a private hospital with excellent care. When he was safe for flight, he was flown first class back to Australia with an accompanying doctor. He was then escorted straight from the airport to a private Australian hospital to finish his treatment / healing. He didn't pay a cent for any of this because of the $200 he spent on travel insurance before he left. He certainly didn't think that was going to happen to him... no one ever does. Travel insurance is well worth the money.
Dec 13, 2012 10:43 AM
Dec 13, 2012 1:17 PM
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