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Backpackers Insurance Travel - The Best Backpacker’s Insurance to Travel - Medical Coverage, Baggage, Other Tips

policy covered policies definitely

It is always very helpful to have insurance when you travel, and having backpacker’s insurance to travel is just as important. After all, you do not want to be on your own if something bad happens while you are out on the open road. Backpacker’s insurance for travel is actually geared toward young, healthy travelers who are also unemployed. This is because most people who go on backpacking trips tend to fall in this demographic. They have different needs than most other types of travelers who take a vacation, so it is only natural that a backpacker’s insurance policy will look quite different.

Medical Coverage

One of the most important parts of backpacker’s insurance for travel is, of course, medical coverage. Most policies do not cover pre-existing conditions, so do not expect coverage if you have a health condition that could be exacerbated by the trip. It is possible to get a separate policy to cover those pre-existing conditions, but it will probably be quite expensive. However, remember that paying for a hospital in an emergency is also very pricey. Backpackers should remember to look at the maximum amounts of coverage offered with each policy. A policy that looks much cheaper than other policies may have a much lower maximum amount of coverage, so take that into consideration when looking at prices.


Another important consideration to make is your baggage. Since you are spending a lot of time out on the open road, you are not taking much with you in the form of baggage. However, backpackers should think about what kinds of things are in their bags. For example, those who have an expensive camera should make sure that it is covered in the event of damage or theft. Remember that staying in hostels can be a bit riskier than staying in hotels because there is a lot less privacy. Backpackers are putting their things at risk even more than traditional travelers, so it is important to make sure that everything is covered. Backpackers should make sure to check with each insurance company to make sure of exactly what is covered. Often there is a provision that makes stolen items not covered if they are left unattended, and that word is used very loosely. Find out exactly what is meant by the word “unattended” and consider this when deciding whether the lower priced policy is definitely worth it.

Other Tips

Backpackers should also keep in mind the fact that some policies will not cover them in all countries of the world. It is definitely worth the extra time to find out which countries are covered by which policies. Most of them will cover all or most of the countries in the world, but there are typically a few holes in coverage. Make sure that the policy will cover you no matter where you are.

Backpackers who are looking for some recommendations of reputable companies that offer backpacker’s insurance for travel should definitely consider World Nomads. Many reputable backpacking websites use this company for their coverage, especially because it caters specifically to the backpacker.

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