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| Backpackers travel insurance |
| Travelling on a budget inevitably means that
Backpackers are at the greatest risk to accident and injury when abroad.
Whether you're trekking in Thailand or scuba diving in Cairns, its
the greatest adventures which also put you at the greatest risk. Exploring
off the beaten-tracks also means your far more likely to fall foul
of illness or crime, often travelling overnight or sleeping in dorm
rooms. |
To ensure that you stay safe while on the
road, it is essential that you purchase a backpacker travel insurance
policy before you leave. Backpacker policies are specially designed
to meet your needs, by offering a high level of cover for an extended
period of travel. You can purchase a backpacker policy for anything
from one week to two years, and just because its called a backpacker
policy, doesn't mean you have to be roughing it.
The backpacker policy acts as an effective and cheaper alternative
to a single trip travel insurance policy, offering a range of special
cover extras such as ski and sports protection which you might need
along the way. There are a number of features which you should look
out for in any backpacker policy as an absolute minimum. |
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Emergency Medical Cover. This will provide financial cover for
any costs you have to make in the event that you need medical attention.
Rescue and Repatriation. In the event of a medical emergency rescue, all
your costs will paid by your insurer. This should include helicopter rescue.
Personal Liability. This is legal cover for any accident, injury or harm
you might inadvertently inflict on another individual.
Holiday Cancellation. If due to unforeseen circumstances you have to
cancel your trip early, you will be compensated for any monies lost.
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.
Personal Money. Check that your policy will also compensate you for any
stolen cash or travellers' cheques. Please note that the upper compensation
limit for personal money tends to be quite low. Avoid carrying large amounts
of cash about your person when travelling.
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. |
Other special features worth looking for
include ski and sports cover, providing protection for activities
such as scuba diving, paragliding, bungee jumping and winter sports.
Always carefully check your backpacker policy wording to ensure that
the activity you intend to do is covered by your policy.
The following travel insurance companies are all highly recommended,
and offer affordable policies with good levels of cover. Before purchasing
your policy, it is always a good idea to compare a few quotes to ensure
that you are getting the best deal. You can get an instant, free quote
from all these insurance providers.
STA Travel offers three policies all with different levels of cover
which are Backpack, Standard and Premier. Click
here to visit their web site
Travel Insurance World is new to the market. Three months European
cover starts from as little as £46.93. Click
here to visit their web site.
Columbus Direct has been a leader of direct travel insurance since
1988. Click
here to visit their web site. |
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