For Backpackers And Hikers

If you have a tour in your mind and you want to travel the free way, a good backpacker policy is a thing you must consider before tour. Backpacking trips are bit riskier than regular planned travels. So in such case good backpacker becomes a mandatory criterion for a hassle free tour.

Most of the insurers don’t know all the benefits of insurance as they are unaware but these insurance policies help a traveler in many ways.

A Backpacker insurance policy is basically for those who are low on budget. You don’t have to pay high for regular insurance policy but you will surely get the essential coverage with backpackers policy. It covers you and your luggage at very less cost, as this type of insurance is designed for backpackers who are known for their low budgeted and unplanned travel schedules.

Before going through you must know backpacker insurance policy and its features.

Features provided by backpacker

There are some important features and coverage that backpacker policy can provide, these are as follows;

  • In case if you have to extend you trip due to any unexpected reason, backpacker insurance covers it too.
  • You get all covers round the clock all the year no matter what time or circumstances are there.
  • If you get sick during you trip, all the medical expenses will be covered by backpacker insurance providers. Most of the time such insurance policies also covers personal incidents that occur during travel (please confirm this before buying insurance policy from you insurance provider).
  • Many firms provide option to opt out which they don’t want to be covered and ask for the things which they want to be covered. This flexibility is an added advantage for insurers.
  • Many firms provide the option to the insurer that what they really want to be covered in their policy. This flexibility is an added advantage for insurers.
  • Many backpacker tours for winter sports, some travel for scuba diving. Such adventurous sports have high risks involved which can lead you to physical damages. Covers for such sports are also available as an optional measure. You can add such sports covers in your existing insurance for added safety.
  • You can extend you insurance any time with a single click sitting at your home in front of your computer.
  • Make sure that insurance policy covers the location in which you are planning to travel. Some companies provide insurance policies only for a certain country.

Now the biggest which every travelers generally asks is “Do I really need a backpacker insurance policy? And is it really worth it? “

Backpacker is surely recommended for you if you fell into any of these categories

  • You travel alone at places which are expected.
  • Your travel schedule is unexpected and never planned.
  • You have medical history or you are above 50 years of age.

Backpacking is surely an adventurous trip but it has its own risks too. Backpackers are very prone to injuries, robbery and related issues. There are some possible issues in which backpackers can easily get coverage. These are as follows:

Tour cancellation – Trips are cancelled many times due to many issues. Sometimes due to bad weather and sometimes due to some personal reason, one has to cancel his/her trip.

Emergency medical care – backpackers are very much prone to issue like food poisoning, diarrhea and other infections. Such diseases can lead to serious health issues which can be covered by purchasing insurance.

Accidents – accidents are common and can be occur at any time. Insurance not only covers for your injury but also the person affected by your mistake.

Theft or robbery – backpacker usually travel alone. They also stay at budget hotels. All this makes them prone to things like baggage theft and robbery.

Considering the current global scenario which is quite unsafe, having proper backpacker is very necessary.

A backpacker insurance policy can be a great help for every traveler who wants to travel the free way. So what are you waiting for? Get a backpacker for yourself and roam free

Timing is Everything — Especially With

Few things in life are as satisfying as a trip abroad, and most of us can hardly wait until we leave on our great adventure. Anticipation of things to come merely heightens our delight. Planning our trips is part of the enjoyment. Running around, buying our tickets, luggage, clothes and other items that we plan to take with us don’t even seem like chores. It’s not even painful to pay for these things because we know that soon we’ll be exploring places we’ve never been before. However, there is one “fly in this ointment”, one more expense that we’d rather not have because even though it costs us money, we receive no tangible benefit. What am I talking about? Why, , of course!!!

Is Buying at the Last Moment Okay?

I don’t know about you, but as far as I’m concerned, paying for is not exactly my favorite way of spending money. Could it be because travel health insurance is not exactly sexy? Or is it because it just adds to the cost of an already expensive trip? Whatever the reason, I’d rather not spend the bucks on travel medical insurance. However, because I know that it really is a necessity, I buy it. Nevertheless, I tend to put off the purchase as long as possible because it still feels like an “extra”. Am doing myself a favor or not?

Are You A Gambler?

Is keeping my money in my pocket for as long as possible helping me or hurting me? By delaying my purchase until the day I leave, I’m actually hurting myself. This is because I’m actually gambling that nothing will happen to me before I buy my insurance. I’m betting that I or someone in my family won’t fall ill or get injured prior to departure. Also, if I haven’t bought it and something bad does happen, I won’t have any insurance coverage and I’ll be out of luck. Wouldn’t I be smarter to get my ASAP in order to minimize my risk and maximize my potential benefits?

Don’t Lose Your Pre-Existing Condition Coverage

There is another reason to buy without delay. Sometimes we make our travel arrangements in stages and don’t book our flights at the same time. We travelers are eligible for pre-existing medical condition exclusion waivers provided we buy our from 7 to 21 days (depending on the policy) of making our arrangements. If we wait longer, we may not be eligible for those benefits, especially if a previously unknown health condition should materialize.

