Things to Take Into Account When Purchasing Backpackers Travel Insurance

If traveling, whether short or long term, you must have a good travel insurance cover for your backpacking trip. Not only is it good, but it is also essential. Hospital and medical bills while abroad can be extremely costly, so you should not take the risk of having to pay them in case of an accident. But, if you’re properly covered with an insurance plan, you can have the peace of mind of knowing you will get the services and help needed in case of an unforeseen event. Here are a few things to consider to get the best backpacker travel insurance for the best price:Maximum Coverage- Your maximum coverage is one of the most important things to check when comparing travel insurance. It will dictate how much will the insurance pay in case you get injured, how much of your medical bill will be covered, and how much will the insurance company will pay you in case your baggage is lost. A good insurance will have a coverage of no less than $1 million dollars. If you’re an active sports player or an adventurous backpacker, you need to look for a higher coverage that runs between the $3 to $5 millions.Copayment- When comparing insurance plans you need to look at how much extra money you will have to pay in case you get injured, require medicines, lose your luggage, or have your money stolen. Some insurance companies charge as much as $250 for copayment, and more. That is fine for a large medical bill but not so much if you lost your $40 daypack and want to cover it. Some copayment can be as low as $30, which can make a big difference in your pocket, the claims you make, and your travel experience.Extreme Sports- Typically extreme sports are not included in the basic coverage of most travel insurance plans. If you’re an active sports player while traveling, make sure that the insurance you pick while comparing them is one that includes sports coverage. Talk to a specialist to see which sports are included and under which circumstances you are covered. There are a few insurance policies that are designed specifically for sports.Yearly Coverage- If you plan to travel for an extended period of time or will travel more than 3 times per year, you should consider buying an annual coverage. It will not only cover you for a year, but it will reduce the tedious process of selecting an insurance policy to just once per year. Also, it will help you save time and money since it is a comprehensive way to keep yourself protected.

Common Exclusions With Backpacker Travel Insurance

You have decided pack your bag and travel the world, planning on which countries to go to and what to do in every spare minute you have.When researching all of this, travel insurance will be very low on your list but could be one of the most important things you need to get right for your trip. Why you ask? With insurance companies notorious for trying to get out of paying you what you believe is covered you will be surprised that many things will not actually be covered in a basic policy.Want to work when you are away, then most companies do not cover for this and if they do it is usually just for office work and everything else will not be covered. Although this is not always the case some will allow manual work but you will be servilely limited on what you can do and it usually always has to be at ground level. A common exclusion when working is personal liability, so if you were to in an extreme case to lose a limb or to die then you will receive no money from the insurance company.I find that where most people can have most problems is with adventure sports. A lot of companies say that they cover over 50 sports as standard; whilst this is true have a good read as you will soon find that what you want to do might not be covered. A lot of backpackers like to learn how to scuba dive on their trip and this is usually covered with most travel insurance, but if you are thinking about bungee jumping or tubing in Vang Vieng, Laos you might need to upgrade your sports cover.All travel insurance policies have exclusions that they do not have to pay out on if you are intoxicated or on drugs so be careful when claiming, going back to tubing in Laos you will most likely be drunk and be doing dangerous activities with rope swings into the river.All travel insurance companies have a key facts document which lists all exclusions and their terms and conditions. This is the most important document to look through before you purchase your backpackers travel insurance. You could be in for a surprise with what you see; some companies state that if you travel to Australia you have to register with medi-care when you arrive otherwise you will not be covered for your medical expenses. This is only in the small print of the policy document so most people will not see this and will be in for a big bill and shock when you are told that you are not covered and have to cover the cost yourself.I hope this document helps you in your preparation for your trip and your purchase of your backpacker travel insurance. Remember cheapest is not always the best when you are travelling the work by yourself in countries where the health care system might not be up to western standards.