Some travelers choose to go backpacking to travel within a tight budget. They also believe that going off the beaten track will give them the opportunity to experience the true culture and ways of the country that they are visiting.
However, going off the beaten track may expose backpackers to certain risks that the normal tourist does not encounter. As such, it is crucial that backpackers take up travel insurance for backpackers to protect themselves against unforeseen circumstances.
Here are five useful tips to help you choose the best travel insurance plan for backpackers:
1) Make Sure You Are Covered For Trip Cancellation
Sometimes, you may need to cancel your trip due to bad weather or riots. You’ll want to be covered when you have to cancel a trip through no fault of yours.
2) Coverage For Travel Delays
Industrial strikes or bad weather will definitely cause travel delays. Insurance will pay for any additional expenses that you incur due to travel delays.
3) Choose An Insurer Who Offers A 24-Hour Worldwide Emergency Helpline
Choose a policy from an insurance provider that has a 24-hour worldwide emergency helpline that you can contact 365 days a year. This will help you to set your matters straight right away should you encounter any difficulty during your backpacking trip.
4) Get Covered For Emergency Medical Care
Medical costs in a foreign country may be much higher than what you normally encounter at home. Emergency medical care will cover you for any medical costs incurred for illness or injury while backpacking.
5) Coverage For Lost Or Stolen Items
When you backpack, you are likely to hang out at train stations, bus terminal and remote areas. There is a chance your items may be lost or stolen. You’ll need protection against any financial loss stemming from lost or stolen items.