Backpacker insurance may sound like a very niche type of cover. However, it is a very common form of travel insurance. Thousands of people (of all ages) often plan to backpack and travel the world – for extended periods of time. As a result, getting cover is just the smartest thing you can do. You never know when you may fall ill.
It is important note that although backpacker insurance is similar to travel insurance, it is specifically tailored to backpackers and those going on long trips. In fact, if your journey lasts more than two months, then…
…backpacker cover is necessary!
Backpacker Travel Insurance: What you need to know
It doesn’t matter what you’re travelling with – an actual backpack or a suitcase. Backpacker insurance is still necessary. If travelling for more than two months, standard travel insurance won’t cover you. That’s why specialist cover exists. It is also sometimes called “extended leave” or even “gap year” cover.
Generally speaking, such policies cover you for 18 months. In many cases, you can extend them.
What’s also good is that backpacker insurance lets you return home. So, you can still visit family and friends or even deal with any emergencies that might arise.
Things that backpacker insurance normally covers
You’ll have to look at your backpacker insurance policy to get the specific details. Typically, though, it covers you for a broad range of things that could happen while travelling.
- Health and medical concerns: It’s possible that you may fall ill abroad or worse – such as have an accident. In these situations, quick access to medical treatment is vital. Be aware that this may be a bit tricky if you have a pre-existing condition. Policies often include repatriation (returning home), as well as provide treatment in the UK if necessary.
- What’s handy is that cover is provided if you have to cancel. Should you need to go home early or if flights are cancelled, you can get a refund. But you must have a good reason to abandon the trip! What’s considered a “good reason” will depend on your insurer.
- Personal liability – provides cover for (accidental) damage you may cause to others and/or their property. Most policies cover you for up to £2 million.
- Personal belongings and baggage are found in standard backpacker insurance policies. So should anything get lost, stolen or damaged during your travels then you’ll receive compensation. This can include cameras, phones, computers and even clothing. Some insurers also include loss of passport, your cash and even a driving license.
- Travel can be quick risky, so backpacker insurance also covers delay. In fact, it is one of the more important reasons to consider taking out backpacker insurance.
- If you have an accident while doing casual work abroad, some policies will cover you for this. This can include voluntary work, fruit picking and bar/restaurant jobs.
So, as you can see there is a very good reason to consider backpacker insurance!
Be Careful: Some things aren’t automatically included in backpacker insurance!
Backpacking can be a lot of fun and often serves to present a very different picture of the world. Backpacker insurance already covers you for quite a lot… However, it’s also a good idea to be aware of what it won’t automatically cover.
For example, if you undertake risky activities like skiing, bungee jumping, kayaking, quad biking etc. then you may not be covered. You’ll have to specifically ask for this. And some policies may refuse to cover you for the entirety of the activity.
So, always make sure to check the precise wording that your policy outlines.
Backpacker cover is simply a smart idea… full stop. Travelling (especially for long periods of time) can be a risky business. That’s why it is important to have a backup and a fall-back plan. Of course, this policy isn’t the only thing you should consider if you’re going abroad for an extended period of time. However, it’s a good beginning!