Author Archives: CoCo

Is Southeast Asia Safe for Travelers?

A bright shot at night of tuk-tuks in Southeast Asia
Posted: 6/22/2019 | June 22nd, 2019

Southeast Asia is one of the most popular regions in the world for backpackers and budget travelers. It’s home to a well-worn travel trail that dates back to the 1960s and ’70s, stretching across Thailand, Myanmar, Cambodia, Laos, Vietnam, Malaysia, the Philippines, Indonesia, and Singapore.

I’ve been visiting the area regularly since 2004 (I even spent a few years living in Thailand). It really does have something for everyone: bustling cities, delicious food, spectacular diving, lots of outdoor activities, historic sites — the list goes on.

Best of all? It’s budget friendly!

But is Southeast Asia safe?

That’s a question I get asked often, especially by solo travelers (or their worried families).

Generally speaking, Southeast Asia is incredibly safe. In fact, it’s one of the safest regions in the world.

You aren’t going to really face any physical danger, and it’s rare to even get robbed or mugged. People are nice, respectful, and friendly.

That said, here’s everything you need to know to stay safe in Southeast Asia!

 

11 Ways to Stay Safe in Southeast Asia

Staying safe in Southeast Asia doesn’t take a lot of work. Southeast Asia is an incredibly safe place to backpack and travel – even if you’re traveling solo, and even as a solo female traveler. Violent attacks are rare. There are some common scams around, like the motorbike scam where vendors try to charge you for damage to their bike, but for the most part, this is a safe place to travel. People are nice and helpful and you’re unlikely to get into trouble. The people who do tend to be involved with drinking or drugs or sex tourism. Stay away from that stuff and you’ll be fine. That said, here are 11 ways to ensure nothing is going to happen on your trip:

1. Watch for purse-snatchers – Purse-snatching is rare, but it does happen. To avoid the most common types of theft, don’t wear your purse or bag over just one shoulder — instead, wear it across the front of your body. Also, many purse-snatchers will be on a scooter, so take particular caution when walking alongside traffic.

2. Be extra careful in traffic – Most injuries in Southeast Asia are caused by vehicles. Be especially careful walking in hectic cities like Hanoi or if you are driving (especially scooters).

3. Don’t do drugs – Drugs like marijuana are easily accessible in Southeast Asia (especially in party locations, like the Full Moon Party). But they are illegal! Fines are heavy — and if you get caught, expect to spend time in jail or pay a hefty bribe. Save yourself the hassle and don’t do any drugs while you’re in the region.

4. Wear a helmet – If you’re renting or riding a scooter or motorbike, be sure to wear a helmet. Also wear proper clothing and footwear. I’ve seen a lot of road rash during my time in Southeast Asia!

5. Look out for bedbugs – Unfortunately, bedbugs are a reality in Southeast Asia. Though rare, you will likely encounter them at some point if you’re traveling around the region for any length of time. Always check your accommodation in advance. If it looks dirty, simply move on. Also, never put your backpack on your bed. That way, if the bed is contaminated, at least your backpack won’t also be contaminated.

6. Bring a lock – While theft in dorm rooms is rare, you don’t want to take any chances. Hostels almost always have lockers available. Bring a lock so you can store your possessions safely while you’re out and about.

7. Hide your valuables – When you’re out exploring, keep your wallet and valuables hidden in your backpack (or leave them loved up in your accommodation). Carry some cash in your pockets, but keep your cards and other valuables out of reach. Most theft is opportunistic, so if you’re vigilant, you’ll have nothing to worry about!

8. Don’t party solo – Make sure if you’re out partying that you do it with friends or people you can trust. Don’t get so drunk that you can’t get home safely. (If you’re taking part in the Full Moon Party in Thailand, you can find specific safety tips in this blog post.)

9. Keep your passport – Never give away your passport as a deposit when booking things like accommodation or rentals. Always make sure you get it back, or else you might not see it again. (And be sure to keep a digital scan of your passport in your email inbox just in case.)

10. Stay away from animals – Stray dogs (as well as monkeys) often carry diseases, such as rabies (which can be fatal). To avoid getting bitten, don’t pet stray dogs or wild monkeys.

11. Buy travel insurance – While Southeast Asia is generally safe, unexpected incidents can still occur. Cover yourself by buying travel insurance. It has the potential to save you thousands of dollars while also giving you peace of mind. I never leave home without it!
 

5 Common Scams in Southeast Asia

While Southeast Asia is generally quite safe, there are still a few common travel scams. Here are four of the most common scams — and how you can avoid getting fooled by them!

