Finding The Right Backpacker Travel Insurance For Your Gap Year or Adventure Holiday
A look at some things to consider when shopping for comprehensive cover that will ensure you are not left stranded abroad.
People that would like to spend a few months travelling around the world or discovering one particular country at their leisure may feel that buying a policy to protect them whilst away is not quite in the spirit of their forthcoming adventure. However, although it can be great fun to set off without any clear idea of where you are going to end up, being stranded with no money or not being able to afford hospital bills after an accident is no fun at all. For this reason, buying some type of cover is well worth thinking about before you leave for an extended break.
Whether or not an ordinary travel policy will be suitable for your needs may depend on how much planning you have done beforehand. For example, if you are not even sure how long you will be out of the country for then you may run into some problems when trying to buy cover. However, there are a number of firms that sell backpacker travel insurance, which can be extended whilst you are abroad if necessary. Some of these companies also sell policies that cover people when they are working overseas or taking part in potentially dangerous sporting activities, making them ideal for younger travellers and anybody that likes to enjoy themselves when they are abroad.
If you are planning to drive across Europe or another large land mass then it is a good idea to look for a policy that covers campervans and similar vehicles. It is also handy to buy one that allows you to put several drivers on the paperwork so that all the people in your group can spend some time behind the wheel. A policy that provides assistance in the event of a breakdown is especially useful if nobody in your group is mechanically minded and could help to avoid your trip being ruined.
If you have any special requirements that you are not sure whether an insurer will cover you for then it is a good idea to telephone a few companies to see what they have to say. As long as your requirements are not too extreme then it is quite likely that you will find a firm that is willing to help.
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