Get The Right Cover With Your Backpacker Travel Insurance

Taking a gap year leads to exciting times ahead, some people like to plan and research everything before they go.

When researching all of this, travel insurance will be very low on your list but could be one of the most important things you need to get right for your trip. Why you ask? With insurance companies notorious for trying to get out of paying you what you believe is covered you will be surprised that many things will not actually be covered in a basic policy.

Want to work when you are away, then most companies do not cover for this and if they do it is usually just for office work and everything else will not be covered. Although this is not always the case some will allow manual work but you will be servilely limited on what you can do and it usually always has to be at ground level. A common exclusion when working is personal liability, so if you were to in an extreme case to lose a limb or to die then you will receive no money from the insurance company.

I find that where most people can have most problems is with adventure sports. A lot of companies say that they cover over 50 sports as standard; whilst this is true have a good read as you will soon find that what you want to do might not be covered. A lot of backpackers like to learn how to scuba dive on their trip and this is usually covered with most travel insurance, but if you are thinking about bungee jumping or tubing in Vang Vieng, Laos you might need to upgrade your sports cover.

All travel insurance policies have exclusions that they do not have to pay out on if you are intoxicated or on drugs so be careful when claiming, going back to tubing in Laos you will most likely be drunk and be doing dangerous activities with rope swings into the river.

All travel insurance companies have a Key Facts document which lists all exclusions and their terms and conditions. This document is very important and you must make sure you read this before you purchase your backpacking insurance. You could be in for a surprise with what you see; some companies state that if you travel to Australia you have to register with medi-care when you arrive otherwise you will not be covered for your medical expenses. This is only in the small print of the policy document so most people will not see this and will be in for a big bill and shock when you are told that you are not covered and have to cover the cost yourself.

I hope this document helps you in your preparation for your trip and your purchase of your backpacker travel insurance. Remember cheapest is not always the best when you are travelling the work by yourself in countries where the health care system might not be up to western standards.

Backpacker Careers Australia

If you’re organizing on backpacking to Australia and want to make some income then you have to know where the tops spots are for employment possibilities. As luck would have it most of them are on the coast so you can take pleasure in a fantastic getaway while picking up some money on the side. The trick is to pick the proper period for the work you want to do. You should not have also several problems obtaining function and this report will give you the leap on the finest spots to seem.

Bar function
Australia has A lot of pubs or else identified as Motels so the odds of acquiring a work ‘behind the bar’ pouring beers is instead good. Naturally you have to be a pleasant, straightforward going person in a position to preserve froth to a minimum on a beer pull, but it is a fantastic way to meet locals, pay attention to tales of the neighborhood region and grow to be part of the group./p>

Telemarketing
Can you take care of rejection? Then telemarketing may well be for you. You know what it requires, cold calling folks generally trying to promote them some thing. It is not wonderful and a lot of it is commission centered but if it is some thing nice to offer like in search of donations for charity then this may possibly be Okay. Clearly these careers are in the funds metropolitan areas.

Hospitality
In other words waiting tables. I’ve performed this and the pay out isn’t undesirable. It is generally taking orders, bringing men and women food and clearing tables. If you have unique abilities you may possibly get some chef perform. There are so several types of locations you could get this perform and yet again the money metropolitan areas have the most but the coastal spots like the Gold Coast also have chances..

Resort operate
Most of Australia’s resorts are in Queensland, specially north from about Mackay up to Cairns. And bonus for you we have plenty of island resorts exactly where travelers can perform in the bars, front of workplace and so on. Some resorts even give subsidised accommodation on web site for their workers provided there is not a lot else accommodation dependent on in which you are. I don’t know about you but finding paid to reside and function at a resort in Queensland seems like a very good gig to me.

Hostel function
Generally functioning front of home, booking men and women in, cleaning up doing some admin work and all that, working in a hostel has some excellent benefits. You get to know the best journey bargains quite rapidly and will almost certainly score some discounts provided you function for a huge operation, you meet fellow travelers and swap stories and experiences and you might even get a no cost meal and beers at the Hostel bar, not to mention your accommodation will probably be reduced. Sounds great to me!

Harvest/farm perform
This kind of work is clearly obtainable in regional centres as per below. Most of it is in Queensland on modest crop farms and farmers are always seeking for pickers, but once more you have to get your period proper. You may be transported from your hostel to the farm and back. Be mindful this is challenging function and usually in the hot sun with early commences. But the early finishes mean you have the afternoon to enjoy.

In which to locate the jobs

This is mostly for harvest perform.

Queensland

Atherton
Exactly where: about eighty km south west of Cairns.
What: Tobacco operate, Avocado
When: Tobacco from September to December. The Avocado period is February to June.

Ayr
In which: 1200 km north of Brisbane
What: picking vegetables and melons
When: involving Might and September.

Bowen
Where: about 1200 km north of Brisbane and has perform in between
What: selecting greens and mangoes
When: Might and November selecting veggies and at the stop of the 12 months picking mangoes.

