True Traveller Insurance Review: Is It the Right Choice for You? 

Welcome to my True Traveller insurance review! This is the no-fluff, tell-it-like-it-is guide you’ve been searching for. 

If you’re anything like me, you know travel isn’t all sunsets and smooth sailing. 

One moment you’re conquering a mountain; the next, you’re Googling "nearest hospital" in a language you don’t speak. 

True Traveller promises to have your back when things go sideways, but does it deliver? 

I’ve dug into their policies, tried the tools, and read the fine print. If you’re wondering whether this is the safety net your next adventure needs, stick around because I’ve got answers.

Ready? Let’s roll.

What Is True Traveller Insurance?

True Traveller Insurance is for the adventurous souls who don’t want to be tied down. 

Backpackers, long-term travellers, and anyone who prefers flip-flops over office shoes; this is your crowd. 

They’ve built a reputation for tailoring insurance policies to fit the needs of free-spirited explorers, offering the kind of flexibility you won’t find with more traditional providers like AIG Travel or AXA Travel Insurance.

Their standout feature? 

You can buy or extend your coverage mid-trip. Let me repeat that: mid-trip. 

So, if you’re halfway through a motorbike journey across Vietnam and suddenly realise you forgot to sort out insurance, True Traveller has you covered. 

But does this flexibility make them the best? Not necessarily. 

Companies like Rise & Shield and SafetyWing offer similarly flexible coverage, often at a lower price.

If you're like me, you’re probably wondering, "What’s the catch?" Well, there isn’t a single insurer out there that nails it all perfectly. 

True Traveller’s focus on adventure travellers is refreshing, but you’ll want to read the fine print. Some exclusions can throw you off if you’re not paying attention. More on that later. 

Still, their approach feels more personal than the big players like Generali or Seven Corners. If flexibility is your thing, they might just be worth a closer look.

And on that note, let’s continue this True Traveller insurance review by looking at its pros and cons.

Pros and Cons of True Traveller Insurance

Here are the pros and cons of True Traveller’s insurance policies.

Now that we’ve looked at the pros and cons, let’s see what’s included in a typical True Traveller policy.

What's Included in True Traveller Insurance Policies?

So, what do you actually get when you sign up with True Traveller? 

I dug into their policies to see if they’re really offering the kind of coverage that makes sense for your adventures, or just a lot of nice-sounding promises.

Here’s what’s included in True Traveller insurance policies:

Medical and Emergency Coverage

Let’s start with the basics: medical and emergency coverage. True Traveller offers a solid foundation here. 

If you take a tumble down a rocky trail or catch something nasty in a far-flung jungle, their policies can cover the costs of treatment. 

Hospital bills, doctor visits, even emergency medical evacuation, they’ve got it sorted. For most travellers, that’s a huge weight off your shoulders.

But here’s the thing: coverage for pricier destinations like the USA and Canada isn’t automatic. 

You have to opt for it during purchase, and let me tell you, it’s not cheap. That said, this isn’t unique to True Traveller. 

Companies like AXA Travel Insurance and Seven Corners also charge extra for these regions, so it’s hardly a deal-breaker. 

Adventure Sports Coverage

If you're the kind of traveller who can't resist a good adrenaline rush, True Traveller has you covered. Well, sort of. 

Their policies include popular adventure activities like scuba diving and skiing, but the more extreme options? Those come at an extra cost. 

Want to tackle high-altitude trekking or try something niche like paragliding? Be prepared to upgrade your policy. It’s not the most straightforward system, but it does let you tailor your coverage to fit your plans.

That said, if adventure is your middle name, you might find better value elsewhere. 

Take Rise & Shield, for example. We include over 99 adventure activities as standard and offer add-ons that bring the total to a staggering 151. 

That means less worrying about whether your bungee jump is “covered” and more time focusing on the leap itself. 

Compared to that, True Traveller’s tiered approach can feel a bit limiting, especially if you’re the kind of traveller who likes to dabble in new thrills. 

Still, for mainstream activities, they do a decent job of keeping you protected. Just be sure to read the fine print. Nobody wants surprises at 12,000 feet.

Trip Disruption

When it comes to trip hiccups like cancellations, delays, or lost luggage, True Traveller does offer some protection. 

Their policies can help you recoup costs if your plans go sideways, whether it’s a flight delay that messes with your itinerary or a suitcase that decides to take its own vacation. 

It’s not groundbreaking, but it’s reliable.

That said, the coverage isn’t as extensive as some competitors like Generali, which goes a step further in handling travel delays. 

If you’re someone who packs your life into a bag, or depends on tight schedules, this might not be the most robust option.

Optional Add-Ons

True Traveller lets you bolt on extras for the things you really care about. 

Got a pricey camera or laptop you can’t travel without? You can add coverage for those valuables to your policy. 

Planning to skydive or get into some other extreme activities? There’s an add-on for that too.

It’s a nice touch for those with specific needs, but the costs can add up quickly. 

Compared to something like Rise & Shield, where many adventure activities are included as standard, True Traveller’s piecemeal approach feels less generous. 

Still, if you’re selective about what you add, it’s a good way to ensure you’re only paying for the coverage you actually need.

And on the topic of being selective, what’s not included in True Traveller policies? Let’s find out.

What's Not Included in True Traveller Policies?

Before you dive in, it’s worth knowing what True Traveller doesn’t cover. Some of these exclusions might make you pause, especially if you’re banking on their flexibility. Here’s the rundown:

Pre-Existing Medical Conditions

If you’ve got a pre-existing condition, don’t assume it’s covered. True Traveller only includes it if you disclose it upfront and they accept it during the purchase process. 

