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Since the pandemic, there has been a significant increase in interest in hiking and backpacking travel, as travelers can explore the wonders of nature while maintaining social distance. Whether you’re planning on enjoying the beautiful views and fresh air of the Grand Canyon, or planning an immersive experience on Koh Lanta, Thailand, buying travel insurance is a good move for you. You need to evaluate if it exists.

Backpackers trekking to remote areas abroad should consider a comprehensive travel insurance plan as an economic safety net for unexpected medical costs. Your US health insurance may not cover you in other countries, so if you do not have travel insurance you will have to pay for emergency medical care yourself. Or, if your backpack is lost or stolen in transit, all your gear will be gone and you will have to use your own money to replace your backpack.

If you are a backpacker planning to wander the wilderness border, your US health insurance will probably cover your medical costs if you get injured or get sick. However, even if you pay a large amount of non-refundable money for flights, guided tours, or other activities, it’s a good idea to protect your travel investment from unexpected events that can upset your plans.

If you do not have a large non-refundable travel deposit, or if your health insurance covers your destination, you usually do not need travel insurance.

But for others, it may be wise to buy Comprehensive travel insurance A policy with travel cancellations, delays and interruptions, loss or theft of baggage and belongings, and benefits of medical expenses and medical evacuation compensation.

Backpacking Travel Cancellation

You probably spent a lot of time and perhaps money planning your next backpacking adventure. Maybe you booked a few days tour to enjoy your flight and perhaps one of the country’s natural wonders.

Let’s say you decide to pay for a guide to the Grand Staircase-Escalante National Monument in Utah, the home of Coyote Garchi. It boasts geological gems such as cliffs, canyon walls, natural bridges and arches. I can’t wait to go. However, a few days before my vacation, I broke my ankle in flag football and found that I had to wait.It’s a trip Cancellation travel insurance Travel Cancellation Benefits will refund 100% of non-refundable prepaid expenses.

You can make a claim to collect your tour deposit, non-refundable airfare, and other non-refundable deposits.

In addition to injuries, death, illness, national emergencies, terrorism, family emergencies, unemployment, and cancellation due to military deployment are often covered by travel insurance plans. Be sure to check the policy as the list of acceptable reasons for canceling a trip varies from company to company.

“If you’re going on a backpacking trip, you’ll need to tally the prepaid costs: campsites, park admission, wilderness permits, and transportation fees,” said a World Nomads spokeswoman during the trip. Lisa Cheng said. Insurance company. “If you are paying a large amount of travel expenses in advance, compensation for travel cancellations and travel interruptions may be helpful in the event of an unforeseen event.”

Not all reasons for cancellation are covered by standard travel cancellation insurance. For example, if your girlfriend threatens to break up with you because a backpacking trip with your companion is angry that you aren’t around to celebrate her birthday. What happens? You will not be covered because of that cancellation.

To protect against these types of scenarios, you may be able to add a “Cancel for Some Reason” (CFAR) insurance upgrade to your policy. This additional protection will increase travel insurance costs by an average of 50%. With the “Cancel for Some Reason” coverage, you can literally cancel your trip for any reason and get a partial refund. Usually 75% of travel costs. CFAR billing must be canceled at least 48 hours before departure.

Delayed backpacking

Ralph Waldo Emerson famously says, “It’s a journey, not a destination.” This may be especially true when backpacking, but if you’re stuck overnight at the airport due to flight delays, you’ll get a high refund for hot meals and the literary value of your hotel room. Can be evaluated.

The travel delay benefits included in your travel insurance plan can be refunded to you if you are late to get to where you want to go. For example, suppose you fly to Arizona for a trip to the Grand Canyon and miss a connection due to a storm in Chicago. Travel delay insurance can reimburse you for hotel, meal, transportation, and other expenses related to delays.

If you are unable to take a helicopter tour of the Grand Canyon due to a delay in your trip, you can also charge for such costs.

Please read the policy carefully as many policies require a waiting period of 3-12 hours before the offer begins.

Backpacking cut short

The last thing that comes to mind when enjoying high-altitude mountaineering in Colorado is rushing home due to a sudden family emergency, such as a flood in the house, but unexpected things happen.

Travel insurance coverage for travel interruptions is a last-minute one-way return flight payment. You can also cover unused, prepaid, and non-refundable spending for missed entertainment and activities.

Pay close attention to the coverage of medical expenses

Backpackers are, by nature, bold explorers who love the exhilaration of experiencing a low-travel road. For example, when crossing the Kathmandu Valley in Nepal or the Inca Trail in Peru, this carries some risk.that’s why Travel medical insurance It’s important if you’re backpacking abroad where your own health insurance may be limited or you may not have global coverage.

“Nature is not only awe-inspiring, it can be unpredictable,” said Cheng of World Nomads. “When you go out into the wilderness on a backpacking trip, everything can happen, from ankle sprains to dehydration to encounters with animals.”

Comprehensive travel insurance includes coverage for medical expenses that allow you to pay for emergency medical expenses such as hospital bills, prescription drugs, diagnostics and lab tests. You can find a generous $ 500,000 travel insurance plan for medical insurance, but if you feel you don’t need that much you can buy less.

Get post-patient remittance in an emergency

In the event of a serious accident that requires airlifting to a hospital for treatment, it is not only emergency medical care, but can also be an economic crisis if you have to pay for it yourself. The Medevac service can cost tens of thousands to hundreds of thousands of dollars, depending on the location.

Fortunately, the travel insurance company’s emergency support team can arrange and invoice medeback transportation up to your insurance medical evacuation limit. If you are a backpacker in a remote location, consider this coverage limit. Some plans have a coverage of $ 1 million, while others have lower evacuation limits.

“It doesn’t matter where you are, whether it’s the top of a mountain or a distant road. When you’re in danger, a travel insurance company should take you to the right hospital,” Chen said. say.

Before traveling, make sure you and your travel companions are programming your travel insurance company’s emergency assistance hotline on your phone.

There are also exclusions you should be aware of. “Many travel insurance companies do not cover search and rescue missions, so be familiar with the trails, bring a compass or GPS and maps, and let your friends and family know where you are going. Emergency.” Chen advises.

Lose gear

Unlike a suitcase full of clothes, the backpack is likely to contain tents, shelters, campfire meals and possibly equipment needed for GPS devices, so it’s worth protecting with travel insurance. ..

If you are on a series of flights and cannot carry your backpack on board, you should check it as baggage and pray for it to appear at your destination. Travel insurance plan baggage benefits can be refunded up to the insurance amount if the backpack is lost or delayed in transit, or stolen during the trip.

The coverage extends to your personal belongings, so you can also get compensation for the contents of your backpack.

When looking for a policy, Cheng recommends paying attention to the baggage benefit limits and maximum baggage benefit limits for each article to ensure that they are well covered.

You should also be aware of other restrictions when making a claim. “Travel insurance companies do not cover equipment damaged by use or damage, and when paying insurance, they take into account the current value of the item, not the original purchase price,” she says. ..

Baggage coverage may also be “secondary”. That is, you must first claim for other applicable coverage, such as homeowners insurance.

“Adventure” upgrade may be required

Not all travel insurance plans cover “adventure” activities, so before purchasing a travel insurance plan, whether it covers planned activities, whether upgrades are needed, or simply. Make sure the plan is not suitable for your trip.

Many travel insurance companies offer adventure upgrades that have high medical costs and evacuation limits and do not eliminate “extreme” activities such as rafting and mountaineering.

For example, World Nomads plans include coverage of over 150 activities and adventure sports, such as camping and hiking.