There’s nothing like the old tradition of graduating high school or college and hitting the road for that unforgettable gap year trek. Free of commitments, responsibilities and parents, exploring exotic, far off places with abandon builds memories that last a lifetime. An easy way to maximize this exhilarating milestone is to protect yourself with backpacker travel insurance.
Blame it on feelings of youthful invincibility, but backpackers tend not to think about gap year travel insurance. Since Canadians are covered for medical costs at home, it’s easy to forget the need for health coverage when travelling abroad. Others may assume that their possessions aren’t valuable enough to protect with insurance. The reality is that all travel involves risk and backpackers have to consider backpacker travel insurance into their trip planning and budgets.
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No, when you go on vacations, it is very important to keep in mind that travel insurance policies do have exclusions for some activities/sports. Always read the policy wordings to make sure that you are aware of the exclusions.
This depends on the coverage that you have. In general, your travel insurance coverage ends as soon as you return to your home province. However; you can purchase a multi-trip annual plan which allows you to travel as many times within the year as long as each trip is not longer than the specified trip length chosen.
In order for your travel insurance to be valid, you must not be travelling against a against physician’s advice. If you have a pre-existing medical condition, that condition can be excluded depending on the nature and stability of it. It is very important to read and understand the policy wordings and exclusions to understand when you are covered and when you are not.
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