This Is What I Feel About Backpacker Travel Insurance!

At heart, I’m a backpacker. Despite having traveled extensively for more than ten years, I still enjoy taking inexpensive trips and value the experiences more than opulent lodging and transportation. I still enjoy meeting people from the community, eating as much local food as I can, and staying in hostels.

Despite what the general public believes, backpacking is about finding value, not about saving every penny. You must budget your money carefully if you want to travel in style and authenticity without going over budget.

Getting travel insurance is also one of the best decisions you can make if you plan to go on an international backpacking trip. I understand that purchasing travel insurance may seem like just one more thing to eat into your budget. It was a thought I had as well.

However, in the unlikely event that something goes wrong during your trip, it could also save you thousands of dollars. That, if you have a backpacker travel insurance.

Furthermore, I can tell you with confidence that something will go wrong because I have spent more than twelve years traveling the world. Here is all the information you need to know about purchasing backpacker travel insurance to help you stay safe on your next trip.

Why Do You Need A Backpacker Travel Insurance?

Why Do You Need A Backpacker Travel Insurance

You should purchase travel insurance because mishaps do occur. Things go wrong whether you’re in the country or overseas. You probably have access to trustworthy medical facilities and medical care when you’re at home.

That isn’t always the case when you are on the road.

Serious injuries do occur, despite their rarity. And it’s always preferable to err on the side of safety. However, insurance isn’t limited to urgent medical care. It also discusses a number of incidents that are far more frequent than you might imagine!

I’ve had my bags stolen, had to visit a hospital abroad, and even had a stabbing while visiting South America.

Even though thinking about these things all the time is unpleasant, you really should be ready for anything. Although it is ideal that you will never need to use your insurance plan, you should make sure you have the necessary coverage in case you do.

What Does A Backpacker Travel Insurance Cover?

What Does A Backpacker Travel Insurance Cover

Here’s a brief summary of the following items your backpacker insurance should cover:

  • Coverage for the majority of global nations
  • Emergency medical situations (hospitalization costs for surgery, medical evacuation to the closest hospital)
  • Flight cancellations and delays
  • Trip cancellations (caused by a family member getting hurt or dying)
  • Emergency evacuation (caused by harm or a natural disaster)
  • Dental emergencies
  • Misplaced or pilfered luggage
  • Death overseas

I understand that you like to travel light as a backpacker. After all, insurance isn’t free, which makes it appear like a burdensome and pointless expense. However, paying a few dollars a day is far less risky than losing your entire life savings in the event of an emergency while you are uninsured.

What Does A Backpacker Travel Insurance Not Cover?

What Does A Backpacker Travel Insurance Not Cover

Travel insurance typically covers most medical expenses and accidents related to travel, but it’s crucial to understand what it does and does not cover. After all, knowledge is power.

The majority of policies for backpackers do not cover:

  • Incidents that occur when engaging in extreme adventure sports, such as bungee jumping, hang gliding, or paragliding
  • Drug and alcohol-related incidents
  • Negligence or carelessness (like if you leave your bag unattended and it gets stolen)
  • General examinations or pre-existing conditions
  • Cash that has been stolen
  • If your government hasn’t issued an evacuation order due to civil unrest but your destination becomes unsafe (unless you have more advanced coverage from a company like Medjet)
  • You will not be eligible for trip cancellation coverage if you change your mind about the trip or break up with your travel companion or unfriend them.
  • You won’t receive reimbursement if you choose to postpone your travel if your visa to a destination is denied.

As a backpacker, there are only two companies that are worth using. Safety Wing and Insure My Trip.

Safety Wing

Safety Wing

This is the first and my personal favorite backpacker travel insurance.

Safety Wing was founded by Norwegian digital nomads who live in California. They serve low-cost travelers and remote workers by providing basic plans at incredibly low costs. Their $250 USD debit keeps the monthly fee low, and you can renew your plan while traveling abroad, making them the best option for frequent travelers. Although their coverage isn’t as extensive as that of other companies, it still covers the essentials, which makes them a good option for budget-conscious travelers.

Here is a brief overview of Safety Wing:

  • Incredibly cheap plans (with a deductible)
  • Able to buy and renew plans while traveling
  • Online claim submission is available.
  • $250,000 USD for urgent medical attention
  • Amiable and accommodating customer support
  • You retain your medical coverage in your home country for 30 days after returning from a 90-day trip (15 days if you live in the US).
  • Ideal for thrifty travelers and digital nomads

Insure My Trip

Insure My Trip

Insure My Trip is the second option.

