Many travelers globally prefer long-lasting holidays to any regular holiday that offers a significant scope of experiences and hobbies. This is where backpacker travel insurance comes in place. This year, backpacker travel insurance provides coverage for long travels for 18 months and offers interesting activities and sports for adventurers.
In addition, most of them permit travel back to their residence within the term policy and pay for paid and unpaid work while embarking on the trip. While backpacker travel insurance is important, finding the best for your travel needs is very important. In this write-up, some of the best backpacker travel insurance is listed to help you find the best for your needs.
Best Backpacker Travel Insurance
Based on your situation and specific needs, we have identified the best backpacker travel insurance for you. These insurance companies offer the best rates, insurance terms, and discounts. Some of the best backpacker travel insurance include:
Insure & Escape Deluxe Plus
At over £728.27, Insure & Escape Deluxe Plus offers £750 on gadget coverage as standard, which is the highest among other backpacker insurance. It charges an excess of £95 for each eligible claim; it offers £2,000 coverage for stolen or lost belongings, £10m for medical costs, and £2,000 for trip cancellation.
Like other backpacker travel insurance, this insurance covers a variety of activities, which include camel or elephant riding, paintballing, and non-manual jobs.
Oasis Insurance Silver Single
Just like OK To Travel, this insurance offers £3,000 for trip cancellations and £15 million for medical costs, as well as £1,000 for gadget coverage. Oasis Insurance expands to non-manual work like clerical and administrative duties, restaurant jobs, bar jobs, and even fruit picking. Aside from these, this insurance offers coverage for sports like zip-lining and banana boating.
Ok To Travel
This travel insurance policy offers £3,000 cancellation coverage along aside £15m medical coverage. Policyholders also get up to £1,000 for gadget coverage. Ok To Travel insurance policies charge an excess of £100 for every eligible claim. Aside from these, this insurance covers a range of sports and other activities like surfing and mountain biking, and coverage if you get a job at a restaurant or bar while on your trip.
Able2Travel Gold Single Trip
With a £562.60 premium, this insurance offers £2,000 for stolen or lost baggage and £2,500 for trip cancellations. It pays up to £12.5m on medical expenses and covers a variety of sports and activities, which include water polo, non-manual work, and hiking. Able2Travel insurance policy charges an excess of £95 for every successful claim.
FAQs:
When Should I Buy Backpacker Insurance?
Just like all travel insurance, buying a backpacker insurance policy is best as soon as you have to go on a trip. This is to enable you to file a claim for any expenses incurred due to trip cancellation at your departure.
Backpacker travel insurance becomes active as soon as you begin your trip. This means that it will be too late if you wait for your trip to begin before buying a policy. However, it is advisable to buy a policy before you begin your trip to get your policy valid before your trip begins.
Do I Need Additional Coverage?
Whether or not additional coverage is needed with your backpack insurance depends on the activities you will be participating in on your trip. Backpack travel insurance does not cover extreme sports like bungee jumping; for activities like these, you will need to purchase additional coverage.
Ensure you check your policy for what is and is not covered before buying a policy. Insurance companies will not pay claims for anything your policy does not cover.
Does backpacker travel insurance have an age limit?
The age limit of this travel insurance is between 50 and 60 years old. This age limit is different with every insurance provider; as you grow older, it is important to confirm with your policy if you have not exceeded the age limit and your policy still covers you.
Does My Trip Location Affect My Backpacker Travel Insurance?
Just like every travel insurance, the countries or cities you travel to affect your insurance policy premiums. For example, backpacking in countries like Europe will be cheaper than in other countries like Australia and Asia.
Also, backpacking in countries like the United States, Mexico, Canada, and Greenland will be more costly due to the high medical care costs in these countries.