Insurance is kinda boring, but when you need it, you'll be so glad you have it. There are a ton of different options out there so choosing the plan for you can take a bit of research and work.
First, you'll want to consider what kind of travel insurance you want. Usually, travel insurance can cover medical expenses, trip cancellation expenses and your baggage - you can choose some of these or all of these. The more you cover, the more it costs (but the more it saves you if things go wrong). Medical expenses are probably the most important, but trip cancellation insurance can be a big help if you're planning a big trip where things could change.
One big consideration for backpackers is ensuring your medical coverage covers some of the more, ah, adventurous activities. Some insurance policies won't cover you in the case of an accident if it occurs during high-risk activities (think bungee jumping, rock climbing scuba diving, etc. - a.k.a. a lot of the fun stuff). So be sure to have a good read of each policy you consider before you commit.
DISCOUNTS FOR HI MEMBERS ON TRAVEL INSURANCE
We know how hard you've worked to earn the money to go on that big trip of yours and how far a few extra dollars can take you. We've thus negotiated a discount for HI members with two different travel insurance companies :
SOME THINGS TO KEEP IN MINd
- Check into travel insurance prior to or at the same time that you're purchasing your airline ticket - cancellation insurance may have to be bought at the same time as your flight.
- Find out how to use your insurance BEFORE departing for your trip.
- Read your policy or talk to your travel consultant to find out how to make claims and what you need to provide for the claims.
- Keep a little piece of paper on you and stored in your digital documents with important numbers like the insurance company's name, contact information and your policy number.