With the aid of a policy aggregator called Insure My Trip, you can evaluate insurance providers and plans to find the one that best suits your needs and price range. Plans from more than 20 different insurance companies are available for comparison, and there are many reasonable options for travelers.

Retirees and other senior adventurers turn to Insure My Trip because they offer comparisons from insurance companies that cover older travelers (many travel insurance companies do not cover travelers over the age of 65). The main advantage of using Insure My Trip is their promise that you won’t find a better deal on the same policy anywhere else!

Here is a brief overview of Insure My Trip:

  • Low prices assured
  • Protection for elderly passengers over 65
  • “Anytime Advocates”: If you believe your claim was wrongfully rejected, ask the insurer to review it again.
  • Evaluates 23 different providers to guarantee you receive the greatest deal
  • Reviews of every policy to see what other passengers have to say

Wrapping Up

I always have travel insurance when I leave the house. I know firsthand how beneficial it can be. Over the years, it has prevented me from having to spend thousands of dollars on headaches.

The whole point of backpacking is to experience incredible, life-changing adventures without going over budget. Additionally, purchasing backpacker travel insurance is the best way to protect yourself from high (and unnecessary) expenses (keep in mind that Safety Wing is my top choice!).

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Sarmind is a Writer and an aspiring Editor who has experience in various short and long-form niches. Her academic pursuits intensely mold her industry background in content creation. She holds a Master's degree in Literature, and when not writing for professional purposes, she can be found re-reading old classics of Jane Austen and the Brontë sisters. She is super fond of cats and enjoys hours of doom-scrolling through memes on social media while cuddled up with a cup of desi chai. She likes to think she is an intellectual badass (colloquial: nerdy bore), and now all she needs is a sewing kit to complete the look!

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Stull Cemetery: How To Visit The Gates Of Hell In Stull, Kansas