1. The Taxi/Tuk-tuk Overcharge
This is one of the most common travel scams out there — you’ll encounter it all across Southeast Asia. Either the driver will tell you the taxi meter is broken and try to charge you a high rate, or you’ll see the cost on the meter skyrocket faster than Superman!

For tuk-tuks, you’ll need to negotiate in advance, because drivers will quote a price much higher than what the ride should cost. To avoid being ripped off, you’ll first need to know how much your ride should cost. The best way to figure this out is to ask your hostel or hotel staff for a quote so you have a frame of reference (or google it, if you’re just arriving).

If the driver tries to negotiate the rate with you, offer them the correct rate. If they refuse, just leave and find someone who will put the meter on. (Then, if the meter seems to be going up too quickly, have them pull over and get out.)

Many tourism boards let you report bad cab drivers, so be sure to always make a mental note of their ID number when you get in the cab.

2. Motorbike Scam
Southeast Asia is a great place to rent a scooter or motorcycle and get off the beaten path. But there is a common scam you’ll want to be aware of.

Here’s how it goes: You’ll rent a bike and then when you bring it back, the owner will demand additional payment or expensive repairs because there is some “damage” you didn’t know about. Sometimes the owner will send someone to mess with the bike or steal it so you have to pay.

To avoid this, take photos of the bike first to document any previous damage. Go around it with the owner so they know what you are taking pictures of.

Once you rent it, use your own lock and keep the bike out of sight and off main streets when you park it.

Also, always make sure you buy travel insurance so you can make a claim if there is an issue.

3. Your Attraction is Closed for Lunch
I admit, I have fallen for this one before. A friendly local will approach you and inform you that the attraction you want to visit (often a temple) is closed for any number of reasons (religious ceremony, holiday, etc.).

They’ll then try to guide you to a different attraction (or often a shop), where you’re heavily pressured to purchase something or pay a high admission price.

To avoid this scam, be sure to ask your accommodation staff before you leave to confirm that the attraction is open. Then find the main entrance or ticket counter and see for yourself. Opening and closing times are almost always available online too, so you can often look them up just to be safe.

Generally speaking, most attractions in Southeast Asia don’t close for lunch. They either close for the day or not at all.

4. The Drug Deal Gone Bad
This scam is common anywhere there is a party in Southeast Asia. You’ll be in a popular tourist area (usually a party place) and someone will offer you drugs.

If you say yes, before you know it, a real cop is will be on the scene! They’ll insist that they are going to arrest you unless you can pay a hefty fine right there (i.e., a bribe).

Caught red-handed, you’ll probably pay the bribe rather than go to jail. Simply put: Don’t buy drugs in other countries!

5. The Taxi Scam
Only use taxis that use a meter. If the meter is rigged or they refuse to use it, just get out and find a new taxi (more on this below!).
 

Is the Food Safe in Southeast Asia?

If the food weren’t safe here, I’d likely never come back. Street food is almost always safe (it’s important to the cultures of the locals). In fact, it’s usually more safe than restaurants, because the operation is so simple and the turnover so fast.

When looking for somewhere to eat, find a place with a crowd, as well as one with children — if parents think it’s safe for the kids, then it’s safe for you! Anywhere with a lot of people (specifically locals) is a good indicator that the food is both good and safe.

Be sure to wash your hands before eating (hand sanitizer is good for that), as you’ll likely have been out and about all day and may have picked up all sorts of germs.

 

Can You Drink the Tap Water in Southeast Asia?

The tap water in Southeast Asia will vary from country to country, but as a general rule I would not recommend you drink the water unless you have a water purifier like the Lifestraw or Steripen.

 

Are Taxis Safe in Southeast Asia?

Taxis in Southeast Asia are safe — but they also have a reputation for overcharging (see above) or taking longer routes to dive up the fare.

Always make sure your driver is using the meter (and that the meter is not moving overly quickly). If you encounter a problem, simply get out and find a new taxi.

A better option is Grab or Uber (depending on where you are). You’ll be able to see your driver, track your ride, and make complaints if you have a problem. It’s the best way to get around, when available.

 

Is Southeast Asia Safe for Solo Travelers?

Southeast Asia is one of the best places in the world for solo travelers. There are tons visiting the region each and every year, many of them traveling solo for the first time (it’s great for both new and veteran travelers alike).

With a little common sense, a solo traveler won’t have to worry much about safety here. There is a well-worn backpacker trail, so you’ll never be far from other travelers. That means it’s easy to meet people in case you decide you’d rather travel in a group for some (or all) of your trip.

 

Is Southeast Asia Safe for Solo Female Travelers?

Female travelers have additional safety concerns they need to be aware of. That being said, Southeast Asia is still one of the best (and most safe) regions for solo female travel.

