Backpacking is a fantastic way young people, on a tight budget, can explore the world. However, going away on such a trip comes with a few risks for which you need to a have backup plan, at least from a financial standpoint.
Backpacker travel insurance will see to it that your financial needs are met in the event that the unexpected happens during your trip. Backpacker cover is fairly inexpensive – knowing what to look for can help you get the best cheap travel insurance for your needs.
What Does Backpacker Travel Insurance Cover?
The right backpacker travel insurance will ensure that you’re covered for such things as medical emergencies including ambulance and hospital stay costs, repatriation should you need to be brought back home for treatment, personal liability in the event that you’re involved in a car accident that causes harm or damage, baggage and personal effects loss, trip cancellation or delay, and more.
Travelers will have the option to add to their policy by choosing extra cover for sports activities such as water skiing, scuba diving, bungee jumping, paragliding, as well as list of winter sports. These are essentials for the backpacking adventurer.
Benefits of Backpacker Insurance
An advantage of backpackers travel insurance is the fact that you can get cover for an extended trip abroad, up to 12 months or even 24 months in some cases. Other types of travel insurance such as single trip only cover trips up to 60 to 90 days. You can also structure your policy to include cover for a multitude of countries without having to arrange cover for each separately.
Many backpackers plan on periodically doing some work during the trip to help fund their travel expenses. Backpacker insurance comes with options to cover such jobs as bar work and fruit picking.
Some insurance providers even offer options that allow you to come home during the trip, for whatever reason, without risking the cancellation of your policy.
And as is the case for most types of travel cover, backpacker insurance comes with 24-hour assistance that can be reached from anywhere in the world. Whether you’re in need of some emergency cash or simply looking to have a question answered by English speakers, help is only a phone call away.
Backpacker Travel Insurance Exclusions
An important aspect of buying insurance is knowing what is not covered. Although it would be nice if it did, a policy does not cover everything. Therefore, it is important to ensure you know what the exclusions are prior to buying a policy and embarking on your trip.
One thing to look for is country exclusions. The majority of, if not all, travel insurance policies will not offer cover within the territories of warring countries or those undergoing political upheaval. Some might argue that it’s best if you didn’t visit such territories to begin with, but in the event that you do, just know that you might be on your own from an insurance standpoint.
Also, many companies will not offer cover to individuals with a pre-existing medical condition. It is important that you divulge any such conditions even if it means denial of cover. It is much better to be upfront at the start than find out, while trying to collect on a claim, that your insurance was rendered invalid because of a medical condition you hid from the insurer.