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Many backpack travelers have learned that all travel insurance is  not made the same.  It is likely that backpackers would get proper coverage when we talk about travel insurance.  However, the activities that backpackers do are not covered by the insurance.

Despite the fact that the coverage is there for the benefit of backpackers, keep in mind to have something to cover more that a cancellation.  The whole purpose of a cheap travel insurance policy is to get some sort of medical coverage and certainly coverage for items while you are traveling abroad. This would be something for a backpacker to consider especially because they often travel through the mountains, and take wilderness hikes.

Standard policies will place limits on the activities that people can engage in, and may even limit where they can go.  So it would be smart to inform them where you will be traveling to.  Especially when doing an international hike, it would be beneficial for you to disclose where you intend to go, and any concerns about items you might want to have coverage for just in case.

And just keep in mind, that even though you are backpacking, these insurance companies believe that you are more likely to be robbed or assaulted so that makes you a higher risk.  Funny how taking nature trip could be of higher risk when compared with staying in a building that could burn to the ground.

Make sure you look at the medical coverage on a backpacking travel insurance policy too.  Most don’t cover pre-existing ailments, so if you have a history of heart problems and you do have a heart attack while you are traveling, you will not be covered.  In this case, you would see if there is another policy available that you can get to provide you with what you need.