Top-Picked Insurance Plans for Perpetual Rovers
Affordable Travel Insurance Options for 2025
Travelling in the new year comes with its own set of uncertainties, but finding an affordable travel insurance plan doesn't have to be one of them. Here's a breakdown of some budget-friendly options for both short-term and long-term travel.
Short-Term Travel
For those planning a short trip, Berkshire Hathaway's ExactCare Value plan is a decent choice. Offering comprehensive coverage, including 100% trip cancellation, $15,000 emergency medical cover, $100,000 medical evacuation, and optional Cancel For Any Reason (CFAR) protection, this plan costs an average of $154 per trip. Another budget-friendly option is Allianz's plan, providing $10,000 trip cancellation and emergency medical coverage for approximately $130 annually, suitable for 1-2 trips per year. For the most budget-conscious travellers, Pacific Cross offers low rates starting at $80 annually, but with limited coverage ($3,000 trip cancellation/interruption), making it ideal only for short, inexpensive trips.
Long-Term Travel
For extended international travel, HTH Travel Insurance is a popular choice, specialising in long-term international travel plans. Travelex Insurance’s Ultimate plan covers trips up to 180 days, includes a child travelling companion for free, and offers optional cancel-for-any-reason coverage covering up to 75% of trip costs. Travel Guard also provides annual multi-trip plans covering multiple trips of up to 90 days and many customizable add-ons to suit long-term travelers’ needs.
Deductibles and Coverage
With IMG Global, you can choose a deductible from $250-$10,000 for their long-term worldwide medical coverage, which does not cover theft or trip cancelation. HTH Worldwide provides full international medical insurance, including the United States, with no limits as to how long you are in the US. Notably, HTH Worldwide waives the deductible for regular doctor checkups.
Other Considerations
Before embarking on your journey, it's essential to verify whether your current health insurance provides coverage internationally. Homeowners or renters insurance may cover your belongings when you're travelling in foreign countries. Additionally, many travel credit cards include some basic travel, theft, and even car insurance, so it's worth checking with your card company.
Budget Options
For budget-conscious travellers, SafetyWing offers affordable travel and health insurance options for both travellers and digital nomads. Their Short-term Essential plans start at only $56 per month, and they offer add-ons for theft or adventure sports. For those requiring long-term coverage, SafetyWing's Global Gold (1 year policy) costs $74/month with a $1000 deductible.
In conclusion, there are numerous affordable travel insurance options available in 2025, catering to both short and extended travel needs. By doing some research and understanding your specific requirements, you can find a plan that balances affordability and coverage for your next adventure.
The finance department of Berkshire Hathaway offers a budget-friendly travel insurance plan, ExactCare Value, for those embarking on short-term trips, priced at an average of $154 per trip. For digital nomads and budget-conscious travelers seeking long-term coverage, SafetyWing provides affordable travel and health insurance options, with their Global Gold policy costing $74 per month.