BY RashmiNov 3, 2021

Every traveler has individual preferences. Some like to explore historical places. Some like to spend their time on the beach. But when you are a person who likes the thrill feel with haunted chilling experiences, you must visit the stull cemetery gates of hell Kansas. The place is very near to west Lawrence. The stull cemetery is just 10 miles away from Lawrence city. This entirely small town is a popular tourist place for its terrifying supernatural history and experiences.  The town is starting to gain popularity after the people experience the supernatural activities around them. But, unfortunately, even some of the rumors are also associated with the devils and the cults. So let’s see some facts about the haunted stull cemetery in Kansas. Where Is This Stull Cemetery Kansas Is Located? Image Source People are calling the Stull cemetery the gates of hell, Kansas. The Stull Cemetery is located outside of Stull, Kansas. From Lowrance city, it is only 10 miles away. The small and tiny town was settled by Dutch settlers from Pennsylvania. In 1899 first time, the town had its own post office, and after opening the post office, the town was renamed by the name of the postmaster Sylvester Stull. The stull cemetery gate of hell is in the town.  The cemetery contains multiple tombstones and German-sounding names. If you are already in Stull town, you can easily find the church and the cemetery. Supernatural Activity Experiences In Stull Cemetery Like the other old graveyard and the cemetery, this stull cemetery also has a thrilling and chilling ambiance. The old graves dated back from 1850 are present here. So when you are going to visit the place for the first time, you will see all the signs of the old cemetery.  If you are searching for a haunted place to click the pictures, this is going to be the best selection for the purposes. Based on the rumors, all the supernatural activities started in 1974. And in 1980, a supranational article was posted in the school newspaper and described the reason for calling the stull cemetery gateway of hell. In that article, the writer said the stull cemetery is one of the gates of hell. However, when the journal is published, few students are interviewed, and the students share their experiences about their supernatural activities during their cemetery visit. After this news posting in 1988, around 500 people are gathering in the stull cemetery in the Spring to take a glimpse of the devil. From that time, the stull cemetery became a very popular haunted tourist spot.  Let’s see some historical facts of Stull cemetery. Why Is The Stull Cemetery Called The Gates Of Hell? The stull cemetery rumors are so thrilling that every passerby and traveler always feel the supernatural presence near the place. The cemetery's stories are like this: the cemetery has the grave of Saturn’s child. And every Spring, Saturn comes over to the site to see his child’s grave.  This is why visitors are starting to visit the place to take a glimpse of Saturn during Halloween and the spring. The local people believe this is an evil place. And the cemetery has a hidden stairway of hell. However, the old building and the burned church structures stand still and give the place a calm and cold thrilling feeling. This cemetery has many old graves dated back to the 18th century. Apart from the haunting impression, this place has a substantial historical value. When you are walking under the burned church, the cold air will surely give you a chill feeling. When Did The Stull Cemetery Church Burn Down? The Stull cemetery has an ancient church. The church’s age is the same as the old gravestones of the cemetery. This old church was first founded in 1859. And the church was named Evangelical Emmanuel Church. This old church was made with wood. The Evangelical Emmanuel Church was demolished in 2002 due to the fire. Before demolishing the church and the cemetery, both were addressed as haunted places. This demolition is part of the vandalism, and this place has a very sinister reputation. The church rumors that you will get a stair to walk down the hell under the burned church. The rumors about Saturn are like this: he has a romantic relationship with a witch. And they had a deformed son. So, in every spring, the Devil comes over the ground by these stull cemetery stairs and pays a visit to his son’s grave. This is why the local people believe that the old church is holding one gate among the seven gates of hell. Are There Any Rules For Legally Visiting Stull Cemetery? Every local person believes the stull cemetery supernatural force is present, and many visitors are experiencing various whispering-like sounds. If you like to hear with the sounds of hell, you must visit the place and experience the thrilling supernatural feelings. When you are going to reach the stull cemetery, you will see many notices like no trespassing and more like warnings. This is because the historic cemetery of Stull has various types of rumors about occult connections.  So most adventure-lover visitors like to visit the place after dark when nobody is around. But these types of activities are strictly prohibited. In many places, you will find warnings and restrictions. Halloween is the best time when the visitors are arranging the excursion. For the visitors, fixed hours are allotted. If you plan to explore the place after dark, in that case, there is a chance of penalty fines. The police are patrolling around the cemetery area. And for trespassers, they can charge more than $1200 in fines or six months jail. How To Visit The Stull Cemetery Gate Of Hell? When you are in Ks, you can quickly head towards the stull town. You only have to follow the N. 1600 Rd to reach your destination. The stull cemetery is on the north side of N 1600 Rd. So, when you are on Stull Rd, you just have to head east of E.250 Rd, and you will go to find your destination on the north side of the N. 1600 Rd. The whole area of the stull cemetery is filled up with various historical structures. During the visit, you can see these art effects and explore the place. But the perfect time to visit the place is Halloween and the season of spring. This time the whole environment of the site is turning to be very mysterious and calm. Weird Facts That Are Actually Scary About The Stull Cemetery! According to the show Supernatural, the Stull Cemetery has the gates of hell and anyone who finds it will never come back. The place is quite popular with regards to seven of the reputed places where people can descend to the darkest realms of the earth. The legend says that the staircase appears once a year and if it is revealed to a person, you can descend into the grave and into the underworld. People are often seen interested in this urban legend as many have visited the cemetery during Halloween. Apart from the tales, the cemetery is considered cursed as in some versions Satan visited a grave which is of his infant son. Sum It Up: The environment of the stull cemetery is very mysterious. So if you are in search of a thrilling haunted ambiance, this place can be your perfect selection. Ks and Lawrence city both are near to this place. By a simple car drive, you can reach the stull town and cemetery. Are you planning to take the thrilling haunted experiences? Do not forget to share your traveling experiences in the comment sections. Read More: 10 Best Things to Do in Dublin (Ireland) 10 Amazing Things To Do In Medellin 10 Best Things To Do In Navarre Beach, Florida In 2022

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Thinking Of A Fiji Cruise? Tips To Get You Started

