Basically, one would think that backpacker insurance is something unnecessary to buy. For your information, backpackers are people who just pack their luggage and travel to places that are not as luxurious as usual holiday spots. They might just decide to backpack in a forest, mountains or any other places appeal to them. Usually, their backpacking trip would incur very little expenses and as cheap as they can get. Therefore, it is a very wrong to think that backpackers do not need insurance coverage. Since backpackers have higher chances to fall sick or injured during their trip compared to other types of travelers, they really need backpacker insurance. As mentioned above, backpackers only incur very little expenses during their trips and they might not have enough money to pay for the cost of medical fees in a foreign place.Backpacker insurance usually includes a lot of types of coverage which are like rescue cover for emergency rescue operations, medical cover for emergency medical treatments, personal liability, flight cancellation(pays for the expenses if your flight is canceled), and coverage for baggage loss or theft.Anyway, although backpacker insurance is essential for a backpacker, it is not necessary for you to buy the most expensive one. Of course, the most expensive policy would offer you the best protection, but you should ask yourself whether you need that much coverage from the policy. Check and determine what your requirements are first. Do your research on as many companies as you can to get the best deal.After that, you can approach the companies and ask for quotes based on what you need from backpacker insurance. Next, you should compare the quotes between companies in terms of price and other aspects like coverage. It is very seldom that you will find two same policies in all aspects. Ask as many questions as you can so that you would not end up buying something that you do not need.Otherwise, you can just search and purchase your backpacker insurance through the Internet. There are insurance comparison sites that would help you in comparing the policies available and most of the time, you will get cheaper prices when you purchase your insurance online. The companies there have lower overhead costs and stiff competition and these explain why they are willing to lower their price to attract more customers.
How To Avoid Trouble and Stay Safe Travelling Travelling is supposed to be fun but it can easily turn into a nightmare when things go wrong. While help can usually be found eventually it is always better to take precautions and avoid becoming a victim of crime in the first place.Personal Safety
Staying safe while out and about in a foreign country is usually a case of being aware of your location and noticing those around you. One of the most important things to do is to know your destination. Try to learn about your travel destination before you arrive there, do some research and be aware of any scams that are particularly popular there, as well as finding out about any areas that are known to be dangerous and best avoided.Avoid becoming the target
Even in areas that you think are safe it is important to be aware of possible dangers, criminals can operate anywhere and you can’t always spot them by sight. Most criminals are opportunistic, they are looking for an easy target so as a tourist you need to make sure you are not going to be that easy target, keeping yourself safe often just means doing simple things like:• Not keeping valuables in your back pocket – Money and other valuables should be stored somewhere that is difficult for someone to put their hand in unnoticed. A zipped pocket is ideal, or a least a side pocket that no-one can reach into without you being aware of it.
• Keeping your money out of sight – Some travellers like money-belts, others find them to be bulky, sweaty, and unnecessary. Whether you choose to use one or not the principle is the same. Keep most of your money concealed. You are going to need some money in your wallet or pocket to pay for your daily expenses but limit this to small bills and only take money from your main money stash when you are alone.
• Being aware of distractions – Many criminals operate in pairs or groups, one will distract you while the other empties your pockets or bag before you notice. Be aware of what is going on around you. If anyone approaches you to ask a question, take a photo, practice English etc., then take care that they really are alone and no-one is going through your belongings while your attention is diverted.Minimizing the damage if you are a victim
If you do have the misfortune to be targeted by criminals then you can ensure they do as little damage as possible by taking precautions before they strike. Splitting your money helps. If you only have a little money in your pocket then that is all they can take. The same is true for credit cards, if you must carry them with you then don’t keep them all in the same place, that way if someone does manage to get them out of one of your pockets then there is a good chance that everything in the other pocket will still be safe. Having a spare credit card and some cash can be vital if you do get robbed. You are probably still going to need somewhere to stay the night, and transport to get there, you could be miles from your destination at the time it happens and you don’t want to be left stranded.Using credit cards while travelling can make life much easier, but it can also open up the possibility of new dangers. Apart from the risk of having your card stolen, card skimming is a very real danger almost anywhere in the world. If you do take a credit card on your travels then make sure it is not one you use for any other purpose. It may be a good idea to apply for one specifically for your trip and cancel it when you return home. You don’t want to leave a criminal gang with your card details to use as they please long after you return home.Stolen passports are big business in many parts of the world and if you lose yours it can be a big hassle trying to get a new one issued. It is a wise precaution to keep a copy of your passport, card numbers, and bank details somewhere safe, either hidden on you or stored online where you can access it if required.Hostel accommodation is cheap and usually safe if you follow a few simple rules. Knowing the facilities your hostel offers is a good place to start. If the hostel has a safe then make use of it, there’s no point taking more risks than you need to. Thefts in hostels are rare but they can happen, using a sturdy lock on your backpack is always a good idea, and not checking on your valuables while other guests are watching is common sense. Following these simple rules will help you to have a great travelling experience and steer clear of anyone trying to target you for criminal purposes.
If you are a backpacker then you have a sense of adventure. Risk doesn’t deter you from setting out on new and exciting explorations. That’s terrific. However, sometimes it just makes sense to lower your risk. When it comes to travelling without backpacking travel insurance that is one of those times. Regardless of how experienced you are, traveling on foot can be risky and unpredictable. You can expect to be presented with situations you can not anticipate. When you invest in back packing travel insurance you can remove a big portion of that risk and set off on your adventure with a whole lot less to worry about. It just makes good sense to buy good quality insurance for backpackers.The good news is you can get what you need in backpacking travel insurance without busting your budget. There are a number of holiday travel insurance companies that offer special back packer policies at very reasonable prices. You do need to be sure to look specifically at policies that are designed for backpackers since foot travelers have some special requirements. Most backpacking insurance policies are geared toward people who travel more than once per year. These multi trip policies often cover both domestic and international travel. Of course, you can select backpacker travel insurance for a single trip if that is what you need. You will need to do a little research to find just the right policy for you but it is well worth your time and effort.The best place to begin your research for cheap backpacker travel insurance is with an online search. You’ll find that with one simple search you’ll uncover a good variety of companies and policies that provide special need backpacking insurance. There are many individual insurance carriers that provide comprehensive websites where you can find pricing, features, and other useful information. There are also a variety of travel insurance web portal sites that provide quotes for multiple carriers.As you are looking at policies you will need to decide just exactly what insurance you need. Be sure to give careful thought to medical coverage. Read the fine print to make sure that any activities you will be taking part in are covered. Some policies exclude adventure sports. If you will be partaking in these types of excursions you want to make sure you are covered.No doubt price will be a very important consideration for you. Cheap backpacking travel policies can be found that offer a good range of coverage but you may want to look at price last. Make sure that the policies you are considering are just right for your situation before making a decision based on price. It doesn’t do you much good to buy insurance at a low price if it won’t cover the types of claims you might have.So take a little time and do some background research. You are certain to find just the right travel insurance for backpacking. Once you have made your decision and purchased your policy you can start making plans for the fun part. Now go on your trip and have a great time. You can rest assured with a good insurance policy in your backpack your trip can be carefree.