For Backpackers And Hikers

If you have a tour in your mind and you want to travel the free way, a good backpacker policy is a thing you must consider before tour. Backpacking trips are bit riskier than regular planned travels. So in such case good backpacker becomes a mandatory criterion for a hassle free tour.

Most of the insurers don’t know all the benefits of insurance as they are unaware but these insurance policies help a traveler in many ways.

A Backpacker insurance policy is basically for those who are low on budget. You don’t have to pay high for regular insurance policy but you will surely get the essential coverage with backpackers policy. It covers you and your luggage at very less cost, as this type of insurance is designed for backpackers who are known for their low budgeted and unplanned travel schedules.

Before going through you must know backpacker insurance policy and its features.

Features provided by backpacker

There are some important features and coverage that backpacker policy can provide, these are as follows;

  • In case if you have to extend you trip due to any unexpected reason, backpacker insurance covers it too.
  • You get all covers round the clock all the year no matter what time or circumstances are there.
  • If you get sick during you trip, all the medical expenses will be covered by backpacker insurance providers. Most of the time such insurance policies also covers personal incidents that occur during travel (please confirm this before buying insurance policy from you insurance provider).
  • Many firms provide option to opt out which they don’t want to be covered and ask for the things which they want to be covered. This flexibility is an added advantage for insurers.
  • Many firms provide the option to the insurer that what they really want to be covered in their policy. This flexibility is an added advantage for insurers.
  • Many backpacker tours for winter sports, some travel for scuba diving. Such adventurous sports have high risks involved which can lead you to physical damages. Covers for such sports are also available as an optional measure. You can add such sports covers in your existing insurance for added safety.
  • You can extend you insurance any time with a single click sitting at your home in front of your computer.
  • Make sure that insurance policy covers the location in which you are planning to travel. Some companies provide insurance policies only for a certain country.

Now the biggest which every travelers generally asks is “Do I really need a backpacker insurance policy? And is it really worth it? “

Backpacker is surely recommended for you if you fell into any of these categories

  • You travel alone at places which are expected.
  • Your travel schedule is unexpected and never planned.
  • You have medical history or you are above 50 years of age.

Backpacking is surely an adventurous trip but it has its own risks too. Backpackers are very prone to injuries, robbery and related issues. There are some possible issues in which backpackers can easily get coverage. These are as follows:

Tour cancellation – Trips are cancelled many times due to many issues. Sometimes due to bad weather and sometimes due to some personal reason, one has to cancel his/her trip.

Emergency medical care – backpackers are very much prone to issue like food poisoning, diarrhea and other infections. Such diseases can lead to serious health issues which can be covered by purchasing insurance.

Accidents – accidents are common and can be occur at any time. Insurance not only covers for your injury but also the person affected by your mistake.

Theft or robbery – backpacker usually travel alone. They also stay at budget hotels. All this makes them prone to things like baggage theft and robbery.

Considering the current global scenario which is quite unsafe, having proper backpacker is very necessary.

A backpacker insurance policy can be a great help for every traveler who wants to travel the free way. So what are you waiting for? Get a backpacker for yourself and roam free

Unravelling the Mysteries of

can be a fantastic investment when you’re exploring the world, but you should invest time into obtaining the right coverage without spending over the odds. The range of policies available varies, and travelling without one is a risk. Prior to purchasing , carefully think over your options.

How It Works:

cover could be purchased for several reasons. Each policy has a specific plan or cover in place, which may mean you need to take on several policies to get the full cover you need. On the other hand, this is beneficial because it can help you get only the type of coverage you want and need rather than having too much.

Be careful when selecting . You need to get the type of coverage right for your specific trip. In order to select the right type and amount of , take some time to consider the options available to you. There are various levels and also various kinds of policies available to you. Choose a policy that covers you where you are going.

For example, if you are going overseas, the policy must provide protection in that country. Tailor the type of policy you selected based on the needs in that area, too. For example, a trip to San Francisco may give you plenty of health care options, but medical costs in the United States are very high. Should you need to seek out medical care, you will either need to pay in cash or you will need to have a that is suitable.

Also, depending on the way you travel, choose the right insurance for you. For example, if you are travelling with a lot of baggage or expensive personal items, you may need to consider more than if you were carrying only a small bag. Find a policy that covers the types of activities you plan to do. For some, hiring a car will be necessary which means having insurance to protect you from problems with that car.

