Travel Insurance for Backpacking and Long Stay Trips

Backpacker's and Long Stay Travel Insurance

Protection for Long Trips:
  • Sports Activities Cover;
  • Personal liability Cover;
  • Medical Emergencies;
  • Trip Cancellation.

This special type of insurance policy was designed to provide long term coverage for people traveling abroad for long periods of time. Backpackers and long stay travel insurance provides continuous coverage for up to periods of 18 months. This is especially beneficial for students traveling during gap years or adventurous travelers that enjoy long backpacking trips.

Basics of backpackers travel insurance:

backpacking-travel-insurance-featuresLong stay travel insurance is the best choice for students studying abroad as insurers offer discounts for single travelers that choose long stay travel insurance policies. This policy is also the best choice for people that take part in volunteer programs or students taking school trips overseas.As this type of policy is designed for people traveling for long periods of time in more than one country or even more than one continent, the area of travel is the first thing you have to think about when purchasing backpackers travel insurance.

Most of the insurers we work with offer coverage in Europe, Australia and New Zealand and Worldwide. Depending on the insurer you choose you can buy a policy that will cover you in any one of the areas mentioned above or variations of those options.The age limit for backpackers travel insurance varies from insurer to insurer but mostly this type of policy will not cover travelers over the age of 51. Some insurance providers from the United Kingdom have been known to provide backpackers and long stay travel insurers for customers up to the ages of 65 but with more expensive insurance premiums.

What does backpackers and long stay insurance cover?

The extent of coverage you can get through a backpackers travel insurance policy depends on both the insurance provider you choose to get a quote from and purchase the policy and the type of policy you end up buying. Here are the basic types of coverage you benefit from with this product:

• Medical coverage. This includes emergency medical expenses as well as repatriation, dental treatment and hospital confinement costs.
• Trip cancellation coverage. Cancellation coverage will also provide protection against loss of trip plan deposits;
• Personal liability and rented accommodation coverage;
• Trip cancellation coverage. Cancellation coverage will also provide protection against loss of trip plan deposits;
• Trip delay coverage including abandonment after 24 hours and missed departure coverage;
• Pre-existing condition coverage;

More comprehensive backpackers travel insurance policies can be found. Some of these policies may include travel delay coverage and personal possessions coverage.

The benefits of backpackers and long stay travel insurance:

Due to the fact that the main beneficiaries of this product are students traveling during gap years or adventurous travelers, the most important aspect of this policy type is obviously the long period of coverage, sometimes even up to 18 months.

One other benefit of purchasing backpackers and long stay travel insurance is the possibility to tailor the policy according to your needs and budget. Customization is an important part of backpackers insurance and is especially important due to the fact that long trips are dependent on budgets.

In addition to long term coverage and customization, backpacking and long stay travel insurance also offers protection for a large number of activities, even dangerous activities such as sky diving and bungee jumping.