Backpackers usually travel on a budget. But just like the average traveler, they are at a risk of injuries or accidents when abroad. Sometimes they’re even at a greater risk because they go from one country to another.
Whether they’re scuba diving in Cairns or trekking the slopes of Thailand, a traveler must have backpackers travel insurance. They tend to explore off the beaten tracks and if that is the case, then there is a higher possibility of them getting involved in robberies.
They are also prone to illnesses because they travel overnight or sleep in hostels or dorm rooms.
A practical traveler ensures that he is in good hands by purchasing backpackers travel insurance. He gets one before he leaves. Backpackers travel insurance is specifically designed to meet the needs of a traveler.
These plans offer high levels of coverage for long periods of travel. A traveler can get the backpackers travel insurance from one week to two years.
One must also remember that just because it’s called backpackers travel insurance, it does not mean that they will be roughing it.
Backpackers travel insurance serves as a cheaper and effective alternative to single trip travel insurance plans. In fact, some plans cover extras like sports and ski protection.
They might need this along the way because no one knows what may happen while they are traveling. When looking for backpackers travel insurance, there are the standards that the traveler must look out for.
Here are some features that must be included in the backpackers travel insurance. First of all, it must have the Emergency Medical Cover. This covers the cost of any event that needs urgent medical attention.
It must also have Rescue and Repatriation. This is the insurance that the costs will be paid by the insurance provider. Since rescue comes with the package, this includes helicopter rescue as well.
Other features are Personal Liability. This means that the insurance provider is legally responsible to cover any injury, accident, or harm that might be inflicted on the traveler. Then there’s Holiday Cancellation.
This is the need to make the trip short, just in case something comes up. The individual will then be compensated for the amount that was lost.
Also included in the insurance is the Baggage and Possessions Cover. Just in case the possessions of the traveler have been stolen or lost, then the insurance provider will cover the administrative costs that were incurred.
This includes paying for replacing the passport that has been stolen.