So I guess the first thing to talk about is, what is backpackers travel insurance?! Pretty self explanatory but backpackers travel insurance covers travellers to be away for one extended trip, typically lasting for 12 months.
This type of insurance is different to annual or ‘multi-trip’ travel insurance because whilst the latter also provides cover for a whole 12 months, it imposes a cap on the length of each individual trip, usually of between 30 and 60 days.
So if you’re off around the word with your backpack, which I’m sure you are because you’re on our website, backpackers travel insurance is likely to be the policy for you.
Backpackers travel insurance policies usually last for 12 months but maximum cover can vary from 90 days all the way up to 18 months. Some policies allow you to extend your trip should you decide to but bear in mind, should you come home to the UK ahead of schedule, or even just temporarily, backpackers travel insurance typically becomes invalid.
When you select your backpacker insurance, be sure to think about where you will be going as worldwide excluding America tends to be cheaper so if you don’t plan to visit America in that 12 month period, select worldwide excluding for a better deal.
The biggest benefit of backpacker cover is that it will insure you for a whole host of countries on one extended trip. This means you don’t have to organise cover for each country separately.
Backpacker travel insurance will also incorporate cover for working abroad as well as for a range of sports and adventure activities that are popular among backpackers but you should also check the small print as some policies can exclude adventure sports!
Just like any good comprehensive policy, backpacker travel insurance typically offers a 24-hour help line which is especially useful for people travelling alone or for the first time.
As backpacker travel insurance is generally aimed at young people… You may be refused cover if you are over a certain age. If this happens, it’ll be a case of continuing your search or perhaps opt for an extended single trip policy.
Common exclusions with insurance for backpackers
While backpackers insurance may be the most suitable type of policy for your trip, it can also come with a raft of exclusions. It is imperative you know what these are as, when you are away for a long time in different countries and climates and possibly travelling alone, you don’t want to find out too late that you are not covered after all.
For example, certain countries – such as war zones or those in a state of political unrest – will not be covered under the policy. So always check the terms and conditions of geographical limits if you decide to change your itinerary.
It’s likely that your backpacker travel insurance will cover you for some basic adventure sports, others however may fall outside its terms and conditions. These might include potholing or scuba diving for example. Again, check the small print. Many activities can usually be covered as a bolt-on to your premium for a small additional sum.
If you have any pre-existing medical conditions, you may be refused backpackers insurance. However, it is crucial you are honest about these – even if it results in a higher premium or taking a different kind of policy – as failing to disclose information can result in the policy becoming invalid.
Weighing up price and cover
Whilst it’s always a good idea to shop around and compare deals on backpackers insurance, you should ensure you opt for the most suitable policy with the cover levels you need in the relevant areas, rather than simply choosing the cheapest policy.
It’s quite common for cheaper policies to come hand in hand with higher excesses (the amount you would need to pay up front in order to facilitate a claim) and you could be missing out on cover in key areas such as medical, baggage and personal item cover.
The insurer which came out the cheapest for Kieron and I was Alpha Travel Insurance. They quoted us, as a couple, £172.42 for just over a year. So cheap compared to all of the other insurers.
Steps to finding the cheapest and best cover
Use all of the main travel insurance compare websites!
Money Supermarket – http://www.moneysupermarket.com/travel-insurance/
Compare The Market – https://www.comparethemarket.com/travel-insurance/
Go Compare – http://www.gocompare.com/travel-insurance/
Confused – http://www.confused.com/travel-insurance
Note down the top 3 cheapest/best policies from each site and then once you’ve got a nice list either sorted by price, features or benefits, head over to Quidco…
Quidco is a cashback website that pays you when you click through them, go to retailers or product providers and spend. You can make £100s a year using them correctly.
For example, I used all the compare websites and managed to find the cheapest insurance with Alpha Travel Insurance. I headed to Quidco, did a quick search and found that Alpha were on there and they were offering 20% cashback!! Obviously these cashback deals change all the time but that meant that I got £34 cashback so that pushed down our insurance even more.
As always, any questions, please ask away below or fire us an email firstname.lastname@example.org