BY Nabamita SinhaSep 29, 2023

Australians and New Zealanders have learned to appreciate the pristine beaches, crystal-clear waters, and tropical adventures that the South Pacific has to offer. If you’re going on vacation, then look no further than the magical islands of Fiji because this destination has all the things that you need. See more about Australian-Fiji relations on this site here. Exotic birds, lush greenery, and refreshing beaches are just right on your doorstep, and it’s just a few days away from Brisbane or Sydney by ship. Explore these idyllic destinations at your own pace while enjoying the luxuries of a floating resort. However, before you set sail on this unforgettable journey, there are a few things to consider, and below are some valuable tips and insights to help you plan the perfect Fiji cruise experience. Whether it's choosing between small or large ships, or finding ways to save more on your voyage, below is some helpful information for you. Considerations for Your Fiji Cruise Year-round cruises are available, but the summer in Vanuatu, where it’s the most humid and hottest time is between November to March. Fiji temperatures can average between 26 to 31 degrees Celsius. Families with young children can be expected to be on board from December to January when the annual holidays are, so you might want to schedule your vacation when it’s not too busy. Itinerary Variety Islands in Fiji are more than 300, and only a hundred of them are inhabited. While it’s true that you can enjoy the resorts on each of them, you can only explore the rest by ship. Buying an exclusive yacht isn’t an option, but there are cruises in Fiji that can help you explore untouched destinations and off the beaten tracks. All of these can be done while you’re sleeping in comfortable cabins at night and waking up to a hot cup of coffee in the morning. Duration Choose among 12 or 17-night journeys and embark on either Auckland, New Zealand, or Sydney, Australia. This is going to give you enough time to visit popular ports like Mystery Island, Honolulu, Noumea, Suva, and Lautoka. Unwind in inhabited islands with underwater shipwrecks and beaches lined with coconut trees, or trek through the forest to feel the thunder of the Mele Cascades waterfall. Longer cruises often allow for more extensive exploration and give you ample time to immerse yourself in the beauty of Fiji, so don’t miss this opportunity. Activities and Excursions Snorkel at the beach and encounter sharks, and you can sail with the friendliest crew in Fiji. Small groups are guided by the crew and you’ll have the chance to feed the fish, get musical entertainment, view the turtles when in season, and get a delicious buffet lunch. Tribal face painting and fruit platters may also be onboard, depending on your chosen activities. Get a slice of paradise when you go into this ancient coral cay with its beautiful lagoon and surrounding fishes and experience the true meaning of tropical wonder. Onboard Amenities Are you looking for luxurious accommodations, fine dining options, or exciting entertainment choices? Sea-gazing is often the most popular, where the passengers have an obstructed view of the ocean in a glass-enclosed walkway. Others have slides that are not for the faint of heart, and other rides may also be available with splash areas that children can enjoy. Unique restaurants with affordable buffets or gourmets can also cater to your taste, so choose your ship well. Setting a Budget Basic room categories include the standard suites, balcony, and an outside view of the ocean. As you add more comfort, it becomes more expensive on the higher decks, where you can expect VIP access and exclusive amenities. Save money by going too early or late in the season and take a gamble with the weather. Look out for special deals or promotions that may help make your dream vacation more affordable. Small Ships vs Large Ships Cruisers may wonder about the difference in the size of the vessels when it comes to entertainment and dining choices. For those who don’t really mind the crowd, the best way to enjoy your luxury vacation in Fiji is through the big ships. It’s a big city where you can eat at different restaurants at night. There are endless possibilities where you can enjoy rope courses and see a lot of game shows and Broadway musicals. Rooms can be buzzing with extensive onboard activities such as pools, spas, casinos, and theatres, and there is never a dull moment in these floating resorts. They often feature spacious cabins with balconies for enjoying stunning ocean views, and you can read more about what to do at the ship at this link: https://www.escape.com.au/top-lists/top-tips-for-first-time-cruisers-11-things-ive-learnt-on-ships/image-gallery/c7a11bca07ecf3a65b7babf2d1d9da9a?page=1. Those who are on a honeymoon may prefer an intimate and personalized experience. With fewer passengers on board, you can expect more attentive service and the opportunity to form closer connections with both fellow travelers and crew members. The small groups also allow people to access remote locations that larger vessels cannot reach, giving you the chance to explore hidden gems and tropical havens. How to Save More on Your Cruise? As new ships are being built, the cruises are becoming more affordable as the years go by. With proper research, savvy spending, and adequate planning, you’ll have a trip that you can enjoy without breaking the bank. Here are some tips to help you out. High-demand cruise lines may publish a cheaper deal when they first sell their tickets, but there can be an increase as more people are buying them. When you have more flexibility, get an excellent deal around 90 days before the actual departure in Fiji and track the fares on various websites. Call an expert to see selections of staterooms and cabins. Booking through them can be helpful because they do most of the research for you, and they rarely charge extra for the knowledge. They also get specialized access to the sale price, which can save you money. Package deals that include flights, accommodations, and cruises all in one price are ideal, especially if you plan a lot of excursions while you’re in Fiji. These inclusions can sometimes provide better value than booking each component separately. Read Also: This Is The Best Time To Visit Iceland & These Are The Things You Should Do! Top 12 National Parks In Florida That You Must Visit Is Machu Picchu Closing In 2023? Know It All Here!

