Backpacker Travel Insurance – Don’t Let Exams Spoil Your Adventures

Traveling to far away and exotic places is something that is high on the list of priorities for many people in this age of easy travel. It is especially true for young people with itchy feet who are finishing up school or college and eager to be independent and explore the world. Travel insurance companies accommodate for this type of travel by offering insurance for backpackers, students on a gap year, or any young (or even not-so-young) person needing insurance for an extended trip. It’s just a matter of finding the right policy that will tick all the boxes.Okay, so you may not plan to take much luggage and are not bothered about your property being stolen – but that is not a good reason to skip purchasing travel insurance altogether! At a very minimum, a backpacker policy is important as it provides cover for those unexpected mishaps – which hopefully will never be needed – such as emergency medical expenses, personal liability, and legal costs.Adventure sports activities are included as standard in many backpacker policies. However, the activities must usually be participated in on a ‘casual’ basis only (i.e. not the main purpose of the trip) such as scuba diving, wind surfing, or a parachute or bungee jump. Be sure to check the terms and exclusions in any policy and understand what is and is not covered – as well as any excess (deductible) that may apply.Worried about examination results? It is not necessary to delay travel while biting your nails and waiting for those important, life-changing, exam results. A backpacker policy will often provide cover for cancellation or curtailment of a trip if a re-sit of exams becomes necessary. Check the actual terms and conditions, as typically it must be an approved examining body and the date of issue of the policy must be prior to the exam dates relating to any failed exam or course.It may be worthwhile – especially during difficult economic times – to pay a little extra for a policy which includes cover for ‘Scheduled Airline Failure’ – and this is included as standard in many backpacker policies.Some restrictions may apply to a backpacker policy regarding traveling and working. If a travel itinerary includes plans to work abroad or participate in paid or unpaid voluntary work a different type of policy may be needed. If in doubt, always ask to make sure the policy has the necessary levels of cover.Travel Insurance Agencies Ltd. provide a range of policies designed for backpackers and travelers up to age 46 who plan to travel light. Why waste those precious travel funds on insurance cover you don’t really need. A backpacker or Discovery Light policy is designed to be affordable for those who plan to travel without a lot of luggage by excluding cover for personal effects, baggage and cash.A backpacker policy can usually be combined with winter sports (skiing/snowboarding) cover for an additional premium – such as a Discovery policy. This will normally include cover for ski equipment, ski pass and ski hire for up to one year of travel. Make sure that air ambulance and emergency medical repatriation is included, as the cost for these services abroad can be astronomical – especially in the USA.One big advantage of booking travel insurance through the internet is having access to an immediate online cover note. If, as so often happens, the boring details of the trip – such as sorting out travel insurance – are left until the last minute there will be no need to wait for the policy documents to arrive in the post. The policy wording will also be available to view online if needed.Foreign travel is something most young people excitedly look forward to once all the years of hard work and study are over. The playgrounds of the world await – and it simply is not worth taking the risk of spoiling the reward and that trip of a lifetime by neglecting to take out travel or backpacker insurance. Those itchy feet are likely to walk into all sorts of exciting adventures – so it is important to protect and care for them – wherever they may lead!