Great Things About Backpacking Insurance
The typical backpacker travels the world with a few changes of clothes and not much else carried around on their back. Because their belongings are so minimal, many backpackers think that travel insurance is unnecessary for them, and make the massive mistake of neglecting to purchase backpacking insurance. In reality, backpacking insurance will cover a whole lot more than simply your luggage and personal effects, and if the unexpected occurs and you are not covered then you'll find yourself in a whole lot of trouble.
I-trek's backpacking insurance policies are catered to every kind of traveller, so you are sure to find a policy that will suit your own personal needs. If you are not worried about covering your luggage at all then take a look at the Silver and Bronze policies. Both of these will cover unlimited medical and hospital expenses, including dental cover, emergency assistance and cash for when you're in hospital. If you are unfortunate enough to fall ill or get injured when you are overseas, your backpacking insurance policy will relieve you of the financial burdens involved with hospitalisation and expensive medical procedures, meaning that you are not forced to cut your trip short.
Furthermore, the Silver policy will also give you $10,000 of cover for cancellation fees and lost deposits. You will appreciate this extra cover if you are forced to come home early or cancel your trip altogether because of an illness or injury. Accommodation and flights in particular can be highly expensive, and it is often difficult to get even a partial refund if you cancel with short notice. Having this extra level of cover will ensure that if you are forced to end your holiday then you can at least save the funds to reschedule your trip for a later date when you have recovered.
Another great thing about I-trek backpacking insurance is that you have the option to remove the excess for a further $25. By paying this extra amount you are ensuring that if you do have to make a claim you won't find yourself out of pocket at all. This is particularly helpful if you are going on longer trips where the possibility of making claims under your backpacker insurance policy is higher than normal. If you are only going for a short amount of time and are not too concerned about the $100 excess, then you can save money on your travel insurance policy by leaving the excess on.
As you will find out, travel insurance really isn't as expensive as it's made out to be. Do a few online quotes and you'll see that with I-trek you can cater your backpacking insurance to your own budget and your own needs, by covering only the essential things.
