Backpackers travel insurance is intended for the travelers who plan a longer trip of up to one year. The advantage of this type of insurance is that the traveler is insured in all the countries included in the itinerary. With this kind of insurance, you won’t have to buy and plan coverage for each country on your list.
This is an ideal solution for backpackers. Still, you should consider many details. The climate, as well as geographical, political and other conditions may differ in the countries you plan to visit. Make sure you have checked all the details carefully before concluding a travel insurance agreement.
Here is some useful advice for all those who plan to go on this kind of trip: Your backpacker travel insurance will probably cover practicing the basic sports, whereas the others will be excluded. Check, for example, if it covers scuba diving or skiing. Maybe such activities require an additional payment on top of the regular premium. If you are aware of a pre-existing medical condition, make sure you inform your insurer about it. It is very important to avoid having problems with your insurance policy only because you withheld important information. It is advisable to get several offers from different insurers. Still, you shouldn’t hastily opt for the cheapest policy. Make sure you get the kind of policy that covers your real needs, such as medical, baggage and personal items. Also, get all the required vaccines. In addition, you should check in advance if you need a tourist visa. The visa procedure may take time, so you shouldn’t wait until the last moment. Spend your money wisely. If you have to change it into local currency, check where you can get the best exchange rate. It may be better to use your credit card instead of carrying cash. Split your funds on several cards and keep them in hidden places. If possible, keep some smaller amounts in local currency on you, in case you need them. Make copies of your travel documents and insurance policy and carry them with you at all times. Write down the emergency telephone numbers, such as the numbers of your embassy, local police or ambulance. Make sure your mobile phone battery is always full.