Whether your boots are carrying you along back roads in Ireland or mountain trails in Nepal, backpacking is one of the best — and cheapest — ways to explore a foreign country.
Backpacking also presents a few travel challenges, however. When you’re traveling in remote and rural areas, who will help you in a medical emergency? When your flight to Cuzco gets canceled, what are you supposed to do? And when everything you own is in one pack, baggage theft becomes serious business.
Travel insurance can help backpackers deal with many common travel crises. And insurance won’t break your budget, either; cheap plans are available for every type of trip, from long rambles to carefully planned getaways.
Every plan differs in its benefits, coverage limits, covered reasons, and exclusions. In general, the key benefits to look for are:
Most travel insurance plans require you to submit precise travel dates and trip costs. What if you’re playing it by ear, as many backpackers do, and you don’t have a lot of prepaid costs? The OneTrip Emergency Medical Plan is a different kind of plan: simple, flexible and affordable travel insurance that includes only post-departure benefits.
What does that mean? The OneTrip Emergency Medical Plan keeps costs low because it doesn’t include trip cancellation/interruption benefits. If you have to cancel your trip, this plan won’t reimburse your nonrefundable, prepaid trip costs.
The OneTrip Emergency Medical Plan does include important benefits to protect you when you’re traveling, such as:
These aren’t the only benefits included; read your policy documents to understand all the benefits and exclusions. Another reason the OneTrip Emergency Medical Plan may be a good fit for backpackers: If you decide to extend your trip, you may be able to extend your coverage dates as well.
Not all backpackers are footloose and fancy-free. If you like having a set itinerary, with hotel reservations and train tickets, then you need travel insurance that can reimburse you for those pre-paid, nonrefundable costs when your trip has to be canceled or cut short due to a covered reason. Our most popular travel insurance product with trip cancellation/interruption benefits is the OneTrip Prime Plan, which includes:
If you’re happiest with a pack on your back, exploring unknown territory, then the AllTrips Basic may be the ideal travel companion. It’s an affordable travel insurance plan that offers protection for all your trips in a 365-day span. It also includes a bonus: up to $45,000 in collision/loss damage insurance for rental cars. The AllTrips Basic includes:
As always, make sure you read your plan documents carefully so you understand what’s covered. If you're not completely satisfied, you have 10 days (or more, depending on your state of residence) to request a refund, provided you haven't started your trip or initiated a claim. After this review period, your premium is nonrefundable. Please contact us with any questions. Happy backpacking!