By following the tips above, as well as the same precautions you’d take at home (such as not wandering alone at night intoxicated, keeping an eye on your drink while at the bar, etc.), a solo female traveler will be able to have an amazing visit to Southeast Asia without worrying too much about her safety.

And as mentioned above, with so many solo travelers — including many women — in the region, it’s easy to find others to spend time with in case you’re feeling insecure or unsafe.

 

Should You Visit Southeast Asia?

So, is Southeast Asia safe?

Absolutely!

It’s super unlikely that anything will happen. And even less so if you follow the advice listed above.

Be sure to get travel insurance just in case something goes wrong. The past is not prologue and you always want to play it safe. Travel insurance was there when I lost my bag, broke my camera, and popped an eardrum while diving in Thailand. I never expected those things to happen and was glad I had insurance! You can use the widget below to look up the travel insurance policy that is right for you (or just click here to go to their website directly):

 

Book Your Trip to Southeast Asia: 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 being left unturned.

Book Your Accommodation
You can book your hostel with Hostelworld as they have the largest inventory. If you want to stay somewher eother than a hotel, use Booking.com, as they consistently return the cheapest rates for guesthouses and cheap hotels. I use them all the time. Some suggested places to stay in the region are:

  • Golden Mountain Hostel (Bangkok) – This is a new hostel with dorm beds built into the wall for added privacy. Each room sleeps eight people and the décor is super beautiful and well thought out. The mattresses are soft too!
  • Sla Boutique Hostel (Phnom Penh) – This is a nicer hostel that’s well designed and great for meeting like-minded travelers. The staff are super helpful and it’s located near lots of bars, attractions, and restaurants (but the hostel itself is pretty quiet).
  • Coral Hostel (Singapore) – With all day breakfast, fast Wi-Fi, and AC, this is a great choice for the budget-savvy traveler. Everything is new and clean, and they also have female-only dorms.
  • Kememai Hostel (Ubud) – This hostel is small and cheap, but the staff are friendly and it has everything you need for a comfy budget stay.

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 — and I think they will help you too!

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

The post Is Southeast Asia Safe for Travelers? appeared first on Nomadic Matt's Travel Site.

Announcing My Summer Book Tour

driving down a road with tall trees hanging overhead
Posted: 6/19/2019 | June 19th, 2019

Last month, I announced the release of my next book, Ten Years a Nomad: A Traveler’s Journey Home.

It’s about how I became a traveler, my life as a backpacker, all the lessons I learned, and what those lessons mean for travelers. It features stories I’ve never told and goes deeper into my philosophy on travel than I ever have on this blog.

This book follows the “emotional” journey of a trip around the world: getting the bug, the planning, setting off, the highs, the lows, the friends, what happens when you come back — and the lessons and advice that come with all that.

And the early reviews have been pretty good!

Ten years a nomad book cover“In his heartfelt explanation and exploration, Matt runs through just why he’s been out there, backpacking the world for 10 years. By the end we’ve definitely realized, like Matt, how important travel is and how getting out there, on the road, can make you, me and the world a better place. It’s a great pity certain people at the very top of the world’s power pyramid never had just a little taste of the nomadic experience.” – Tony Wheeler, founder of Lonely Planet

“Throughout his ruminations on how travel affected him, Kepnes interweaves his tales of friends, girlfriends, and great loves discovered among exotic backdrops and how starting a blog (nomadicmatt.com) about his adventures altered the way he traveled. His story is one of heartbreak, self-discovery, and the constant travel itch he had to scratch in order to become the man he was supposed to be. An entertaining, quick read by a man who did what many of us only dream about.” – Kirkus Book Reviews

10 Years a Nomad book review

The book comes out July 16th and I’ll be doing a book tour across the United States and Canada over the course of the summer!

If you want to join the book tour, here are our dates:

