The further you go, the greater the need for dependable travel insurance. If you are back-packing, you are likely to be getting involved in activities and putting yourself in situations which require specialised cover.
What’s more, standard policies tend to include cover for personal possessions and costs which for a budget backpacker is unlikely to be appropriate. As a result, backpacker policies are often cheaper than standard holiday insurance.
Go Travel Insurance and 1Stop Travel Insurance are two reputable insurers offering affordable backpacker insurance policies with good levels of cover.
The policy is also highly flexible. If you’re going to be away for the whole year, you are probably going to need to earn some spending money while you’re away. The 1Stop policy will provide you with cover to do typical casual jobs, including bar work and fruit picking.
In addition, 1Stops allow you to return home during your trip if necessary. Although there are restrictions as to how many times you come back and for how long (three times, each for a maximum of fourteen days), the option to come back for home-cooked food might be tempting for those who are travelling for the first time.
You can book your policies with these companies online. Alternatively, both provide a telesales support team for arranging cover for more complex programs or to discuss pre-existing illnesses before booking.
It is important to look at a range of quotes before you buy your travel insurance. Both Go and 1 Stop offer a free quotation service.
Make sure that you read all the terms and conditions of your insurance policy before buying, so that you are sure it offers an adequate level of cover; if you have any questions just contact the companies by telephone.
If you are planning on going on a number of trips this year, each of less than 45 days, 1Stop recommends an annual travel policy rather than backpackers insurance. Full details of the annual policy and its benefits can be found on the 1Stop website.