Once you’ve worked out where you want to go, and have considered the length of your trip, there are a few important things still to think about.
Return visits – If life throws you a curveball and you need to come back home, be it for a wedding or a family emergency, then you’ll be in a much better place if you’ve planned this as a feature of your insurance cover.
Working abroad – While some policies will cover you for injury or illness while abroad, be aware this isn’t always the case when it comes to manual labour.Countries covered – You might have to pay a higher premium if you’re visiting certain countries. Not all backpacker policies cover you for travel to USA, Mexico or the Caribbean. Sometimes this can be linked to the high cost of medical treatment in such countries.
Age limits – Some backpacker insurance policies have age restrictions if, for example, you’re a mature student or you’ve taken a sabbatical. You might want to look instead for a policy that will cover you regardless of your age.
Political unrest – Many policies will not provide cover if the UK government (Foreign & Commonwealth Office) has advised against travel, often due to a country being at war or in a time of civil unrest.
It’s important to be aware that, on the points above, individual policies will vary and so you should be careful to ensure that any limitations are not going to impact on the type of cover you want.