Skip that step, and you’ll be footing the bill yourself. It’s not unusual. Most True Traveller alternatives, including Rise & Shield, have similar rules, but it’s a reminder to double-check the details when buying your policy.

Extreme Adventure Risks

Thinking of base jumping or scaling a mountain at crazy altitudes? Don’t. 

Not unless you’ve confirmed True Traveller’s add-ons have you covered. And even then, some activities might be outright excluded. 

This is where adventure junkies might find Rise & Shield’s broader coverage more appealing, with over 99 activities included as standard.

Loss of Enjoyment

Here’s a hard truth: if your trip gets ruined but doesn’t involve something tangible like a cancellation or injury, you’re out of luck. 

War Zones or High-Risk Regions

True Traveller doesn’t include coverage for war zones or high-risk regions unless you pay extra. If your travels take you to those corners of the map, you’ll need to weigh the added cost against the potential risks.

Got that? Great? Still interested in buying a True Traveller insurance policy? Let me show you how the process works.

Using a True Traveller Policy

I found purchasing and managing a True Traveller Insurance policy is relatively straightforward. Here’s how I did it:

Step One: Get a Quote

First things first, you’ll need to get a quote. True Traveller’s website makes this step simple with their online tool. 

You plug in your trip details, choose your coverage options, and voilà. You get an instant quote. It’s quick, but not without its quirks. 

For instance, the tool doesn’t always make it clear which activities or destinations bump up your premium. My advice? Take your time exploring the options so you’re not hit with surprises later.

Step Two: Add Extras

Once you’ve got your base policy, it’s time to customise it. True Traveller offers a range of add-ons for things like electronics, valuable gear, and adventure sports. 

While this flexibility is handy, it can also drive up costs fast. 

If you’re someone like me who tends to over-prepare, you’ll want to double-check what you’re actually adding. 

Some extras, like winter sports, might be cheaper or even included as standard with competitors like Rise & Shield.

Step 3: Extend Mid-Trip (Optional)

One of True Traveller’s standout features is the ability to extend your policy mid-trip. Say you planned for three weeks in Indonesia but decided to keep going. It happens! 

With True Traveller, you can log in, pay the additional premium, and continue your adventure. 

It’s a lifesaver for the spontaneous traveller, but keep in mind that any changes may come with a recalculated premium. 

Flexibility like this isn’t universal, so it’s worth considering if your plans are open-ended.

Now, what do you do if disaster strikes and you must file a claim with True Traveller? Let’s continue this True Traveller insurance review and find out. Buckle up.

Filing a Claim with True Traveller

So, disaster has struck and now you must file a claim with True Traveller. Here’s what you can expect:

Step One: Prepare Your Documents

The first step in filing a claim is getting your paperwork in order. This means receipts, medical records, police reports, basically anything that proves your case. 

True Traveller isn’t unique here; all insurers ask for documentation. But trust me, the more detailed you are, the smoother things will go. 

If you’re like me and tend to lose track of things mid-adventure, consider keeping digital copies of important documents on your phone or cloud storage. 

It’ll save you a headache when it’s time to file.

Step Two: Submit Online

Once you’ve got your documents ready, head to True Traveller’s online claims portal. It’s straightforward, with step-by-step prompts to guide you through the process.

Upload your files, fill in the details, and hit submit. 

While the system is user-friendly, I found it a bit minimalist compared to the polished claims platforms from providers like AXA or Rise & Shield. 

Still, it gets the job done without requiring you to play phone tag.

Step Three: Follow Up

After submitting your claim, don’t just sit back and wait. Stay in touch with their team to ensure your claim is progressing. 

Most users report a decent experience here, but occasional delays or denials can pop up, especially if your claim skirts the edges of their policy. 

A polite but firm email or call can work wonders. 

My advice? Be patient but persistent. Nobody likes chasing down a payout, but it’s better than being left in the dark.

This almost concludes my True Traveller insurance review. Before we wrap this up, let’s have a quick look at other True Traveller reviews.

Other Online Reviews of True Traveller Insurance

After a bit of digging, I found that the travel community has mixed opinions about True Traveller.

On Trustpilot, True Traveller boasts a commendable rating (4.5 stars out of over 3,300 reviews), with many users praising their responsive customer service and comprehensive coverage. 

However, a few reviews mention hiccups in the claims process, particularly when dealing with complex situations.

Diving into forums like TripAdvisor, I found another mix of opinions.

Some travellers appreciate True Traveller's tailored policies for adventure seekers, while others share cautionary tales about challenges in the claims process. 

One user recounted difficulties in getting reimbursed for medical expenses incurred in Japan. Yes, this highlights the importance of thorough documentation and clear communication.

Ready to wrap up this True Traveller insurance review? Here’s my final verdict.

My Final Verdict

True Traveller Insurance has carved out a niche for adventurous travellers who value flexibility. 

Their ability to offer mid-trip extensions and coverage for adventure sports makes them a standout option for backpackers and globetrotters who don’t always stick to a plan. 

If you're planning a high-energy adventure, their tailored policies can give you peace of mind, provided you understand the limitations.

That said, they’re not without their flaws. 

The add-ons can quickly drive up costs, and the claims process, while generally smooth, has had its share of hiccups. 

Compared to providers like Rise & Shield, which includes a wider range of activities as standard, True Traveller’s tiered approach might feel a bit restrictive for some. 

And their exclusions, like certain high-risk adventures or pre-existing conditions, mean this isn’t a one-size-fits-all solution.

So, is True Traveller the best choice?

If you're like me and value customisation over a blanket policy, they’re worth a look. But if you prefer all-in-one coverage or are heading somewhere with complex risks, it might be worth comparing them to other providers.

My Final Thoughts