Backpacker Insurance – Complete Buyer’s Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Backpacking is an adventurous way to travel, but it’s important to be prepared for the unexpected. That’s where backpacker insurance comes in

. This type of insurance is designed specifically for travelers who are planning extended trips. It can cover a variety of unforeseen circumstances, from medical emergencies to lost luggage.

Here’s what you need to know about backpacker insurance and how to get the best policy for your trip.

What is Backpackers insurance?

Backpackers insurance is a type of insurance specifically designed to cover travelers who are going on extended trips.

Backpackers insurance is not the same as regular traveler’s insurance.

While most travelers use insurance to cover their costs if they have an accident or are the victim of a crime, backpackers’ insurance covers different circumstances. (Source)

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Types of Backpacker Insurance

Backpacker insurance is a type of insurance designed specifically for backpackers and other adventurous travelers.

  • Trip insurance
    Trip insurance is a type of insurance that covers travelers in the event of an interruption or cancellation of their trip.

    It can also provide coverage for lost or stolen luggage, medical emergencies, and other unforeseen expenses.
  • Cancellation insurance
    Cancellation insurance is a type of insurance that covers the costs associated with canceling a trip or event.

    This insurance can reimburse you for things like non-refundable deposits, lost prepaid expenses, and even missed opportunities.
  • Medical insurance
    Medical insurance is a type of insurance that helps to cover the cost of medical care. It can help to pay for things like doctor visits, hospital stays, and surgeries.
  • Baggage insurance
    Baggage insurance is a type of insurance that covers the loss or damage of personal belongings while traveling.

    This can include items such as luggage, electronics, and clothing. Baggage insurance can be purchased as a standalone policy or as an add-on to a travel insurance policy.
  • Personal liability insurance
    Personal liability insurance is insurance that protects an individual from being held liable for damages to another person or their property.

    This type of insurance can be purchased as part of a homeowner’s insurance policy or as a standalone policy.

How to Choose the Right Backpacker Insurance

When choosing the right backpacker insurance, there are a few things to consider.

First, what type of coverage do you need? There are many different types of policies available, so make sure to choose one that covers everything you need.

Second, how long will you be away?

Some policies have time limits, so be sure to get one that covers the entire duration of your trip.

Finally, consider the cost. If you are traveling for an extended period of time, you may want to consider purchasing a more comprehensive policy, which will offer more coverage.

Also read: Health Insurance for Foreigners in USA

The Benefits of Backpacker Insurance

Backpacker insurance is designed to cover the needs of young people who are traveling overseas on a budget. It typically includes cover for medical expenses, personal belongings, cancellation, and travel disruption.

  • Provides coverage for medical expenses
  • Covers lost or stolen belongings
  • Protects against trip cancellation or interruption
  • Offers 24/7 emergency assistance
  • Provides personal liability coverage

Also read: PPO Network Providers in USA – All You Need to Know

What to Look for in a Backpacker Insurance Policy

When choosing a backpacker insurance policy, it is important to consider what type of coverage you need. Some policies will cover medical expenses, while others will provide coverage for lost or stolen belongings.

It is also important to consider the length of your trip and the activities you will be participating in.

Check if your backpacker insurance policy provides these

  • Trip Cancellation and Interruption Coverage
  • Medical Coverage
  • Emergency Evacuation and Transportation Coverage
  • Baggage and Personal Effects Coverage
  • Accidental Death and Dismemberment Coverage
  • Travel Delay Coverage
  • Missed Connection Coverage

Also read: Best Health Insurance Companies for Expats

How to Get the Best Backpacker Insurance for Your Trip

If you’re going on a backpacking trip, you’ll want to make sure you have the best insurance coverage possible. Here are a few tips to help you get the best backpacker insurance for your trip:

1. Make sure you understand the coverage you’re getting. Read the fine print and make sure you understand what’s covered and what’s not.

2. Shop around and compare rates from different insurers.

3. Consider getting a policy that covers adventure activities. This can include mountain climbing, hiking and skiing, and other activities.

4. Talk to a professional before buying any insurance policy. Professional backpackers can help you figure out the type of policy you need and can give you tips to ensure that you get the best coverage.

If you’ve never bought backpacker insurance, now is the time to start. Backpacker insurance can be very expensive, so it’s always a good idea to compare rates and find out what’s included in the policy you buy.

Also read: IMG Insurance Review: Plans, Cost & Benefits (The Truth)

What Backpacker Insurance Should Cover

Backpacker insurance is a type of insurance designed specifically for people who are traveling.

It should ideally cover the following.

  • Medical expenses
  • Dental expenses
  • Trip cancellation
  • Trip interruption
  • Loss of baggage
  • Travel delay
  • Emergency evacuation
  • Accidental death and dismemberment

How Much Backpacker Insurance Should You Buy

When deciding how much backpacker insurance to buy, consider the type of activities you’ll be doing and your overall health.

If you plan on doing a lot of hiking and backpacking, you’ll need to make sure you have enough coverage for medical emergencies and evacuation.

Travel delays and cancellations, on the other hand, are less likely to happen, so you’ll probably only need enough coverage for these items.

A backpacker’s insurance policy typically costs between $5 and $15 per day.