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However, the truth is that today during a trip around the backpacking heart lands of Southeast Asia, Latin America, Australia or Europe you are not going to be in much danger of Ebola, lack of banks, hardened rebel groups, squalid accommodation, impossible visas or (with a realistic budget) really much outside your comfort-zone.For the most travel has got easier and easier over the last decade with huge changes in the last five years driven by the Internet.It is all very difficult to know what is fact and fiction. With so much to take on board and so much trepidation when you may have have never travelled before it is no wonder that so much money and time is spent and wasted on jabs, pills, visas, insurance and general 'worry'.
Cheaper policies are fine for the important health aspect, but don't expect to have your US0 camera/laptop, a dive or any previous medical condition covered.
We try and cater (and encourage) those heading to more exotic (less visited) destinations, but recognise that 95% of travelers head to a few very well trodden destinations/regions.
Read, understand, gain confidence and moreover pay for what you actually needed before you go, not what a message of worry tries and sells you.
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It seems everyone has a story to tell or advice to give about a friend who travelled or something they did (often long-ago when the world was very different place).