Travel Advice – Understand Travel Insurance: An essential part of your backpacking plans should involve getting and understanding travel insurance. You’ll need to speak to your insurance provider and investigate your policy thoroughly to verify details of exactly what your policy does and doesn’t cover. For worldwide travel insurance Money Supermarket has a database of travel insurers. There are some things that a backpacker insurance policy will usually cover as standard, so read on for the lowdown on the essentials:
Medical cover is probably the most important part of your insurance plan. The US government recommends checking whether or not your existing medical insurance policy covers things like medical evacuation; if it doesn’t it is recommended that you take out a supplemental policy to cover yourself. Healthcare cover should cover you for between two and three million USD. Some policies also include a 24 hour emergency service. With this, you’ll be entitled to assistance from a specialized company, helping you with everything from repatriation to on-the-spot advice.
It is extremely important to be aware that many policies will exclude cover for injuries incurred whilst participating in certain activities, such as jet-skiing or sky diving.
Your insurance provider will usually be more than happy to include cover for such extreme activities, providing you’re willing to pay a higher premium.
Policies usually include cover for cash and documents (e.g. passport), although there are limits, so check your policy thoroughly and, if there’s anything you don’t understand, ask your insurer. With policies usually carrying an upper limit on both the amount claimed per item and the total claim, you’ll need to make sure that if you’re taking any expensive items with you they will definitely be covered. Again, you’ll often be able to purchase extra cover for such items. Make sure your luggage is covered – airlines are only obliged to pay back a tiny amount per kilo of lost luggage, which could see you seriously out of pocket if anything were to happen.
Wherever you are, theft must be reported to the police within 24 hours, proof of which will be requested by your insurance company if they’re going to process any claims.
Personal Accident Cover
In the unlikely event of death or permanent disability incurred whilst on your trip, your insurance company will pay out a fixed sum. Some policies will even cover legal expenses incurred when pursuing compensation after such an event.
Personal Liability Cover
This covers costs incurred by you if you injure someone or damage their property and you’re subsequently sued.
This needs to begin on the date you book your holiday, because it covers you for having to cancel your trip, either in part or in full. Similarly, some policies will cover you if your flights are moved or completely cancelled and you’re forced to forego some or all of your trip.
Things To Remember:
- Declare any existing health conditions or anything else you think might affect a potential claim. Any failure to do so could see your insurance policy completely invalidated, which means you’ll be covered for absolutely nothing.
- Be fully aware that your insurance policy probably won’t cover you for any alcohol or drug-related injuries or accidents.
- Always purchase cover from a reputable insurer that will pay out for valid claims quickly and in full.
- You may have some degree of travel insurance from things like credit cards or private healthcare insurance, but these rarely provide comprehensive worldwide cover so always check the fine print.
- Remember also to keep a copy of your insurance policy and emergency contact numbers on your person at all times while travelling – you never know when you might need it.
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Travel Insurance Is Not A Luxury, It’s Essential!
The holiday has been planned, flights booked, accommodation booked, car hire booked. Everything has been paid for. The suitcase is packed, the passport’s in hand and the spending money is bulging out of your purse, ready to be turned into a wonderful keepsake from a far off destination.
Then things go pear shaped. You miss you connecting flight, or you suit case is lost or worse stolen. You left your purse in the restroom and by the time you get back, it’s gone and just as you think it can’t get any worse, you trip on your shoes and twist your ankle.
Where do you go from here? You call your trusty travel insurer.
Insurance is a Must
People spend such a long time saving up for that dream holiday, that when it comes time to pay, the travel insurance for some reason gets overlooked and yet it is probably the cheapest and the most essential part of your entire trip.
The airfares, the accommodation and the spending money always seem to take the lead, because without the airfare you won’t get there, without the accommodation you’ll have nowhere to sleep and without the spending money you have nothing to eat.
But guess what? Without the insurance you’ll have nothing to fall back on if things don’t turn out as planned. A small initial outlay before your trip could potentially end up saving you thousands of dollars should you run into trouble whilst on your trip.
Peace of Mind
Paying that little extra towards your chosen travel insurance, offers you the peace of mind to help you really be able to relax and enjoy your holiday. The policy that you choose will offer different levels of cover, but the important thing is that you’ll be covered.
Overseas medical and dental, cancellation costs, money, hijacking, travel delays and car rental insurance excess are just a few of the things that will be covered in order to give you peace of mind.
Whether you are going interstate or international, once you have chosen the correct insurance that is suitable for your journey, all you’ll need to worry about is making sure you enjoy yourself.
Don’t plan the perfect holiday only to have it ruined by something unexpected. Put your mind at rest knowing that you’re in safe hands and book your holiday insurance today. The best thing that could happen is that you don’t need to use it, but don’t let the possibility become a reality.