Ten Years a Nomad Book Tour

July 16 New York, NY: The Strand Bookstore @ 7pm EVENT DETAILS
July 17 Boston, MA: The Harvard Coop @ 7pm EVENT DETAILS
July 18 Philadelphia, PA: Penn Book Center @ 6:30pm EVENT DETAILS
July 22 Washington DC: Politics and Prose at the Wharf @ 7pm EVENT DETAILS
July 23 Miami, FL: Books & Books @ 8pm EVENT DETAILS
July 24 Tampa, FL: LOCATION TBD EVENT DETAILS
July 30 Detroit, MI: LOCATION TBD EVENT DETAILS
July 31 Chicago, IL: City Lit Books @ 6:30pm EVENT DETAILS
August 1 Dallas, TX: LOCATION TBD EVENT DETAILS
August 5 Austin, TX: Book People @ 7pm EVENT DETAILS
August 6 Houston, TX: Brazos Bookstore @ 6:30pm EVENT DETAILS
August 7 Denver, CO: Tattered Cover – Historic Lodo @ 7pm EVENT DETAILS
August 8 San Diego, CA: Warwick’s @ 7:30pm EVENT DETAILS
August 12 Los Angeles, CA: The Last Bookstore @ 7:30pm EVENT DETAILS
August 14 Portland, OR: Powell’s Books at Cedar Hills Crossing @ 7:30pm EVENT DETAILS
August 15 San Francisco, CA: Book Passage at Corte Madera @ 7pm EVENT DETAILS
August 16 Seattle, WA: Third Place Books @ 6pm EVENT DETAILS
August 19 Vancouver, BC: LOCATION TBD EVENT DETAILS
August 22 Calgary, AB: LOCATION TBD EVENT DETAILS
August 26 Toronto, ON: LOCATION TBD EVENT DETAILS
August 28 Montreal, QC: LOCATION TBD EVENT DETAILS

Hope to see you on the tour! It’s my first one in over four years and I’m very excited about it. It’s going to be a whirlwind!

And, as a reminder, I’m doing a pre-sale bonus so if you order the book in advance you can get free copies of my other books, one-on-one travel planning advice, free attendance at TravelCon, blogging courses, free hostel stays and flights, and more!

The packages are listed below. All you need to do to claim your bonuses is email me a copy of your receipt at matt@nomadicmatt.com.

The Basic Package (cost: $18, value: $48)
Purchase one copy of the book and get:

  • How to Build a Travel Blog ebook (value: $9.99)
  • The Ultimate Guide to Travel Hacking ebook (value: $9.99)
  • 27 Ways to Be a Master Traveler PDF (value: $5)
  • 50 Inspiring Travel Books and Movies PDF (value: $5)

***BEST VALUE*** The Tenner (cost: $182, value: $794)
Buy 10 copies of my book and get ALL THE ABOVE plus:

  • My 12 city and country guides (value: $150)
  • A signed copy of my book How to Travel the World on $50 a Day (value: $15)
  • A 15-minute planning call with me (ask me anything)! (value: $200)
  • The Business of Blogging course (value: $199)

The Bullseye (cost: $900, value: $2,493)
Buy 50 copies of my book and get ALL THE ABOVE plus:

  • One ticket to TravelCon in Boston (value: $399)
  • A 30-minute planning call with me (ask me anything)! (value: $400)

SUPER BONUS! The Centennial (cost: $1,800, value: $7,193)
Buy 100 copies of my book and get ALL THE ABOVE plus:

  • Lunch on me! I’ll come to your city and we’ll have lunch on me! (limited to those in the United States and Canada) (value: $2,000)
  • Round-trip airfare to TravelCon in Boston (from within the US and Canada) (value: $500)
  • One additional ticket to TravelCon in Boston (value: $399)

Conversely, if you’re not a blogger and don’t care about TravelCon, you’ll get four nights at any hostel in the United States and one round-trip domestic airfare.

SUPER BONUS! The Big Kahuna (cost: $4,500, value: $19,293)
Buy 250 copies of my book and get ALL THE ABOVE plus:

  • I’ll come to speak at your event for free! (value: $5,000)
  • You’ll be flown to NYC (from within the US and Canada) the book launch party, put up in a hotel for two nights, and get dinner with me! (value: $3,000)

Note: All digital bonuses will be sent when you send the receipt. Travel arrangements will be worked out between you and me and are valid for six months after purchase (i.e., you have to make a booking by then).

Order the book today, get your bonuses, and share your love of travel!

An amazon blue purchase button A blue Barnes and Noble purchase button
 

Want to Help Me Spread the Word About This Book?

I’m always looking for more opportunities to talk travel. Here’s how you can help me spread the word about the new book:

Want to interview me?
If you have a blog, podcast, vlog, or Instagram channel and want to interview me about the book and travel, let me know at matt@nomadicmatt.com using the subject line “Book Interview.” I’d love to talk with you!

Are you in the media and want to cover the book?
If you work for a major media outlet and want to interview me about the book or would like to review the book, let me know at matt@nomadicmatt.com using the subject line “Media Request.”

Know anyone that I should reach out to for promotion?
If you have suggestions on people who would love a copy of this book and would be a good fit for promoting the book, let me know in the comments, or feel to email me at matt@nomadicmatt.com with the subject line “Book Promotion Help.”

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 Announcing My Summer Book Tour 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

The post Ads? On this Site? What? Why? appeared first on Nomadic Matt's Travel Site.