The 6 month backpackers travel insurance would be an ideal fit for you, if your travel is more than 31 days and less than a year. Don’t even think of travelling without insurance as there are many problems that you could face.
Travel insurance policies differ from provider to provider but as a thumb rule the higher the premium the cover is more comprehensive. So read the fine print carefully and go through the terms and conditions to make sure what your 6 month travel insurance covers.
You should opt for 6 month travel insurance if you are visiting Europe as you would be visiting any of those lovely countries and it is quite easy to extend your stay.
While a lot of people believe that they are healthy and never need travel insurance on their travels, they couldn’t be more wrong. Travel insurance is for much for than you normal health protection - If you have chosen wisely, it covers things that are the most menial, i.e, camera breaking, to those that are much more serious, i.e, cancelled flights or death in the family forcing you to come home or stolen possessions. It is the single most important thing you should get but hope to never have to use. All these situations can occur at any time, so before you travel, be mindful, do your homework, and have travel insurance for at least 6 months.
Travel insurance is one of the most complex and confusing aspects of planning a vacation or a trip. With the myriad of plans and companies out there, people can easily get confused about what they should get and why. But, what is imperative is that rather than not getting it due to the time it takes and struggling later on, you should always spend some time to choose and buy the best possible option before you leave.
On the road, travel insurance is a must-have. You never know what could happen, and most health and other insurance plans that you might have locally, don’t cover you for your unexpected situations overseas. It is something that you hope you never have to use, but rather than being clever and not signing up to it, you should be safe than sorry later on. While it totally depends as to what length of insurance you should buy – the most ideal is one for 6 months.
So now that we have determined that a travel insurance before a vacation is a must, let’s look at the things that you should be on the lookout for before choosing the right option.
The right travel insurance should always include most of the following aspects:
Have basket financial protection if any company you are using goes bankrupt and you are stuck in another country.
Whereas one might feel that these are quite exhaustive in nature, but planning for all eventualities is better than being left in a situation that goes out of hand later on. In terms of the time frames for travel insurances, you should always make sure that you not only cover for the days that you plan to stay abroad, but also keep a leeway for a few days over the expected arrival back date. This way, in case of over-staying, you should still be covered. For example, if you plan to have a vacation for 5 months, take a plan that has all the above mentioned points, and covers you for a good 6 months.
There are some pretty comprehensive travel insurance policies which are perfect for an extended period of stay abroad. Its comprehensive cover not only insures you for 6 months but also sets your mind at rest.
More on 6-month backpackers insurance:
One of the commonly used extended stay travel insurance is the backpacker insurance. You do not necessarily have to be a backpacker when you opt for the 6-months backpacker insurance policy. The name is just to categorize the policy.
Six months travel insurance cover
Generally the policy includes:
- emergency medical and other expenses – cover £10 million;
- hospital benefit – cover £20 per day up to a maximum of £500;
- personal accident - cover £10,000 maximum;
- personal liability - cover £2 million;
- travel delay - cover £20 for the first 12 hours;
- thereafter £10 per 12 hour period;
- holiday abandonment - cover £3,000;
- missed departure - cover £600;
- catastrophe - cover £300;
- hijack - cover £50 per day up to £500;
- mugging - cover £50 per day up to £500;
- kennel/cattery fees - cover £10 per day up to £200;
- overseas legal expenses and assistance - cover £30,000 maximum (for two or more insured persons)
Additional cover for personal money, baggage, passport and winter sports cover may be purchased at additional premiums.
Some of the insurers offer a comprehensive 6-month gap year travel insurance policy for backpackers and students who volunteer to work or travel abroad in their gap year. Many of them have a short duration travel of a few months to experience something new. This policy has the following features such as one return visit permitted to your home country, free inclusion of Grade 1 hazardous activities in the cover and also covers non manual gap year work, such as fruit picking, bar work and au pairing.
Some of the gap year travel insurance covers up to 80 to 90 activities such as bungee jumping, rock climbing and skiing. Another thing to watch out for when looking for gap year insurance is that insurance companies do not provide travel insurance for some countries.