Travel Insurance for Backpackers

Backpacking is probably one of the most adventurous and budget-friendly ways to travel the world. You can explore sights and experiences that are out of the reach of most people. And you can do all that without spending a lot of money unlike most travelers out there.

But to get the most out of the experiences that your travels offer you, it always makes a lot of sense to protect yourself with travel insurance. Like most types of insurance today, there are a plethora of choices available to you, and backpacker's travel insurance is tailor-fit to your traveling style. But why should you choose a very specific type of insurance? Here are some benefits of this insurance type:

  1. Longer coverage. Regular travel insurance usually covers you only up to 90 days. But your traveling style is different. You want to explore more places and spend more time on each of them. Backpacker's travel insurance is perfect for this because they often offer covers of up to 18 months. You can even extend this further if you wish to travel some more.
  2. Cover for extreme sports. Many backpackers also enjoy the adrenaline rush of trying out extreme sports such as skydiving and skiing. But other types of insurance don't provide cover for this, so you should get them separately. The great thing is that there are insurance companies that already include extreme sports cover in their backpacker's cover. But be sure to confirm with your insurer of choice if it is indeed included in theirs.
  3. Cover for overseas work. Chances are that you'll also try working overseas to experience the culture or even to add some to your pocket money. Depending on the type of work you're getting, you will likely need to be covered in case something wrong happens to you. Backpacker's cover sometimes has this included in the policy, so it's worth checking out if you're planning on working while you're traveling.
  4. Repatriation. Should you get seriously injured or die during your travel, your backpacker's travel insurance policy could help pay for your airfare on your way home.
These are the more common features of backpacker's travel insurance. Of course, different insurers will provide different levels of cover. Thus, talk to the consultants at Rate Detective and they will help you find the best travel insurance for you. They will look into your personal circumstances and provide you with rate comparisons of Australia's top insurers based on that. Contact us today for more details!

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Published on May 5-nd, 2013 in Travel Insurance
Damon Rasheed is the CEO of Rate Detective, an Australian financial service comparison sites specialising in Life Insurance, Income Protection Insurance and home loans. Damon holds a Master's Degree in Economics from the University of Melbourne and has been involved in many start-up internet businesses.

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