Backpacking and hiking have become a common trend for travelers who want to see more of what the world has to offer. Adventurers and thrill-seekers are constantly looking for quiet places for escape. The wild has become a necessity for those who want to escape the boredom of everyday urban life. However, the wild can turn to be unfriendly. Though we always plan and hope for the best, sometimes adventure can be filled with danger and uncertainty.
Having a travel insurance cover is a must. Travel insurance for backpackers and hikers is typically less expensive as compared to the other standard insurance covers. This type of insurance provides the much-needed cover to make your holiday a worry-free. Some backpackers are known for going to greater lengths of saving their money and ignore hiking insurance. Sometimes it may work for them, but the fact remains we don’t know when disaster strikes.
Risks Facing a Backpacker
During backpacking, there are a lot of things that could go wrong. You may get injured or seriously become ill on your trip. Backpackers gain access to remote areas of the world often on foot and accidents and illnesses can occur anywhere. They may get a bad encounter with unusual or poisoned food, a sting from a poisonous insect and other related illnesses. If such unfortunate situations happen, you are assured your backpacker travel insurance shall have you covered.
You may encounter an incidence where you are robbed of your credit cards, money and passport. You may also be severely hurt get stranded in a remote area. If you get stranded, your first escape strategy would be to seek an emergency medical evacuation. Backpackers typically don’t carry a lot of stuff, and their belongings may get stolen.
Another incidence may happen where your flight is delayed for a few days. According to the refund policy, you are bound to lose some money off your travel ticket. In such a situation, you need a cover that can offer you a refund. Travel insurance comes in handy to help you in the case of these unfortunate incidences.
What Type of Cover Do You Need
When planning to travel, you should ensure your insurance covers a couple of area. You need a medical expense cover for emergency medical and dental care in case you fall ill suddenly. You also need passport and credit card coverage where you get reimbursed for unauthorized credit card charges, fees for replacing passports and emergency cash advances.
You may also consider emergency evacuation coverage which works in ensuring you receive necessary evacuations and ultimately the much-needed medical treatment. Baggage coverage is another, where you get reimbursement for your replacement value. Other types of coverage you may consider include travel delay coverage and trip interruption coverage.
Different categories of people should consider getting a backpacker travel insurance. Students on camping trips are advised to get a cover. Families backpacking with their children should also get a cover. Individuals and couples on remote backpacking trips should also consider getting insured.