Backpacker Travel Insurance

2008-09-05 13:10:33

( Insurance )



The Risks of Backpacking

Backpacking is a fun activity especially if you travel with a group. It is also the cheapest way to travel because you can easily move from place to place and stay anywhere, like a hostel or a campsite.

As a backpacker, you may be be traveling to places that are not normally visited by regular tourists. You may also be engaged in activities that are more physically demanding, like rugged terrains and locations without the comforts of modern technologies.

Compared to regular organized tours, backpacking poses more risks of getting into accidents or damage to your personal belongings. You need protection from these and other contingencies.

Features of Backpacker Travel Insurance

You can get single-trip or multiple-trip backpacker travel insurance, and select a coverage period from one week to two years. The most important feature is coverage for any emergency health-related needs, such as a sudden illness or accident on the road. Health insurance for travelers also applies to hospitalization and doctor fees you incurred because of the illness or accident.

Backpacker travel insurance also covers costs of rescue and repatriation, as in cases where war, disaster or violence breaks out in the area that you are currently visiting.

The policy also covers any loss of cash or personal belongings during your trip, plus administration costs for replacing a lost passport.

You don't have to worry about trip cancellations or delays, as these contingencies are also covered in the policy.

Just in case you run into trouble for causing harm or injury to another individual during your travel, the policy has a personal liability cover as well.

You can also opt to purchase coverage for accident-prone activities such as skiing, bungee jumping, mountain climbing and scuba diving, if any of these are part of your itinerary.

Tips about Backpackers Travel Insurance

Many insurers offer this type of policy. You can get insurance quotes through online websites that sell the policy, or you can check with your local insurance provider if it has such a policy available.

Read the fine print on the insurance policy to be sure about which items are covered. Features and extent of coverage vary among different insurers, and these affect the premium cost.

Make a photocopy of your insurance policy including all contact information, and keep it with you during the trip. Having the information handy will facilitate processing of any claim you might have.


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