Backpacker Travel Insurance

By: Kirthy Shetty

A common mistake many young travelers make when purchasing insurance is thingking that backpacker travel insurance is the same as annual holiday insurance. They are not. 

  • Annual holiday insurance
    Designed for your average holiday maker, who goes abroad a couple of times a year usually for a week or two at a time. The habit of holiday travellers are very different to the habits of the backpacker. 
  • Backpacker travel insurance
    Covers any travel period from a total of 90 days to a one year trip. There is a pay as you go benefit enabling you to extend up to 18 months. Backpacker travel insurance will take care of you during your longer than usual travels.

Backpacker Travel Insurance
When booking your backpacker insurance be on lookout for these items;

  • Get special covers
    For adventurous sports, skiing, and providing protection for activities such as scuba diving, paragliding, bungee jumping and winter sports.
  • Baggage and Possessions Cover
    Ensure that your policy protects your possession or you will be unable to claim any compensation for stolen or lost items. Your policy should also cover any administrative costs incurred in the event that your passport is stolen and needs to be reissued. 
  • Emergency Medical Cover
    This will provide financial cover for any costs you have to make in the event that you need medical attention. 
  • Holiday Cancellation
    If due to unforeseen circumstances you have to cancel your trip early, you will be compensated for any monies lost. 
  • Personal Liability
    This is legal cover for any accident, injury or harm you might inadvertently inflict on another individual. 
  • Rescue and Repatriation
    In the event of a medical emergency rescue, all your costs will paid by your insurer. This should include helicopter rescue. 
  • Travel Delay
    Compensation for any money lost due to a delayed departure, though this will often only be paid after you have been delayed for a set length of time outlined in the policy wording.

Always learn to verify the terms and conditions of any insurance. Be aware of the fact that a cheap insurance is not the best one. 

Travel Insurance
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