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Travel insurance for backpackers

By: Hosea Mudrick

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Taking time out to go travelling is something a lot of us dream about and usually there are two ways this comes about. Firstly, you could be taking a gap year after school or secondly, taking a career break with or without a recent redundancy payment. It is vital to ensure that you are insured properly because should the unexpected occur, you will be grateful for the cover. For people who will be away for several months, standard travel insurance policies will not be relevant for them and historically this has been an area of difficulty: most policies only allow cover for up to 90 days at best.

Recently, the unique requirements of backpackers and long term travellers have been recognised in the form of specialist backpackers' insurance. Companies understand that backpackers and other similar travellers often visit areas out of the mainstream, such as places where healthcare facilities are basic and limited at best; there may also be more risk attached to your personal belongings going missing if the area you visit is renowned for its crime statistics.

A good backpacker's policy will mirror most of the usual features you might find in a standard multi trip travel insurance deal but with the added advantage that you are covered specifically for travelling over a long term and that if you are visiting areas off the beaten track, you can enjoy the peace of mind knowing you are insured.

You should nonetheless remember that any pre-existing medical conditions should be declared when taking out a backpackers' policy. It can be tempting to try and reduce your premiums by failing to do so, but in the event you needed to make a claim, the whole policy could be voided. For backpackers, this is of particular importance because as explained above, they may be visiting areas where healthcare is somewhat basic.

If you are going travelling across Europe, you are additionally advised to take out a European Health Identity Card (EHIC) on top of travel insurance. These is your right as a UK citizen, and entitles you to free basic healthcare in EU countries. Nevertheless bear in mind that the health systems in other states may not cover you for anything more than the most limited of procedures, which is why you need extra cover in place.

One advantage of backpackers travel insurance is that most policies are designed to cover you also when you are working ? insurers again recognise this unique requirement of backpackers. So if you injured yourself while grape picking or working in a bar, for example, the insurance would pay out to help you get better.

It makes a good deal of sense to have complete peace of mind while away travelling or backpacking for several months, and by choosing the right policy for your this you can go a long way towards enjoying the experience all the more.

Article Source: http://depositarticles.com/

For great deals on travel insurance visit AA Travel Insurance and ensure that emergency assistance is available 24 hours a day, 365 days a year.

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