Backpackers’ guide to buying travel insurance

Ah the excitement of backpacking is priceless. Exploring the vast, untrodden landscape of adventure and discovering quaint corners of novelty… what could possibly go wrong with backpacking?  Everything, actually. It is universally understood that backpackers have more pressing need for travel insurance more than any other type of travellers!

Backpackers insurance, also known as long stay insurance, is aimed at people travelling over an extended period of time, often visiting a number of worldwide destinations in one trip. Backpacking insurance generally covers all the standard insurance policy, including baggage cover and cancellation, plus many extras relevant to the adventure that you are about to embark on.

A number of different backpacker travel insurance providers cater for those wishing to take a backpacking trip and many will offer policy options tailored for your exact needs. Insurers consider the length of trip you wish to take as well as your age and planned activities therefore its worthwhile thinking about what you are planning to do in advance and check your policy wording to ensure it is covered.

Things to consider when buying backpackers insurance

  • Length of trip – Generally insurance policies for backpackers will cover you for travel between 3-18 months, with some limiting time to 12 months and other considering single trips as less than 90 days
  • Change of plans– Should your plans change mid-way, will it be easy to extend your policy for longer?
  • Type of travelling – Some insurers will offer you the option to customise your policy with extras. This will largely depend upon the type of trip you are taking and what type of accommodation you will be staying in.
  • No go zones – Some insurers will not cover for travel in certain countries.
  • Search & Rescue – You can include cover for search and rescue. But beware if you travel away from the known and secure track it is unlikely you will be protected
  • Repatriation – In the event that you require repatriation back to your home country, make sure your insurer will cover this.
  • Activities and Sports – If you are looking to add to the excitement of your trip, make sure that your backpacking insurance policy will cover you for all of these activities
  • Affordability – although many providers offer competitive policies, cheap does not always mean comprehensive. Do your homework comparing policies before you leave to make sure that the cover you take is the best travel insurance package for you.
Little advice on annual multi trip travel insurance
In the light of increasing number of affordable air travel over recent years, more and more people are taking annual trips abroad. For t...
Worldwide travel insurance
Making a long-haul journey around the world is very exciting indeed. But you must not forget one of the most important factors in your plann...
10 brilliant tips for buying travel insurance
Most of us would choose to take the easy option and buy the travel insurance package offered by our tour operator, or from airline website a...
Look, before you leap on travel insurance fine print
Travellers are increasingly turning to web-based providers in search of cheaper travel insurance options - just as they have already done wi...
Travel insurance to Australia | Cheap holiday insurance with immediate cover
You are planning a trip to Australia and you need a low-cost travel insurance for your travel to Australia. Select a reliable travel insuran...
Travel insurance to China | Cheap holiday insurance with immediate cover
You are traveling to China and you plan to book a good travel insurance for your travel to China. Obtain an affordable travel insurance prod...
Travel insurance to Indonesia | Cheap holiday insurance with immediate cover
You are visiting Indonesia and you need a reliable travel insurance for your journey to Indonesia. Select a low-cost travel insurance produc...
Travel insurance to Laos | Cheap holiday insurance with immediate cover
You are going to Laos and you need a low-cost travel insurance for your holiday to Laos. Obtain a good travel insurance product from leading...
Travel insurance to Malaysia | Cheap holiday insurance with immediate cover
You are soon traveling to Malaysia and you need a good travel insurance for your journey to Malaysia. Get a low-cost travel insurance price ...
Travel insurance to Thailand | Cheap holiday insurance with immediate cover
You are soon planning a trip to Thailand and you plan to book an affordable travel insurance for your journey to Thailand. Obtain an afforda...
Asia Pacific's most popular destinations
If you were looking for fun and excitement in Asia Pacific, where would you want to travel? With the right travel insurance package, you wil...
Travel insurance myths debunked
                  Most people who do not travel frequently usually have very little idea about the nooks and crannies of travel insurance. H...

Sorry, comments are closed for this post.