If you’re thinking about purchasing backpacker travel insurance, you probably have numerous questions and concerns about what it covers and whether it’s worth consideration. To keep you informed, we’ve answered four commonly asked questions about backpacker travel insurance below.
1. What is backpacker insurance?
This type of cover is specially designed for individuals who plan to travel for longer periods, often to multiple destinations/countries in one trip. Unlike a standard travel insurance policy, backpacker insurance offers additional features and benefits, guaranteeing your backpacking itinerary is fully covered.
2. Why should I get a backpacker insurance policy?
If you’re planning to go away for several months at a time, you should consider purchasing backpacker travel insurance. Since it’s known as extended trip insurance, it’s sure to cover you on longer trips abroad.
A comprehensive backpacker insurance policy gives you peace of mind knowing that you’re covered if something happens to you, your possessions or plans.
3. What’s covered with backpacker travel insurance?
Backpacker travel insurance covers you against numerous travelling risks, emergencies and accidents, including:
• Lost or stolen baggage
• Trip cancellation
• Damage to personal items
• Medical costs
• Personal liability
Some policies can also include cover for winter sports and extreme sports, but it’s wise to get a separate policy for these two. All in all, always check your policy and read in between the fine print to see what’s covered and what’s not.
4. Can I get backpacker travel insurance with an existing condition?
Having a medical condition doesn’t mean you won’t find cover. It only means your premiums will be pricier as you have to buy add-ons.
So, if you have a pre-existing condition, tell your insurer about it so that they can advise you accordingly. If you lie about it, your policy will be deemed void when you get a medical emergency abroad that’s linked to your medical situation.
Comparing backpacker travel insurance quotes
Use our tools and resources here at Compare Insurance to compare single trip features, prices and policies from various providers. You can then choose a policy that works for you based on your budget, travel itinerary and what you’re doing.