We understand the thrill of being a backpacker – travel insurance is the last thing on your mind when preparing for new experiences, food and culture.
However, backpacker travel insurance is an absolute must. In fact, it should be the first thing you budget for, as you can run into serious financial problems if something goes wrong while you’re away.
Today sbobet casino and us will talk about why backpacker travel insurance is so important, whether it saves you money, what it covers and what it doesn’t.
Why Have Insurance?
Backpackers find themselves in situations that ordinary travelers may not face. For example, they often have more flights and connections than holiday makers.
When traveling in an economically unstable country, they may have to replace stolen or damaged items which can be very expensive.
What’s more, backpackers often have to travel with large amounts of cash, leaving them vulnerable to theft.
Young travelers often live in cheaper – and therefore less secure – accommodation which means that valuables, such as cash, technology, passports and papers, are at risk.
Can it Save My Money?
Since many traveling the world are on a budget, this is often the first question they ask.
Of course, no insurance policy is guaranteed to save you money. Ideally, you shouldn’t use policies at all.
However, the longer you travel, the higher the chance that you will face a problem, be it a canceled flight, a stolen phone, or lost baggage.
In the six or nine months of your adventure, you will likely have to use your insurance policy at least once.
Therefore, taking a policy that is reasonably priced can save you a lot of money in the long run.
Many backpackers travel on little money and have little left over for additional flights, replacing technology or emergency medical care.
The right policy will cover all of these costs for you.
What Does Backpacker Travel Insurance Cover?
One of the most important things a good policy covers are medical costs.
Medical care can easily add up, especially when faced with serious injuries, and you don’t want to be stuck with a big bill when you return to the UK.
Specialist policies will also cover things like canceled flights, delays, accidental loss of valuables, theft or damage to your personal belongings, accidents and more.
Since most policies cover the length of your stay in multiple countries, you don’t have to deal with the complexities of insuring every travel assignment.
What’s Not Included?
The backpacker’s specific policy doesn’t cover everything, so always check the fine print.
Most insurance companies will not offer coverage if you plan to enter countries that the Foreign & Commonwealth Office has declared unsafe, this could be due to war or civil unrest.
Extreme sports, such as scuba diving, are also often excluded from normal policy. However, you can often request add-ons to include activities you shouldn’t miss.
While a cheap-as-chip policy is attractive when you’re safe and sound in the UK, you’ll be glad you paid for a comprehensive, trustworthy insurance plan once you start your adventure. Choose wisely and have a nice trip!