Backpacker Travel Insurance
Planning and preparing for your upcoming backpacking trip can be a difficult task. You are undoubtedly excited for what is ahead of you, and you are going to have a lot on your mind. As you focus on stuffing enough clothing and gear into a tiny backpack, the other little details of your trip can be forgotten or just completely overlooked. Those details, like purchasing backpacker’s travel insurance, are extremely important and can help with your safety while you are backpacking.
Before you leave home, you need to know that your domestic medical insurance most likely will not keep you covered on your backpacking adventure. When you travel abroad for any reason, you never really know what is going to happen. Having travel insurance for backpackers can really make a difference while you are out there exploring and having an adventure. Injuries and illness can happen anytime, and maybe even more frequently when you are having an adventure like backpacking, so you want to be as prepared as possible.
What to Look For in Backpacker’s Travel Insurance
Many insurance companies choose to charge up to 20% more for coverage of adventure activities and sports like hiking and backpacking. So, keep this in mind when you are looking for an insurance plan that will keep you insured during your backpacking trip. Having backpacking travel insurance should not be something you have to pay extra for, so as you are searching for your backpacker travel insurance needs, look for plans that cover things like:
- Free Hiking
- Nordic Walking
- Ultralight Backpacking
Finding the right insurance plan is all about finding a plan that satisfies your coverage needs and your budgetary restrictions. As you start looking through different insurance plans from various companies, you are going to start seeing how they cover you for certain things and charge you extra for other things. These insurance companies will most likely offer a rider for your trip, which means that because you are taking a backpacking trip you need to pay extra. Instead, you really want to find an insurance plan that automatically includes backpacking and provides you with all of the coverage you are going to need.
Compare Backpacker Travel Insurance
|Covered Benefits||Atlas International®||Our Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions||Partially: Up to $100,000 lifetime maximum for the eligible medical expense for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2,500.|
|100% coverage for accidents and injuries outside the U.S.||Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% coverage for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities,. See the Description of Coverage for for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, $500,000 in cover regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|Complete online enrollment capabilities & immediate fulfillment||Yes: Selecting 'Yes' to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved||Varies.|
|Crisis response||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability||Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.||No. Competitor travel medical plans do not include a personal liability benefit.|
Atlas Travel® from HCCMIS
As you begin preparing for your trip and start thinking about insurance, you are going to want to find coverage that provides you with the best benefits and coverage. Atlas Travel insurance from HCC Medical Insurance Services (HCCMIS) provides you with coverage that you can really count on as you travel and backpack. When you go on a backpacking trip, you want to make sure that you have coverage for anything that could happen, and Atlas Insurance goes out of their way to provide you with substantial coverage and peace of mind.
Backpacker Friendly Benefits in Atlas Travel Insurance
- Guaranteed Issuance : Some medical companies will require you to have medical exams, provide medical reports, and answer health questions. At HCCMIS, we guarantee issue for individuals who apply for coverage.
- Coinsurance Outside the U.S. : After the deductible, you will have 100% coinsurance for all eligible medical conditions.
- Emergency Evacuation : Because you are going to be backpacking in a foreign country, you never really know what will happen, which is why we provide evacuation by air or ground from any location to the closest medical facility.
- Political Evacuation : The U.S. government occasionally issues travel warnings based on political issues and threat levels. When this happens, we will help you find evacuation to a safe country or even back to your home.
- Hospital and Doctor Visits : With an Atlas Travel plan, we cover 100% of eligible injuries and illnesses that are treated in a hospital or a doctor’s office.
- Pre-Existing Conditions : Pre-existing conditions sometimes creep up on us, or we can just wake up one day and they have returned. If this happens to you, then you can seek medical treatment knowing that your insurance, if you have an Atlas Travel plan, will keep you covered.
- Repatriation of Remains : If for some unforeseen reason you should pass away while on your trip, your remains will be transported back to your home country.
For those of you traveling with a group, you might be interested in Atlas Group, which provides Atlas Travel insurance for groups of five or more with a 10% discount!
Backpacking Travel Insurance Terms You Need to Know
Finding the right insurance plan for your upcoming trip can be extremely difficult and time consuming.
However, a way to make the process easier is to know and understand what you are reading. As difficult as finding the right policy for you can be, it can be made even more difficult if you do not understand the jargon you are reading or what kind of plan you are looking for. Here are some common terms that you need to understand to better find the right plan for you.
• Coinsurance : In simple terms, coinsurance is the percentage that the insurance company will pay after you have paid your deductible. You want to find a plan that has a low coinsurance so that your out-of-pocket expenses are low.
• Deductible : A deductible, as mentioned above, is the amount that you have to pay before your insurance actually starts paying. You want to find a policy or plan that offers you the lowest deductible possible. However, do not make to big of a compromise. A very low deductible can mean you sacrifice important coverage.
• Rider : Riders are optional coverage plans that you can add to your policy for an additional price. The more common riders are for sports and dental coverage. Before you choose an insurance plan, you need to think about what you are going to be doing on your trip and how long you are going to be gone. These factors will influence the type of policy you ultimately choose.
• Pre-Existing : A pre-existing condition is any condition that you have had prior to signing your policy. In many cases, you will want to disclose any pre-existing conditions to your insurance company. Otherwise, they may not be covered in your policy.
• Acute : Often, you will see the phrase “acute onset,” which simply means that something has happened suddenly or rapidly. It is a good idea to find an insurance policy that covers any acute onset conditions. Atlas International insurance provides coverage for the acute onset of pre-existing conditions.
• Maximum :Maximum could potentially refer to a few things, but for insurance purposes it is best to just think of a maximum as the highest amount for which you have coverage. In some cases, you may want a high maximum because it directly refers to the amount of coverage. However, you need to keep in mind that, typically speaking, the higher the maximum the more the policy will cost.
• Copayment : A copayment is the fixed amount of money that you will have to pay in order to receive a procedure. After you have paid the copayment, the next thing you should look at is the coinsurance amount to determine your out of pocket costs. As you are looking for an insurance plan, you will want to find one with a low copayment.
You may be tempted to put certain things off, and you may forget about the little details. While it is understandable because you are so excited, it can actually be extremely serious. Having backpacker travel insurance can keep you from having to pay incredibly high medical bills out of pocket. Even if you are traveling to a country that has socialized medical care, you can still be turned away as a foreigner without insurance. It is important that you purchase a backpacker’s travel insurance plan like Atlas International insurance in order to stay covered while you embark on your adventure.