It is also important to consider that will help pay you back when a trip is not longer possible. For example, you have booked and prepaid expenses at your accommodations, for fare and for tours.

Then, you find out that there is a cancellation needed, but these items may not be refundable. Having cancellation cover can be quite helpful because it will kick in and pay for your costs so you are not out a considerable amount of money.

Don’t Settle:

You may find a company available rather quickly to provide you with the insurance you need. The issue, though, can be that the travel cover is not likely to be the most competitive rate available.

One of the biggest mistakes you can make when getting is not shopping around. Talk to several insurance providers to find out what they can offer you and which policies are best suited for the type of travel you will be doing. On some websites, you may be able to find an online calculator to help you get a good idea what the costs are.

What Do Policies Cover?

Each policy covers something different, so you do have to read the fine print. There are several kinds of insurance available to you, which include:

* for medical and dental needs
* Personal liability insurance
* Rental car excess cover
* Delay cover (if you are facing a delay and need to rent a room, this policy may help cover the cost)
* Legal costs
* Cancellation cover
* Baggage cover
* Loss of income
* Domestic pet cover
* Hijacking cover
* Total permanent disability cover
* Accidental death cover
* Domestic services

There are even some very specific policies for such things as golf equipment and skiing protection. In any case, you need to consider the number of risks you face by going on this trip and then choose the right type of insurance cover for you.

With , you do need to be careful and not over buy. Having medical cover is a must for many people, and cancellation insurance can be beneficial whenever there is a reason to believe your trip may be cancelled.

If you are unsure about which type or how much you need to have you should work with your insurance provider to get just the right amount. Since you can shop for online, it only takes a few minutes to get an idea of the cost for the service. Many policies are not costly due to low risk, for a majority of people. Before choosing an option, carefully consider everything available.

Planning for Overseas Holidays? What About ?

Holiday season is on the cards. So, are you going to travel abroad this time? If yes, then do not miss in any case. The rates have gone dirt cheap and you can easily get a good level of coverage at the payment of a few hundred rupees. Yes, that’s true.

Sample this: A plan of USD 50,000 for a trip to Australia, Belgium or Malaysia can be taken in just Rs 397. Royal Sundaram, India’s leading general insurance company, is providing this facility at such a low cost.

The rates of premium are more or less the same for several countries other than the United States (US) and Canada. But even for the US and Canada, you can get a plan of USD 50,000 in just Rs 600.

If you double the coverage to USD 1,00,000, you just need to pay Rs 150 extra. That’s the kind of benefit, general insurance companies are providing to you these days.

Thanks to the highly competitive yet healthy environment created by the Insurance Regulatory and Development Authority of India (IRDAI) that general insurance plans in India have become so affordable.

There was a time when travelling to foreign countries was so mind boggling. Many countries are notorious for theft and loot. People lose their luggage during the travel and end up facing several issues.

But with , you can easily secure yourself and your belongings. The peace of mind comes with a cost and that cost has gone negligible. So, why to ignore it and travel without insurance?

There are incidents wherein people have lost their laptops from their side. Recently, a sales director of a consulting company was travelling to Switzerland lost his bag carrying expensive camera, cash, etc. from the airport. That was truly shocking to him. The bag could not be traced by the airlines and the police, and he had to suffer a loss to the tune of Rs 1 lakh. Alas, he did not buy this time.

Every time, he bought and since nothing unfortunate happened, this time he decided to save some money and forget about insurance.

This can be tempting to a lot of people. But remember that unfortunate incidents do not come calling. You have to stay alert and conscious. There are many things, which are not under your control. Loss of baggage is one of those risks. Thus, it is advisable to take general insurance each time and every time. There should not be any second thought about it.

Especially, during the holiday season from March to September, airports deal with excessive number of people and things tend to go wrong. You may be lucky sometimes but even if something happens even a single time, then several times of what you saved by not buying can be lost in a few moments.

It is better to be pound wise and penny foolish, than the other way around. Isn’t it?

These days, all online travel portals offer you plans on buying tickets from them. But no worries, in case you skip buying it from them or buy through any other mode. You can buy plans online, in a few minutes. It is very easy and fast. You can even buy it at the last moment – at the airport or from within the cab while travelling to the airport.