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Backpacker travel insurance

There’s nothing like the thrill of packing your most important belongings in your backpack, grabbing your passport and taking off to explore the world with a couple of travel companions.

Whether you’re discovering Europe’s fascinating capitals, experiencing the many cultures of Southeast Asia, adventure traveling Down Under, or exploring majestic national parks, the time for adventure has arrived.

With global exploration sometimes comes unexpected surprises, so be sure to always pack a backpacker travel insurance policy before you set off.

Customizable travel insurance for backpackers is perfect for travelers heading out to explore the world. Why? Because if and when the unexpected happens, whether you’re halfway across the country or on the other side of the world, your backpacker insurance policy will help protect the hard-earned money you’ve spent on the trip — and get you the medical care you might need in case of a medical emergency.

Top backpacking destinations

Australia & New Zealand

From chic Sydney to the Great Barrier Reef, Australia is a must-see destination for many. Throw in a week or two in gorgeous New Zealand and you’ve got all the makings of an epic trip.

Spain

With stunning landscapes, a laid-back and welcoming vibe, incredible culture, and not to be missed nightlife, it’s no wonder shoestring travelers from all over the world flock to Spain.

Thailand

Long established as a wonderful destination for budget and solo travelers, Thailand tempts with incredible food, vibrant nightlife, amazing outdoor recreation, and a wealth of fascinating history.

Argentina

Cross bucket-list destinations such as Buenos Aires, Ushuaia (the “end of the world”), and the Iguazu Falls off your list in cosmopolitan and traveler-friendly Argentina.

Travel insurance that’s got your back(pack): what does backpacker travel insurance cover?

Backpacker travel insurance policies include a few key coverages:

Travel medical coverage

in case you fall ill or are injured while traveling you will have coverage for medical expenses and medical emergencies. You can even include coverage for adventure sports like scuba diving and mountain climbing. After all, your everyday private health insurance may not cover you when you’re traveling outside the country

Emergency medical evacuation

if you become seriously ill or injured while backpacking, chances are the local medical facilities may not be adequate to treat your condition. That’s when emergency evacuation coverage comes in — it can pay for medical transportation to the nearest adequate medical facility, or even to your home if necessary. An air ambulance can easily cost $100,000, so you can see how important this coverage can be. It’s also primary, which means you don’t have to pay out of pocket and wait to be reimbursed later

Trip cancellation, trip interruption and trip delay:

despite the best-laid travel plans, sometimes things go sideways. Backpacker travel insurance protects you if you have to cancel or interrupt your trip unexpectedly, or if your trip is delayed as a result of a wide range of reasons

Lost, stolen or delayed baggage

when traveling in foreign countries via planes, trains, and automobiles, lost, stolen or delayed baggage can be an unfortunate reality. Affordable travel insurance ensures you can replace your most important belongings, without having to go home early. You’ll even be covered if you have to replace a lost or stolen passport

What is not covered by backpacker travel insurance?

There are a few key things that aren’t covered by your typical travel insurance plan:
  • Wear and tear of your travel gear, including your trusty ‘pack
  • Search and rescue, unless additional coverage is added
  • Certain excluded extreme sports
  • Trips lasting more than 90 days

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.