Backpacker Travel Insurance

Travel Insurance Backpacker

Executive Summary By Kirthy S

What is a backpacker travel insurance?

Backpacker travel insurance is not the same as annual holiday insurance, this is mistake many young travelers make when purchasing insurance. Annual holiday insurance is designed for your average holiday maker, who goes abroad a couple of times a year usually for a week or two at a time, and spends most of their time relaxing on the beach. This is very different to the habits of your average backpacker, if there is such a thing as an average backpacker. If you are planning on travelling for long periods of time annual holiday insurance usually doesn’t cover your stay out of the country for more than a few weeks at a time.

Backpacker travel insurance initially covers any travel period from a total of 90 days to a one year trip, with a pay as you go benefit enabling you to extend, as often as you want to, the duration of your travel insurance up to 18 months. Find all your information on travel insurance online. Avail of trip cancellation insurance and holiday insurance. Other features include temporary car insurance, health insurance, medical insurance and prescription services.

It’s wise to have a good choice for all backpackers and people backpacking around the world, whether you have taken a gap year and taking time out from your studies, business or just a holiday, vacations, working abroad or studying abroad as a student. Get special covers on adventurous sports, skiing, and providing protection for activities such as scuba diving, paragliding, bungee jumping and winter sports.

Baggage and Possessions Cover. Ensure that your policy protects your possession or you will be unable to claim any compensation for stolen or lost items. Your policy should also cover any administrative costs incurred in the event that your passport is stolen and needs to be reissued.

Emergency Medical Cover. Holiday Cancellation. Personal Liability. Rescue and Repatriation. In the event of a medical emergency rescue, all your costs will paid by your insurer. Travel Delay.

Backpacker Travel Insurance - Don’t Let Exams Spoil Your Adventures

Executive Summary By Jean Andrews

Traveling to far away and exotic places is something that is high on the list of priorities for many people in this age of easy travel. Travel insurance companies accommodate for this type of travel by offering insurance for backpackers, students on a gap year, or any young (or even not-so-young) person needing insurance for an extended trip.  At a very minimum, a backpacker policy is important as it provides cover for those unexpected mishaps - which hopefully will never be needed - such as emergency medical expenses, personal liability, and legal costs.

Adventure sports activities are included as standard in many backpacker policies.  Worried about examination results?  A backpacker policy will often provide cover for cancellation or curtailment of a trip if a re-sit of exams becomes necessary.  Some restrictions may apply to a backpacker policy regarding traveling and working.  If a travel itinerary includes plans to work abroad or participate in paid or unpaid voluntary work a different type of policy may be needed.  If in doubt, always ask to make sure the policy has the necessary levels of cover.

Travel Insurance Agencies Ltd. provide a range of policies designed for backpackers and travelers up to age 46 who plan to travel light. Why waste those precious travel funds on insurance cover you don’t really need.   A backpacker or Discovery Light policy is designed to be affordable for those who plan to travel without a lot of luggage by excluding cover for personal effects, baggage and cash.

A backpacker policy can usually be combined with winter sports (skiing/snowboarding) cover for an additional premium - such as a Discovery policy.  This will normally include cover for ski equipment, ski pass and ski hire for up to one year of travel.  One big advantage of booking travel insurance through the internet is having access to an immediate online cover note. The policy wording will also be available to view online if needed.

You may want to read other article abotu 10 Tips for Safe International Travel.