Don’t Wait To Finalize Everything Before Buying

Whenever I have traveled, I have known in advance what my plane tickets were going to cost, but what about you? Maybe you’ve made travel plans but have not yet bought your plane tickets. I suggest that it’s a good idea to buy your even if you haven’t bought your tickets because doing so will ensure that you will qualify for the pre-existing condition exclusion waiver. If you don’t know what your flight will cost, estimate the cost and include this figure in the total cost of your trip. Later, when you have purchased your flight tickets, you can advise the insurance company. That way you will not risk being ineligible for coverage for a medical conditions that crops up prior to departure.

What If You’ve Already Left on Your Trip?

I happen to be one of the world’s greatest procrastinators. My motto is, “Never do today what you can put off until tomorrow because you might get lucky and not have to do it at all!” Maybe you, too, are a Great Procrastinator and you avoid buying before you leave on your trip. What happens if you have delayed buying your or expatriate insurance until AFTER your departure? Are you out of luck? Are you ineligible for insurance because you didn’t buy it before you left home?

Fortunately, the good news is that, even if you decide to buy after departure, you are still eligible for insurance. If you can get access to the internet, both and expatriate insurance can be found and purchased online, even after you’ve left on your trip or taken up residence abroad. As the old saying goes, “Better late than never,” especially in this case!

Can You Get Insurance for Someone Else Who Has Already Left?

Here’s another scenario. What if there is an emergency and a family member (including minors) or a friend or employee has not bought but has already left on their trip? Do they have to travel uninsured? The answer is no, they don’t have to go without . You, or someone else they designate, can go online and purchase on their behalf. It’s good to know that when friends, family or employees are too busy to get their own , they don’t have to go without it.

In this case, all you need to do is fill out an online application and make the required online payment. You’ll get instant confirmation and can even print out a copy of the policy. There is one cautionary note though. If you’re purchasing on behalf of a minor, you’ll first have to register as an adult in order to get the insurance. It is also important to note that they will not be eligible for coverage for pre-existing medical conditions that occur during the trip after departure and prior to purchasing their insurance. This is merely another reason why purchasing should not be delayed.

In the World of , Timing Definitely Is Everything

Timing is everything, they say. Purchasing travel or expatriate insurance was probably not on the mind of whoever coined that phrase. Nevertheless, those words apply as much to buying as they do to anything else. Given the potential for financial ruin if you’re not insured, the time to buy yours is before you need it because buying it after you need it is impossible and much too late. Learn from the “Great Procrastinator” and get the insurance you need before you need it.

Unravelling the Mysteries of

can be a fantastic investment when you’re exploring the world, but you should invest time into obtaining the right coverage without spending over the odds. The range of policies available varies, and travelling without one is a risk. Prior to purchasing , carefully think over your options.

How It Works:

cover could be purchased for several reasons. Each policy has a specific plan or cover in place, which may mean you need to take on several policies to get the full cover you need. On the other hand, this is beneficial because it can help you get only the type of coverage you want and need rather than having too much.

Be careful when selecting . You need to get the type of coverage right for your specific trip. In order to select the right type and amount of , take some time to consider the options available to you. There are various levels and also various kinds of policies available to you. Choose a policy that covers you where you are going.

For example, if you are going overseas, the policy must provide protection in that country. Tailor the type of policy you selected based on the needs in that area, too. For example, a trip to San Francisco may give you plenty of health care options, but medical costs in the United States are very high. Should you need to seek out medical care, you will either need to pay in cash or you will need to have a that is suitable.

Also, depending on the way you travel, choose the right insurance for you. For example, if you are travelling with a lot of baggage or expensive personal items, you may need to consider more than if you were carrying only a small bag. Find a policy that covers the types of activities you plan to do. For some, hiring a car will be necessary which means having insurance to protect you from problems with that car.

It is also important to consider that will help pay you back when a trip is not longer possible. For example, you have booked and prepaid expenses at your accommodations, for fare and for tours.

Then, you find out that there is a cancellation needed, but these items may not be refundable. Having cancellation cover can be quite helpful because it will kick in and pay for your costs so you are not out a considerable amount of money.

Don’t Settle:

You may find a company available rather quickly to provide you with the insurance you need. The issue, though, can be that the travel cover is not likely to be the most competitive rate available.

One of the biggest mistakes you can make when getting is not shopping around. Talk to several insurance providers to find out what they can offer you and which policies are best suited for the type of travel you will be doing. On some websites, you may be able to find an online calculator to help you get a good idea what the costs are.

What Do Policies Cover?

Each policy covers something different, so you do have to read the fine print. There are several kinds of insurance available to you, which include:

* for medical and dental needs
* Personal liability insurance
* Rental car excess cover
* Delay cover (if you are facing a delay and need to rent a room, this policy may help cover the cost)
* Legal costs
* Cancellation cover
* Baggage cover
* Loss of income
* Domestic pet cover
* Hijacking cover
* Total permanent disability cover
* Accidental death cover
* Domestic services

There are even some very specific policies for such things as golf equipment and skiing protection. In any case, you need to consider the number of risks you face by going on this trip and then choose the right type of insurance cover for you.

With , you do need to be careful and not over buy. Having medical cover is a must for many people, and cancellation insurance can be beneficial whenever there is a reason to believe your trip may be cancelled.

If you are unsure about which type or how much you need to have you should work with your insurance provider to get just the right amount. Since you can shop for online, it only takes a few minutes to get an idea of the cost for the service. Many policies are not costly due to low risk, for a majority of people. Before choosing an option, carefully consider everything available.