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Top 5 Ways To Spend Your Time During A Long Flight By A Wanderlust At Heart

BY Ariana SmithJun 20, 2020

Travelling can be a very exciting thing. We often look to travel as a way of meeting new people, exploring different cultures, eating exotic cuisines, or just work. No matter what kind of expectation we have from travel, we often dread when it comes to spending long hours on the flight. Being cooped up in a tin can thirty thousand feet above the air cannot only be intimidating but also boring. What are you going to do for the six of seven hours (depending on the length of the flight) is something almost each one of us asks ourselves just after boarding? In this article, we will look at why flight time can be a drab affair, which can take the edge off your expectations. We also look at five major ways; you can spend time in an exciting and engaging manner on your long haul flight. Why everyone dreads a long flight? Let us get the basic problems out of the way- You cannot walk on the aisle for six odd hours There is a limit to how much you can drink Falling asleep at forty thousand feet is not an option for me There is a limit to how much I can talk to my co-passenger I travel ‘Economy’ so the in-flight entertainment is restricted and the food is just ok In a standard poll, which I did with fifty if my colleagues, 90% of them referred to one of the five problems I listed above. Not everyone loves flying. In fact, the people who love to fly are in a rare minority. Therefore, what do you do, if you have to spend so much time, in such a small space? The answer lies in the following section. 5 ways to spend your time during long flights: The List 1. Play Simulation Games-   If you are someone like me who likes simulation games, a flight is the best place to do that. Use your phone or your laptop and play away to your heart’s content. According to the gaming platform, Robomodo, a number of Americans catch up on Simulation games during domestic and international flights. I personally enjoy playing ‘Clash Of Clans’ on my flights. No shouting and no disturbances from family members mean I can binge play using the clash of clans mod apk. You can complete serious quests and challenges during your flight time. 2. Pen a Travelling Journal-   You do not have to be a blogger or a social media influencer to open your journal. Writing a diary while flying is soothing, calming, and relaxing in nature. Many people who write or maintain personal journals often complain about all the disturbances, which prevents them from penning their thoughts. This is why flying can be a great time, where you can write to your heart’s content. You can write about what you are expecting from the journey, list down some things you wish to experience, and so on. 3. Catch up on your Reading List- I was amazed to find my colleague, who is part of social media influencer and part an adventure nut being one of the most read women I know in my life. When I asked her when does she get the time to read, she said on flights. Most of us who are traveling once every week, or twice a month, can finish a number of books and authors during the flight. This helps in distracting you (if you are scared of turbulence like me) and compliments your knowledge and information base. Reading while flying is a great way to kill time. 4. Finish that Series you so wanted to-   Like so many people these days, I am addicted to watching Netflix series. However, I hardly find the time to catch up on it because of my busy schedule. When I am flying I make it a point to binge-watch the entire series during the flight. This way, I do not feel bad when I am not able to catch shows when they first release. I am not going to tell you how you can download the series, but a little birdie informed me of this platform called Torrent. The rest is up to you people. You can also download your favorite movies or podcasts, depending on your interest areas, ready for your flight. Don't want to have to pay for expensive airport WiFi? Some Spectrum internet plans let you tap into special WiFi hotspots with your regular plan, so it's well worth taking this into consideration and, if you fly regularly, you may even wish to switch internet plans so you can get this benefit. 5. Do something Creative and Innovative- Many people like to solve Crossword or play Sudoku on flights. I have always found that very interesting. I have also seen people solve puzzles, or play chess from an app to keep themselves engaged and occupied. If you are someone who wants to take a different approach to spend your time, you can definitely opt for crosswords, puzzles, and Sudoku among other things. It keeps the mind sharp and is good for improving your competitiveness. Conclusion The next time you have to take a long flight, you can take help from this article and plan accordingly. None of these things is too complicated to achieve. You will also not disturb your fellow co-passengers when you are doing any of the above-mentioned activities. Read Also: The Best Tips To Travel Around The World Top 10 Best Travel Apps To Use In 2019 6 Best Family Holiday Destinations In India The Ultimate Guide To Travelling When You Have No Money