Backpackers usually travel on a budget. But just like the average traveler, they are at a risk of injuries or accidents when abroad. Sometimes they're even at a greater risk because they go from one country to another.

Whether they're scuba diving in Cairns or trekking the slopes of Thailand, a traveler must have backpackers travel insurance. They tend to explore off the beaten tracks and if that is the case, then there is a higher possibility of them getting involved in robberies.

They are also prone to illnesses because they travel overnight or sleep in hostels or dorm rooms.

A practical traveler ensures that he is in good hands by purchasing backpackers travel insurance. He gets one before he leaves. Backpackers travel insurance is specifically designed to meet the needs of a traveler.

These plans offer high levels of coverage for long periods of travel. A traveler can get the backpackers travel insurance from one week to two years.

One must also remember that just because it's called backpackers travel insurance, it does not mean that they will be roughing it.

Backpackers travel insurance serves as a cheaper and effective alternative to single trip travel insurance plans. In fact, some plans cover extras like sports and ski protection.

They might need this along the way because no one knows what may happen while they are traveling. When looking for backpackers travel insurance, there are the standards that the traveler must look out for.

Here are some features that must be included in the backpackers travel insurance. First of all, it must have the Emergency Medical Cover. This covers the cost of any event that needs urgent medical attention.

It must also have Rescue and Repatriation. This is the insurance that the costs will be paid by the insurance provider. Since rescue comes with the package, this includes helicopter rescue as well.

Other features are Personal Liability. This means that the insurance provider is legally responsible to cover any injury, accident, or harm that might be inflicted on the traveler. Then there's Holiday Cancellation.

This is the need to make the trip short, just in case something comes up. The individual will then be compensated for the amount that was lost.

Also included in the insurance is the Baggage and Possessions Cover. Just in case the possessions of the traveler have been stolen or lost, then the insurance provider will cover the administrative costs that were incurred.

This includes paying for replacing the passport that has been stolen.

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Research the high street travel shops and those on-line for both last minute deals and early booking special offers. Both can be good value for money.

A last minute deal may need you to be flexible regarding the exact destination, accommodation and time. You may have to be able to travel at quite short notice.

On the other hand booking a vacation early, perhaps for the next year, can also be good value. Early booking deals often give two weeks for the price of one or other incentives. Knowing that you have a vacation booked for as much as 12 months in advance will give you time to save enough money also.

Alternatively look at budget priced vacations such as staying in a caravan, on a campsite, or travelling by public transport. Now that you have an idea of the possible total cost of your vacation, start to work out a budget.

There are many ways to save such as:-

Look for part-time work on-line such as completing surveys or writing product reviews. Such activities can increase the amount of money that you have to play around with.

Economise on energy bills around the home. This will help the environment as well as saving you money. Make sure that thermostats are turned down a notch, you only use the economical cycles on dishwashers and washing machine, you avoid using the tumble drier at all costs, you wash the dishes by hand a few times a week instead of using the dishwasher, you only use such washing machines when you have a full load, lights are turned off in unoccupied rooms, you switch to energy saving light bulbs and no appliances are ever left in stand by mode. This list is not exhaustive and needs tailoring to fit your household. Make sure that all the household members are on board and you should save a heap of cash.

Cut back on treats such as take-aways, fast food, candy and dining out. We all want to be trim and in shape on our vacations and this may help.

Minimise the use of your vehicle or vehicles from home. Perhaps you could car share with a colleague or a family member. Walk occasionally rather than using the car and take public transport when you can.

Utilise money saving coupons, many of which can be found on-line. Remember though that, if you would not have bought the item normally, it may not really be a bargain.

Bulk buy items such as breakfast cereal, washing powder, toilet rolls, dog food, cleaning agents and the like. Make sure there are no expiry dates, which are near. If the goods are out of date before you can use them, they will be a waste of money.

Take packed lunches to work or make for the children to take to school.

Quit smoking. This will save you a huge amount of money and be good for your health.

Work out weekly meal plans in order to shop wisely and cheaply. Never compromise on healthy eating but make sensible choices.

Opt for store brand goods instead of more expensive named brands. Often these are all very much the same in reality, except store brands are cheaper.

Start a loose change jar at home and encourage the whole family to add to this jar.

If you are travelling abroad, buy some of the local currency throughout the year, as and when the exchange rates are good.

Avoid the Sales unless you need something. Sales encourage unnecessary spending.

If you need, or want, to buy travel insurance, shop around for the best deal. Make sure that you have the cover you may need though.

