Backpacker Travel Insurance

Cheap backpacker travel insurance is for backpackers who travel on a budget. These people look for a different experience. They carry minimum belongings in a pack on their back and independently explore the world. This article discusses:

• Find in-depth info on backpacker travel insurance
• How can one benefit from backpacker travel insurance?
• Who all are eligible for backpacker travel insurance?

Cheap backpacker travel insurance is for backpackers who travel on a budget. These people look for a different experience. They carry minimum belongings in a pack on their back and independently explore the world. Mostly on their own they go on wild life safaris in Africa or the outback's of Australia, they climb the Alps or the Himalayas or go to the islands of the pacific. Train, bus, or even hitch hiking, the insurance policy that covers their needs is the backpackers travel insurance.

Backpackers are at greatest risk to injuries. Their mode of travel is adventurous. While exploring different places they are more likely to fall sick or even be robbed. Insurance policy can ensure their safety and provide a wide range of high level cover. Adventure sports or winter sports cover is included in their extendable period/trip of travel.

This policy is more tuned towards students needs but also includes adults under the age of 40/45 years (depending on the company providing the insurance). Students, who take a year's gap and travel for long periods, often more than 45 days, cannot avail the package of annual insurance cover. In such a case a backpacker's policy is the better option. You may or may not carry the minimum luggage on your back yet if you go around sight seeing and change cities every few days and travel for months or even more than a year your backpackers travel insurance protects you in case of any emergency.

A backpacker's travel insurance policy is also known as hostellers travel insurance policy in some places where as in some other cases is it clubbed with student holiday and called student backpackers policy/students gap year travel insurance. An essential factor for a long stay student travel insurance is that your period of travel must be 12 to 15 months and may be extended (this clause depends on company providing the travel insurance).

Back Packer's Insurance Cover

Back packer travel insurance includes cover for

• Cancellation cover for ticket expenses if the trip is cancelled or interrupted due to ill health or loss/serious condition of family member
• Medical expenses cover for bodily injury or ill health occurring due to an accident. The policy usually does not include ailments or ill health arising due to a pre - existent medial condition.
• Personal accident cover ( Please check the list of sports covered and other conditions where this cover is applicable)
• Personal liability cover (in case you take a rental car and/or responsible for bodily injury or any other damage your company pays the other party)
• Hijacking/Mugging
• Personal belongings (single item as well as multiple items. Please check on the value of the item and the limit of compensation)
• Baggage and money cover (Property claims depends on the value of the goods when you take them. Police report or any other proof to show you lost them is necessary for a claim)
• Legal Expenses to a lawyer to argue your case if a third party wrongfully sues you for damage.

Cover differs according to places so you would have to mention destination as given by the company. Below is a sample of territorial place by a company, that gives areas to which you can backpack,

• United Kingdom, Ireland, Isle of Man and Channel Islands.
• The continent of Europe west of the Ural Mountains, Maderia, Canary Islands, Iceland, the Azores, Mediterranean Islands and non-European countries bordering the Mediterranean (excluding Algeria, Israel, Lebanon and Libya.)
• Australia and New Zealand
• Worldwide including USA and Canada

Continue to: Exclusions of Backpacker Travel Insurance