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Backpacking around the world can offer some of the greatest adventures in some of the most remote areas on the planet. But with adventure come the risks and dangers of illness, crime and accident when travelling off the beaten-track. Travelling as a backpacker leaves you open to greater risks of crime and illness than conventional methods of travelling do. Whether you’re tramping around the wilds of South East Asia or skiing the back slopes of Canada, a backpacking trip can come to a swift end if care hasn’t been taken from the outset to provide adequate coverage for any of these risks and dangers.
To ensure that your dream trip doesn’t come crashing down in a pile of debt, it is important to consider the advantages of taking out backpacker travel insurance. It is also vital that you shop around for a backpacker specific insurance. These policies are often a cheaper alternative to single travel insurance, as they don’t have some of the standard inclusions such as car hire, loss of income, and travel delay.
Most backpackers want an insurance policy that will allow them to experience their adventure holiday to the full extent. Bungee jumping, mountain climbing, white water rafting and skiing are almost always on the list of things to do. To ensure that you have adequate coverage for any or all of these things you should always check to see that your preferred activities are included within the backpacker travel insurance you take out. Backpacker travel insurance can be tailored to suit the types of activities that you would like to experience and can be flexible in their term – anything from 1 week to two years.
Some of the most important things to look for when choosing backpacker travel insurance are:
- English speaking emergency medical contact.
- Flexible term – 1 week to 2 years.
- Emergency medical – food poisoning, injury or illness.
- Personal liability – injury caused to others through your fault.
- Holiday cancellation – due to death in family or sudden illness.
- Rescue and repatriation – from remote areas to closest medical institution.
- Baggage and possessions – loss of luggage and theft of personal items.
- Personal money – theft of cash or travellers cheques.
- Dental treatment – emergency work or as a result of accident.
- Immediate cover – ensures no delay to reimbursements and payments.
Working hard to save the money for an adventure-backpacking trip means that every cent counts, so when choosing backpacker travel insurance make sure you shop around for the best deal. It can be confusing at times, as every insurance company offers something different or has a different approach, so make sure you gear your policy to your needs and not to those of others. Often it is worthwhile checking out online options as these companies can offer special online rates, and a chance to tailor your policy to your specific needs and budget. Best of all they always offer an instant, free quote, which makes your job of comparing much easier.
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