Make sure that you pay any deposits and balances on your vacation on or before the date due, to make sure that you do not have to pay any penalties.

The above are just a few of the many ways that you can budget in order to save money for a vacation. Set regular dates to bank any money that you have saved. Aim to save this money in a high interest savings account that has unlimited access.

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Is travel insurance a rip-off? That is a simple question with a complicated answer. To properly understand this issue, you should first understand what travel insurance is. The definition of it is fairly straightforward -it's short term insurance that covers you while you are on vacation. Travel insurance coverage depends on the parameters of the policy, but in general it extends to lost or broken luggage, thefts that happen during your vacation, medical needs that might arise during your vacation and lost personal items.

There have been many documented occasions of travel insurers being downright fraudulent. The internet is rife with examples. Many people have complained about this that travel agencies or airlines recommend for them being absurdly expensive, difficult or impossible to use, or even non-existent. In some cases, class-action lawsuits have been filed and have been paid to fraud victims. Many people have claimed that exploitative travel agents offered them vacation packages at seemingly steep discounts, only to force them to purchase overpriced travel insurance packages.

That said, not all travel insurers are bad, and buying travel insurance is not always a bad idea. There are many reputable, well-organized, established travel insurers out there. The best thing you can do if you are considering this is do your homework. Compare different travel insurers' rates and coverage packages. Read the fine print. Check consumer reports and fraud awareness websites.

Here is a brief list of circumstances in which you might find yourself where traveler's insurance can be a big help. If you suspect you might run into one or more of these problems during your trip, then traveler's insurance is probably a good idea.

Your flight is cancelled. If you are flying during a very high-volume holiday season and the weather is predicted to be particularly bad, traveler's insurance might come in handy.

Your bags are lost and you have prescription medication. You need to have an emergency prescription filled. If you have critical medical needs, then traveler's insurance is absolutely a good idea. You will want to be sure and have a quality, proven insurer with strong medical coverage. Regardless, you will want to put any prescription medications in your carry-on in case your luggage is lost.

Your passport and wallet are stolen and you need emergency cash and a new passport. It isn't easy to predict a theft, but if you are traveling to an area where you are at greater risk of having your wallet stolen, insurance is a good idea.

A hurricane forces you to evacuate your hotel, resort or cruise. Certain areas of the world are more susceptible to hurricanes, especially during a few months of the year. If you are traveling to one of these volatile locations during hurricane season, insurance could bail you out if a storm comes.

A terrorist incident occurs in the city you're planning to visit and you want to cancel your trip. Terrorism is a horrific, tremendously unfortunate reality in today's complicated world. It's horrible to think about, but if you are traveling in a particularly volatile part of the world, travel insurance might ease your mind.

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You need travel insurance, whenever you set out on a trip. There are some substantial reasons why someone needs this insurance. This insurance covers your financial losses or any illness during the trip. It also compensates for any other problems you might face such as due to unexpected events like flight cancellation or delay. You can avail to this insurance while on either national or international travel.

So any unfortunate event while traveling can be covered with insurance, giving you the assurance that you do not have to suffer monetary losses, not to speak of the convenience you are afforded with insurance. In fact, traveling without travel insurance is a rather risky thing to do. It is like going to Brazil without an umbrella. Life is rather too precious and needs to be protected as you step out of the safety of your home and move around, meeting new circumstances.

Travel insurance can cover all of your major concerns such as medical cost, transportation to a medical facility. This is important because often you may be stranded in a place and may need to be quickly moved to a place where medical facilities are available. Sometimes, if the illness is serious, your insurance can also cover the costs of getting you back home.

Another good thing is that this insurance can also fully or partially cover you for any irritating events such as flight delay that upsets your plans such as canceling your booking at a resort. Your insurance also covers loss, theft or damage to your baggage or documents.

You can often buy travel insurance starting from as little as two weeks up to a year. These days, there are efficient travel insurance services available on the internet as well. The advantage here is that the process is simpler and quicker. The cost of your travel insurance also depends on the total expenditure on your travel. So get this insurance and do not let any problem on the way spoil your trip.

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You have decided that you are going to purchase a travel insurance policy online for your next holiday. Congratulations! You have joined the league of smart travellers with your decision. Buying travel insurance is the best way for you to protect the monetary value as well as the time element you will invest on this holiday.

The time you spend online reading and comparing travel insurance policies in order to decide which one is right for you is truly time well spent. No two insurance policies are the same, and the type you choose can vary, depending on what you are planning to do on your holiday.

