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Backpacking is different from a regular trip in so many ways and that’s why its essential that backpacker travel insurance should be purchased before you travel. It tends to one of the main things that people forget and they may end up regretting it. There are just so many potential hazards with your trip! Firstly, the standards of hygiene differ from country to country. If you’re staying in a youth hostel some are more secure than others. You have to prepare yourself for the fact that you could lost your bag, passport and money! If you’re traveling to remote areas, you’re at a much higher risk than normal. You may have to consider the possibility of mugging. Then of course there’s always the chance of trying some sort of extreme sport, accidents do happen so you must take out an insurance policy before you go. |
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So what should you look for? Backpacker travel insurance tends to be aimed at individuals of the age of 35 and under although some will cover up to the age of 65. The length of time covered frequently starts at four months and can last anything up to a year. Much like any other type of travel insurance, any pre-existing medical condition has to be declared. If you don’t divulge this information when buying the policy you may find it void at a later date.
As a rough guide, your policy should cover the minimum.
- Baggage and belongings cover;
- A minimum of £1 million personal liability insurance, in case you injure a person or cause damage to their property;
- A minimum of £2 million of medical cover;
- Repatriation, including air ambulance, in the case of serious illness or injury;
- A minimum of £3,000 cancellation/curtailment cover, so you can get home if there is an emergency, such as a death in the family;
- A 24-hour emergency helpline.
As always, ensure you have thoroughly read the policy documents to ensure you’re covered.
Backpackers insurance will cover you for most places in the world although there are certain countries which may be deemed to dangerous. Areas such as Western Europe will be fine but more information about this can be supplied by your insurance provider. The best idea is often to call them, you are the customer and they want your business so they will be interested in meeting your needs.
In summary, backpacker travel insurance is well worth the initial outlay. Don’t put it off, the sooner you book it the better. You’ll have that peace of mind and know that you can concentrate on enjoying your trip!
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