It is true that travel disaster can occur anytime to anyone. No matter if you are travelling within a city or to another country, you should always keep yourself prepared for the worst. If you are planning for backpacking or hiking, it is even more important to equip yourself with an insurance plan that can protect you in many ways. Without any doubt, the insurance policies designed for the backpackers and hikers are somewhat different from the regular ones. They are designed particularly to keep you safe and sound while on the road.
Customized as per your needs
For the backpackers, there are travel insurance policies available that can be fine-tuned as per the nature of their trip. Some of the vital aspects of these policies are as mentioned:
- Trip interruption coverage: This coverage reimburses the insured for the unexpected air ticket booking, accommodation as well as transportation costs related to the process of getting back to your home, mainly because of an emergency. Figuring out a “back to home” plan is easier when you are in a city; but when you are backpacking or hiking, the process can be a bit difficult. During your hiking trip, you could be a place where the availability of public transport facilities isn’t that good. In such situations, you usually have to hire a cab by paying a hefty amount. This is why it is helpful to have a travel insurance plan by your side.
- Medical expense coverage: Hiking sometimes can be tough; it can take a toll on your health. A lot of hikers fall ill during their trip, mainly due to reasons like sudden change in the weather conditions, food poisoning, etc. You might also get injured during your backpacking or hiking trip, particularly if the trip involves a lot of adventurous activities. So, if you are in some remote location, availing emergency medical services can be a bit expensive. Fortunately, you will not have to worry about medical expenses. The travel insurance policy purchased by you will take care of the medical bills.
- Loss of baggage: Backpacking and hiking trips do not encompass luxurious hotels and lots of basic facilities. These trips are mostly about exploring the wilderness and nature. You often have to live in tents or on the highway side hotels. In such cases, the chances of losing your personal items always remain high. In fact, you cannot rule out the possibility of your expensive items getting stolen. You might even lose some items on your way. Thankfully, you don’t have to worry a lot about your lost baggage if you have a policy in place. The insurance policy will cover the loss incurred by you.
- Credit card coverage: The use of credit cards in India is getting more and more common these days. After all, having a credit card means a lot of conveniences. It is more useful when you are travelling to unknown places. But, it is also true that incidents related to the unauthorized use of credit cards are on the rise. For this reason, you must equip yourself with a policy that can reimburse you in such cases.
Choose the right add-ons for your backpacking/hiking travel insurance policy
The add-ons must be selected according to the place where you will be backpacking. Whether you will be backpacking through a rainforest or a mountain valley, you must always include the benefit of medical emergency evacuation in your travel insurance policy. No matter where you are, you will always be able to avail the best evacuation services and pay nothing from your pocket.
Likewise, there are many other add-ons available too. In the remote areas, the hotels are usually not quite safe. Accessibility to such locations can be difficult for your family members. So, if anything bad happens to you, they will not have to worry about the financial part at least. There is an important tip that you should always keep in mind your during backpacking or hiking trip. It is related to your identification. You must always carry the necessary copies of your identification. It can be your driving license, passport, voter ID card, etc. Plus, you should also carry a copy of your insurance policy papers.
So, those were some of the vital aspects related to backpacking and hiking related travel insurance policies. In the current market, there are plenty of insurance companies available. Each company offers a wide range of insurance policies. But when it comes to buying a travel insurance policy for backpacking or hiking, you must take a detailed look. Comparing the features or highlights of the policies is crucial. You must choose a policy that best suits the nature of your backpacking or hiking trip. In this way, you will be able to remain stress-free during your trip.