What to look for in backpacker travel insurance
A backpacking trip is a great way of seeing other countries with a limited budget. The backpacking aspect is an adventure in itself, which makes it quite an irresistible proposition for young people. A backpacking trip through Europe is especially memorable and exciting because so many different countries and cultures are easily accessible to you because of their geographic proximity.
Unfortunately, backpacking’s greatest allure (travelling on a budget) is also its greatest risk. Getting sick, meeting an accident or losing property while you are trekking through Europe can put a damper on your otherwise wonderful vacation. Having to travel off the beaten track also makes you more exposed to certain risks like crime.
In order to make sure that you have everything covered when you travel and that the risk you expose yourself to is minimized, it is a good idea to purchase a backpacker travel insurance policy before you leave for your trip.
Travel insurance for backpackers have been formulated to meet the specific needs of backpacking travelers. These policies can be bought for a duration ranging from a week to a couple of years. This type of travel insurance actually offers a high degree of coverage for extended travel periods.
The backpacker travel insurance policy is also a more affordable alternative to the more popular single trip travel insurance. It offers a good range of special coverage like sports or ski protection. These special riders directly address the kind of activities that are most commonly performed during this kind of trip.
When buying a backpacker travel insurance policy make sure that these features are included to ensure that you are getting the maximum coverage.
• Emergency medical coverage
• Repatriation and rescue
• Personal liability
• Holiday cancellation
• Baggage and other possessions
• Personal money
• Travel delay
You should also ask for riders or additional coverage for various sports activities like scuba diving, bungee jumping and winter sports. You should thoroughly read the travel insurance policy’s wording to make sure that the activities that you are planning to do during your backpacking vacation are all covered in the policy you are going to buy.
Try to get quotes from different insurance companies in order to get the best possible deal for the least amount of money. Even when it comes to backpacker travel insurance you can still get a lot of savings if you look hard enough.
