Travel insurance at affordable premiums

Why buy backpacker insurance?

Here you will find a number of frequently asked questions on the subject of backpacker and related policies.

At BenGo Travel we always welcome enquiries relating to our products. We'll gladly clarify anything relating to our backpacker insurance or any of our other policies.

Why do backpackers need insurance?

It is true that travelling light and for longer durations tends to be associated with economising and making your own way.

Perhaps you may also welcome the opportunity to experience travelling rough and as such, you may be prepared to put up with a little more discomfort than would normally be the case with a conventional holiday or business travel.

However, things may go just as wrong for you as for anyone else. That might include ill health, the need to cut your holiday short following a crisis and so on.

For all these reasons, backpackers may need appropriate insurance policies to protect their interests.

What type of things does it cover?

It is important to read the policy carefully to understand the full scope of the protection provided.

Nevertheless, you might find that it typically covers things such as personal accidents, medical expenses and the need to cancel or cut short your trip.

Some elements of the cover might be significantly different to those you may be familiar with from policies relating to conventional holidays or other forms of overseas travel.

Do I need to reside in the UK in order to get this cover?

No, it is typically available to both residents of the UK and other EU countries.

What makes these types of policies different to other travel insurance?

Many backpackers typically travel for extended periods of time.

Their travel arrangements are frequently ad-hoc and irregular. It is also typically the case that things such as their luggage and personal belongings may be rather more at risk than those of conventional travellers.

In fact, there are many things that make backpacker travel different. That's why a specific policy has been developed to provide appropriate protection.

Are there age restrictions?

Typically yes.

Due to the fundamentally different nature of this type of travel, policies might typically specify certain maximum ages to an extent that might not be the case with other forms of policy cover.

Are there any exclusions?

Virtually all policies providing insurance protection, irrespective of their nature, will contain conditions and exclusions of some type.

These should be looked at closely but might be seen to be a matter of common-sense including:

  • some countries might be excluded from cover, particularly those where there are existing government or United Nations warnings against travel;
  • if you are suffering from any form of pre-existing medical condition, it should be declared as part of your application. Some conditions might be excluded as the cause of a claim or in some circumstances they may be covered but only upon payment of an additional premium;
  • health cover is typically aimed at providing emergency treatment rather than things that might be considered to be elective, such as cosmetic surgery etc.

Responsible insurance providers will always be happy to clarify what is or is not covered by their policies.

The importance of making sure that you understand the cover you are purchasing, in advance, cannot be overstated.