Backpackers travel insurance, is a policy designed for backpackers who are below the age of 51 and are on a limited budget. These travelers typically are looking for a no-frills, comprehensive insurance policy that offers free coverage of adventure sports.
Types of Insurance for Backpackers
Best travel insurance companies offer two types of backpackers travel insurance plans:
- Globetrekkers Standard
This policy is a no-frills plan that offers essential cover which will protect you against all of the most common misfortunes.
- Globetrekkers Standard Plus
This policy offers not just essential cover, but also coverage for baggage, loss of money and/or passport, accidents or illness, etc.
Benefits of Backpackers Travel Insurance
Here are some of the benefits you get with backpackers travel insurance:
1. Lengthier Trip Durations
You get cover for trips that are 15 months long. In case you decide to extend your trip, then your insurance cover can also be extended by another 3 months to 18 months.
2.Return Home Option
You also get a return home option as part of your standard offering.
Best insurers offer free cover of more than 50 pre-existing medical conditions including high blood pressure and diabetes. This means that if your condition is stable and you don’t have any other complications, your medical condition will be covered for free if it is on Non Screening Conditions list.
If your condition is not listed on the list, then you can call their Medical Screening Service to see if you can get add-on cover.
You can choose “Worldwide” backpacker travel insurance, or insurance only for Europe, Australia and New Zealand.
5.Adventure Activities Covered as Standard
Most hazardous activities are covered as part of your standard policy (which means you don’t need to pay extra for them). However, if you wish to add on more high risk activities, you can pay a little extra and get them added on for extra cover.
6.Customize Your Coverage
You can customize your cover to suit your needs. You can get add-ons such as cover for valuables, cover for the cancellation of an event, excess waivers, repatriation cover, winter sports cover, a cancellation top up and even cover for the more dangerous activities that are not covered in a standard policy.
7.Save Money and Time
When you buy your travel insurance online, you pretty much immediately get your policy and additional documents as soon as you make your payments.
A backpacking trip can be one of the best experiences of your life. It will be even more memorable if you know you don’t have to worry about lost or stolen baggage, money or passport, or about getting ill or injured and not having the money to pay for your treatment. Which is why travel insurance is so important – it is your safety net in case of an emergency.