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Genereal Guide to Backpacker Travel Insurance

What exactly is Backpacker Travel Insurance?

Travel insurance is essentially financial cover for a range of mishaps that may happen while you are away from your home country. These mainly include;

# Cover for Medical fees - this is the biggest single reason why people take out travel insurance.
# Legal expenses
# Personal liability
# Lost or stolen backpacks \ items
# Injury or Death
# Repatriation
# Cancellation of flights

Different types of backpacker travel insurance and policies.

When considering different types of policy it really comes down to what benefits are being offered by the company involved. This can vary widely from policy to policy, even for budget policies such as ones for backpackers and long stay travellers.

Some policies go much further than the basic cover and will be important if you are doing anything adventurous such as skiing in France, surfing in Indo or Bungee Jumping in New Zealand!

Finally check the excess. Excess is what you have to pay when you claim against something. For instance if you are claiming medical fees you may have to pay the excess which could be anything up to GBP500 / USD900 / EUR750. Many people overlook the excess with a view that a claim is unlikely but it is definetly worth give some thought to.

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