If you’re planning a gap year or a long holiday you may need to get specialist travel cover before your go. Here’s a closer look at backpacker insurance and what it offers.
It’s an insurance policy designed for travellers going on a long trip or holiday abroad.
Most standard travel policies only offer cover for up to 30 days per trip, but some will cover you for up to 60 days. With a backpacker policy you can get cover for up to two years.
You’ll also be able to visit multiple different countries without taking out a separate policy for each one, perfect if you’re exploring several destinations in one trip.
If you’re planning a holiday or trip that will last for more than a month then backpacker cover could be the best choice for you - it’s also well suited to specific groups including:
However, backpacker policies often have a lower maximum age limit than standard policies, sometimes as low as 35, so you should always check this.
Backpacker insurance offers the same cover as a normal travel policy including:
Some Irish backpacker policies offer extras to cater to students or for long term travel, for example:
These extras differ from one insurer to another, so always check exactly what’s included with each policy and what you have to pay extra for.
To get the best backpacker travel insurance policy for your trip think about the following:
For more help, read our guide on how to choose the best travel insurance policy for your trip.
No, most insurers don’t offer cover once you’ve started your trip, so it’s best to arrange your travel insurance before you leave.
An annual policy lasts for a year but usually only covers holidays or overseas trips that last up to around a month. A backpacker policy is designed to cover a long term trip often covering multiple countries that could last anywhere up to two years.
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