Travelling, whether it is through tours and cruises or backpacking and planning one’s own itinerary, costs money. This becomes more glaring when one is travelling overseas. Aside from the pocket money, one has to shell out a lot on ticket costs which, even with the introduction of budget airlines, have not really gone lower through the years. Once a traveler has paid for tickets and deposits on accommodation and land transport have been made, there may be sudden interruptions in travel plans.
What if a family member or the traveler himself or herself gets sick, injured or dies? What if the airlines or tour operator suddenly closes shop or has issues with their employees? What if there has been an unexpected conflict in scheduling that would force the traveler to cancel? What if the traveler decides to take the trip some other time? What if the destination suddenly becomes flooded?
The what-if scenarios stated above may be a bit fatalistic, but reality is, these situations happen a lot. What’s worse, any change in a schedule of a trip or a cancellation of it may cause the traveler to lose some, if not all of the money used to pay some expenses related to the trip. Any interruption of a traveler’s schedule can cause him or her more than the original cost of the trip, because last-minute ticket purchases are costlier, not to mention cancellation and exchange fees. However, for travelers, there is travel insurance that is supposed to protect them from the sudden changes of their itinerary, for most, if not all causes.
For coverage that should take care of the traveler from any situation, from cancellation due to medical reasons, the weather and even terrorist attacks, there is comprehensive travel insurance. As its name implies, this kind of insurance covers the policy holders for most travel delay or cancellation issues. Thus, it provides the most comprehensive cover. Backpackers travel insurance is basically comprehensive, as backpackers expose themselves to a lot of risks when travelling. If a backpacker opts to take advantage of an insurance policy, he or she should choose the most comprehensive kind of insurance. More than any kind of traveler, a backpacker is most at-risk when it comes to delays in transportation, sickness, weather disturbances and travelling in places that are not that stable in peace and order.
Backpackers should also anticipate for events that usually happen in lengthy trip delays, which they will mostly encounter when they ride trains or buses. These modes of land transportation are susceptible to breaking down, and usually cause them to miss flights. These delays can cause the backpacker unexpected expenses when it comes to food (until the next flight comes) or housing (unless the backpacker is adamant to spending waiting times in airports or train stations). Those expenses, plus fees in exchanging ticket dates and times should also be included in a trip cancellation insurance coverage. Trip cancellation may be included in comprehensive insurance packages, but there also these specific trip cancellation insurance policies that protect travelers after booking up until the scheduled departure of the trip.