The Knowledge - Inside Backpacker Travel Insurance
UPDATED March 2013
Warning about EHIC cards
European health insurance cards are medical cards for residents of European Union countries and entitles the bearer to basic medical coverage in the event of an accident abroad
It is in no way a substitute for travel insurance and the perception that you do not need travel cover with an EHIC card could not be more wrong.
Always ensure you have decent backpacker cover when you are in another European country and have your EHIC card in your wallet too.
Looking for holiday insurance for long term travel or working holidays? Always ensure you take out the appropriate travel cover.
Travel Insurance is a must for the modern day traveller
Backpackers of the 21st century are a breed apart from their 20th century cousins. The biggest impact on travel now is the use of technology on the road much favoured by independent travellers.
Backpackers now carry ipads, ipods, iphones, SLR cameras, notebooks, soloar power chargers, kindles just to name a few and with theft an ever present danger on the road then one must have decent gadget insurance.
Most travel insurance providers will cover such items as part of the man policy but you must be aware that they might not cover very expensive items, say over £300, and extra coverage will need to be purchased for these.
New Insurance Types
Hostelling Travel Insurance
Childs Travel Insurance
Why you need backpacker travel insurance
travel insurance for backpackers is essential if you are travelling for an extended period of time, even if you are on a budget.
Check out why you need backpacker cover article for further details.
Backpacker insurance attitudes changing in South Australia
According to South Australian Backpacking Industry Association chairman Gary Locke.
Mr Locke, who owns Adelaide Travellers Inn on Hutt St, said the City Council and the SA Tourism Commission should be working together to target backpackers and providing them with employment opportunities that would keep them in Adelaide longer.
He said most tourism campaigns were designed at middle-aged, short-term travellers.
“Backpackers on average spend $79 a day. They also stay longer,” Mr Locke said.
He said in the past 10 years the demographics of the backpackers had changed from being school leavers to being in their mid-20s.
“Now they have more skills, have finished uni and are willing to stay for a year,” he said.
Older backpacker looking for backpacker travel insurance
Older backpackers are now taking the world by storm and its important for them to have travel insurance older people so they can then relax on their trip.
Travel insurance for older people
Its not only young people that travel for a long period of time now, there are many looking for travel insurance for the over 80s and over 75 insurance these days too. The premiums for older people are no longer as expensive as they once were either, so there should be no barier to anyone travelling these days based on older travel insurance!
Backpacker should always take out backpackers travel cover so they can then enjoy their gap year and not worry about accidents or thefts.
Travel insurance for off piste skiiing?
Fancy going off piste this winter and finding it hard to get cover for extreeme snowboarding? The check out our guide to Off piste skiiing insurance....
A travel Insurance story from Australia's East Coast
This is a story about a girl who got the bends while diving in Australia and illustrates why good quality cover is so important. The story continues....
Heading away with your family?
If you are planning a backpacking trip with your family then you should take out cheap family travel insurance to ensure all your loved ones are covered.
Are you thinking of not taking out travel insurance for your backpacker trip? You may wish to read this backpacking travel insurance article first!
Have you already left without travel insurance or are you needing to extend?
many people forget to buy travel insurance and often leave without it, similarly some people extend their trip while they are away and need to extend trravel insurance.
Travel insurance if you are outside your home country
Pre-existing medical conditions
Many people do not realise that very few travel insurance policies actually cover pre-existing medical conditions.For instance if you have asthma your travel insurance will not cover your condition. Always check the small print of your travel insurance policy.
No Insurance? How much will it cost?
£35,000 for an air ambulance from the USA.
£8,500 for a scheduled flight and a doctor from Australia.