Do you travel several times over the course of a year, on business as well as on holiday? You would want to look online for a multi-trip travel insurance policy. This type of insurance would protect you for 12 months, no matter how many trips you took. Multi-trip insurance will save you money compared to the cost of taking out a separate policy every time you travel. Perhaps you only travel once a year. In that case, a standard travel policy would serve you well.

Let's say you are planning a wonderful skiing holiday. While you are comparing policies online, you'll want to look at insurance companies that are able to offer coverage for expenses that are related to snow skiing. Just in case you have an accident on the slopes, you will want to make sure your travel insurance policy has medical coverage for skiers. A big medical bill after taking a tumble could very well spoil your entire holiday! Of course, you also will want coverage in case something unforeseen happens and your trip is cancelled or you crash into someone on the slopes and they decide to sue you. Hopefully, you will not have to make a claim for any of these reasons, but it will be a comfort knowing that you are protected.

When going on holiday with your family, it's a good idea to plan ahead, and a good travel insurance policy can help you to do just that. What if your trip is interrupted because your flight was cancelled, and the next flight to your destination isn't until the next day? You and your partner and children will need to have a hotel room for the night as well as a taxi to reach that hotel. Choose a travel insurance policy that will cover a reimbursement of the amount you had to spend for these items.

Once you have determined the type of travel insurance policy that would best suit your needs, it's time to start looking around online. On most travel insurance sites, you will simply fill out a form with some information such as how many people are travelling, their ages, the dates of travel, travel destination, and the length of your trip. This information is needed to give you an instant travel insurance quote on a policy.

Don't make the mistake of allowing price to be your guide when doing your policy comparisons. Cheaper isn't always better! You want insurance that will protect you and give you peace of mind, not a cheap policy that you have a world of trouble out of when attempting to file a claim.

Make sure to read the fine print in the Product Disclosure Statement for any travel insurance policy you are thinking about purchasing. You need to understand exactly what is and what isn't covered. Taking the time to read the details can make comparing travel insurance policies online much easier for you, and you won't have any unpleasant surprises in case you do need to make a claim.

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If you are an occasional traveler you'll probably buy your insurance from the travel agent. But if you travel more than twice a year, it is much more cost effective to have one insurance lasting all year round, than buying one every time you travel.

Think ahead, plan ahead. Annual travel insurance easily pays for itself with just a couple of trips. But not all insurances are worth the same and as always cheapest is not necessarily the best. More on this later.

Annual travel insurance is not compulsory but it gives you the peace of mind case of illness and loss or damage to property and many other events. Where is the best place to buy annual travel insurance?

1. Your bank is probably the first place you'll try. Banks have in recent times become highly competitive and in order to retain your business, may offer better rates. For example my bank has upgraded my checking account to a premium account and for that I pay $20 per month.

As a result I get several privileges including free, worldwide, comprehensive travel insurance. But here is the best part ... I get all this free travel insurance not just for myself but also for any member of my family traveling with me including my parents and siblings.

I said free because I am already getting other benefits which are worth a lot more than $20 per month if I were to buy them individually. I also save a lot of time as I never have to look around for insurance. So don't ignore your bank.

2. Credit card companies also offer similar insurances, with some added advantages. In case of theft or loss of your credit card, they will supply you with an emergency one, often within a few hours.

In addition to travel insurance offers, there is another advantage in checking your credit card company's terms. If you book your travel using your credit card, pretty much all card companies give excellent cover against many of the things that can go wrong.

Some credit card companies also have specialist travel departments which not only give you travel discounts but also give you even better protection, i.e. better travel insurance and at a much lower cost. But note that all insurance offers exclude you making a claims, for the same item, to multiple sources even if you do have multiple insurance cover.

For example, let's say you have bought travel insurance separately and you have bought your travel ticket using your credit card. If your luggage is lost, you can almost certainly make a claim to either of the two sources but not to both at the same time.

The reason is that the insurance companies have suffered massive fraud in recent years. Allowing multiple claims simply encourages fraudsters to have multiple insurances and make multiple false claims.

For example, they can take an already damaged suitcase on a long journey knowing that it will fall apart. They can then claim damage and loss of property from multiple insurers.

3. Insurance companies are a popular and obvious source for annual travel insurance. If you drive a car or have home insurance get a quote from your insurance company. Remember, because you are already a customer, your car insurance often entitles you to a very good discount.

Here's a tip: if they don't give you a competitive insurance, tell them that you will be looking else where for a good package. Let them know you will be looking for a package that includes great home insurance, excellent travel insurance and also good car insurance.

