Travel Insurance For Backpackers And Hikers
If you have a tour in your mind and you want to travel the free way, a good backpacker travel insurance policy is a thing you must consider before tour. Backpacking trips are bit riskier than regular planned travels. So in such case good backpacker travel insurance becomes a mandatory criterion for a hassle free tour.
Most of the insurers don’t know all the benefits of insurance as they are unaware but these insurance policies help a traveler in many ways.
A Backpacker insurance policy is basically for those who are low on budget. You don’t have to pay high for regular insurance policy but you will surely get the essential coverage with backpackers travel insurance policy. It covers you and your luggage at very less cost, as this type of insurance is designed for backpackers who are known for their low budgeted and unplanned travel schedules.
Before going through you must know backpacker insurance policy and its features.
Features provided by backpacker travel insurance
There are some important features and coverage that backpacker travel insurance policy can provide, these are as follows;
- In case if you have to extend you trip due to any unexpected reason, backpacker insurance covers it too.
- You get all covers round the clock all the year no matter what time or circumstances are there.
- If you get sick during you trip, all the medical expenses will be covered by backpacker insurance providers. Most of the time such insurance policies also covers personal incidents that occur during travel (please confirm this before buying insurance policy from you insurance provider).
- Many travel insurance firms provide option to opt out which they don’t want to be covered and ask for the things which they want to be covered. This flexibility is an added advantage for insurers.
- Many travel insurance firms provide the option to the insurer that what they really want to be covered in their policy. This flexibility is an added advantage for insurers.
- Many backpacker tours for winter sports, some travel for scuba diving. Such adventurous sports have high risks involved which can lead you to physical damages. Covers for such sports are also available as an optional measure. You can add such sports covers in your existing insurance for added safety.
- You can extend you insurance any time with a single click sitting at your home in front of your computer.
- Make sure that insurance policy covers the location in which you are planning to travel. Some travel insurance companies provide insurance policies only for a certain country.
Now the biggest which every travelers generally asks is “Do I really need a backpacker insurance policy? And is it really worth it? “
Backpacker travel insurance is surely recommended for you if you fell into any of these categories
- You travel alone at places which are expected.
- Your travel schedule is unexpected and never planned.
- You have medical history or you are above 50 years of age.
Backpacking is surely an adventurous trip but it has its own risks too. Backpackers are very prone to injuries, robbery and related issues. There are some possible issues in which backpackers can easily get coverage. These are as follows:
Tour cancellation – Trips are cancelled many times due to many issues. Sometimes due to bad weather and sometimes due to some personal reason, one has to cancel his/her trip.
Emergency medical care – backpackers are very much prone to issue like food poisoning, diarrhea and other infections. Such diseases can lead to serious health issues which can be covered by purchasing insurance.
Accidents – accidents are common and can be occur at any time. Insurance not only covers for your injury but also the person affected by your mistake.
Theft or robbery – backpacker usually travel alone. They also stay at budget hotels. All this makes them prone to things like baggage theft and robbery.
Considering the current global scenario which is quite unsafe, having proper backpacker travel insurance is very necessary.