Listen, fear of loss WILL make them bend over backwards for you and if they don't? Here's another tip: When you talk to any other source to get your competitive travel insurance, make sure you mention your other assets that you could be insuring with them, such as your car, home, home contents, etc.

This won't work with travel companies but works absolutely beautifully with most insurance companies. I have done it many times and saved myself thousands of dollars, yes thousands, over the last few years.

The insurance industry is massively competitive. For once, this works in favor of the "little guy" (you and me), so let's use it.

4. Certain types of home insurance may also give annual travel cover. Do look into pretty much any insurance cover you have. Some home insurance policies include some forms of travel cover including loss or damage to your property while away from home.

Tip: even if you live with your parents, ask them to check their policy for you. You will be amazed to see that even "your" property is covered while away from home.

Just one word of caution: do not assume what is covered or the level cover. If you are not sure just ask the insurer. If the cover they describe seems even better than what you expected based on the policy document, then do ask them to put their clarification in writing.

Why? When any major loss occurs, the insurer will send a local expert to assess the damage. These guys are called loss adjustors. Their job is to save money for the insurance company. And I tell you from bitter personal experience, they take no prisoners.

They will screw you down to the ground, if you don't get things in clear black and white writing. Just do it. It takes minutes to request clarification in writing but can save you thousands of dollars when you have one of these mean loss adjustors arguing with you over the policy.

5. You can also buy last minute travel insurance from travel agents and airlines at the airport. Expect to be taken advantage of, heavily! Needless to say, this is one of your most expensive options. Just avoid ending up with this option, see to your insurance long before you need to travel.

Now here's the thing. Travel insurance policies are not all identical. As well as considering price, you absolutely must read the terms and conditions carefully. For example, the upper age limit of some insurance companies may vary.

Some companies may limit the number of annual trips, whilst others may have no limit at all. Look, most travel insurance policies cover a range of events and claims. But as they say, the devil is in the detail.

The problem you will definitely face with some really cheap policies from unknown and possibly disreputable companies is what they put in the fine print. You know what I'm talking about? ... all those tiny little statements they put on the back of the form? Or if you are buying insurance online (and you should), notice all those pages of really small text they ask you to agree to?

Well, that's where they bury lots of little conditions and limitations. Most people don't read all the terms. Do yourself a huge favor and on this occasion, do read it all. If the insurance policy terms are full of "weasel words" or complex language, just move on and do not buy.

All insurance companies are quick to point out how many millions you can claim in "total", in case of a serious accident. But they all limit the amount per item within your claim. So claims for loss of cash will be capped and so will claims for electronic devices, clothes, etc.

This means that with the cheaper policies you will have a really low limit. For example, if you claim for a mobile phone and an MP3 player, you may find that the limit on personal electronics is not enough to even pay for "one" of those devices, let alone both. Don't wait for an unfortunate event to show you the flaws in a dirt cheap policy. That is the worst time to find out and it is a time when you need the most help.

What must all policies cover?

1. Loss or damage to property and cash

2. Flight delays or cancellation

3. Accidents

4. Sickness

5. Your expenses when an event ocurs

6. Your potential liability to other people

7. Legal services

In comparison to your total costs, annual travel insurance is only a very small item. If you are covered for any eventuality, you'll have less to worry about, which will translate to more relaxation and enjoyment.

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If you are globe trotting, it is crucially important that you are insured with a insurance. You never know when you will need some health care in a distant land or experience the hassles of losing your baggage or face any inconveniences related to travel. It is good to stay safe by staying prepared for unexpected situations. Hospitalization in a foreign country may prove very expensive; your one time premium for your health insurance will take care of all the expenses if any.

Travel insurance can be either for domestic or overseas travel. You can opt for single trip or multi trip policies according to the frequency of your trips. If you are a frequent traveler, you should go for for the annual plan. You will certainly want to spend as little as possible but at the same time ensure that the same covers the benefits you want. With the Internet serving as a platform for insurance providers and insurance buyers alike, you can buy cheap insurance online. Whether it is medical coverage, flight cancellation, accident cover, lost baggage, flight delay or personal liability, you will want all to be enclosed. Only a comparison of the various policies offered by different companies will enable you to select the right policy.

To buy travel insurance that is the best and cheap, all you need to do is a little research on the policies offered. It may prove time-consuming for you to visit each insurance company site, get quotes and then visit another, a third one, a fourth to find out what the various policies have on offer. Now you will wish if there had been a platform that has a list of all major insurance companies, a platform where you can get a quick comparison done for all policies, get quotes, and in no time buy insurance online at the same platform using a credit/debit card.

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