Bundaberg
Exactly where: about 400 km north of Brisbane
What: picking tomatoes and other veggies
When: from July to December

Childers
Exactly where: about 350 km north of Brisbane
What: a lot of veggies choosing e.g. tomatoes
When: April to September is the main time for the tomato crop.

Emerald
In which: about 270km west of Rockhampton
What: cotton, melons, grapes and citrus crops.

Gatton
Exactly where:about a hundred km west of Brisbane
What: Variety of crops
When: All 12 months spherical.

Gympie
In which: Anout an hour north of Sunshine Coast
When: Might till November

Innisfail
Where: about 90km south of Cairns.
What: Bananas, other crops.

Mundubbera
Wherever: about 350 km from Brisbane
What: Harvest function e.g. citrus farms
When: from April till October

Nambour
Where: On the Sunshine Coast about 90 minutes from Brisbane
What: Harvest e.g. strawberries
When: August until November

Stanthorpe
Exactly where: about 200 km south west of Brisbane
What: Harvest e.g. apples, strawberries
When: January to April

New South Wales

Batlow
Exactly where: About 450km south west of Sydney
What: pruning apples and pears
When: from December to May possibly.

Bourke
Exactly where: Outback New South Wales
What: Cotton, stone fruit
When: April to May, November to December

Cessnock
Wherever: Hunter Valley about two hours from Sydney
What: Harvest function e.g. grapes
When: January

Coffs Harbour
Exactly where: About four hours south of Brisbane
What: Blueberry finding

Cowra
Where: about 300 km west of Sydney
What: grape harvesting
When: February to April.

Forbes
Wherever: A few hours west of Sydney
What: Apples and pear picking
When: November to March

Griffith
Wherever: South West New South Wales
What: Grapes, onions,citrus
When: All year spherical

Leeton
Exactly where: Near Griffith
What: Array of harvest perform
When: February to March

Narrabri
Exactly where: About 600km north west of Sydney
What: Cotton, a lot of it

Narromine
Exactly where: About 400km west of Sydney
What: Citrus
When: May possibly right up until December

Orange
In which: About 250km west of Sydney
What: Apples and cherries

Younger
Where: About 2 hours drive from Canberra
What: Cherries and stone fruit
When: October right up until December and also from February
accommodation Cowra

Generally All That Is Required For Backpacker Travel Insurance Is A Basic Policy

While many backpackers have a relaxed attitude about travel insurance those that take the time to put a basic backpacker travel insurance policy in place can make their journey without the risk of high medical costs ruining a great holiday.

As a general rule backpackers are single, young and not keen to pay high insurance premiums for benefits they do not consider relevant to their circumstances. The reality is that backpackers have few concerns about traveling other than falling ill or meeting with an accident that leaves them hospitalized for a lengthy period of time and incurring huge medical bills as a consequence. As a result they are generally not seeking disability or death cover but rather unlimited overseas emergency medical assistance and hospital expenses. They may also want backpacker travel insurance to cover off a nominal amount for the loss and replacement of credit cards or travel documents and stolen luggage or personal effects.

Purchasing backpacker travel insurance online is often much cheaper than the travel insurance that may be offered by a travel agent. In Australia there is quite a lot of competition for online insurance and basic backpacker traveler insurance that provides adequate cover for young travelers is readily available at a cost that is within their budget.

Whether you are looking for backpacking travel insurance that covers you for emergency hospitalization and the medical bills that you might incur when you are traveling either internationally or backpacking locally around Australia, there is basic backpacker travel insurance available online at a very low cost. Cheap backpacker travel insurance does not have to mean compromised cover, it simply means that you are not paying for cover you deem unnecessary luggage delay for example will generally be of little concern to a backpacker taking his or her time traveling the world – an extra day waiting for bags is of little consequence.

The beauty of travel insurance for backpackers is that it is designed with backpackers in mind: policies for single trip, multi-trip, or even annual trip travel insurance are also available but there will be a premium for this. There are insurance plans and policies to cover hitchhiking, trekking, road trips, boat trips whatever traveling you have in mind on your backpacking holiday. If you are planning more dangerous activities such as skiing then you can cover for accidents but again this will obviously increase your backpacker travel insurance premiums.

When you purchase a basic backpacker travel insurance plan you are not buying hidden extras which simply wont apply to you, you are not paying for add-ons that are more likely to suit some high flying tourist slipping on a spilt martini along glass tiles of the roof top pool of some ritzy five star hotel. No, with backpacker travel insurance the policy is tailor made for the type of risks and dangers a traveling backpacker is far more likely to encounter. A basic backpacker travel insurance policy will cover emergency hospitalization, hospital and medical bills along with up to say $2000 cover for loss of credit cards, stolen travel documents or lost luggage.

Go For A Company That Specialise In Backpacker Insurance

Though many companies advertise backpacker insurance, if you go with a company that specialises in insurance for backpackers you’ll have more chance of getting cover for the things that matter to you.

Backpacker’s travel insurance is sometimes regarded as being the cheapest insurance around even by backpackers who are only interested in a cheap price rather than getting what’s best for them. Even if you’re traveling direct to the UK you can bet you’re not going to just sit in your hostel once you arrive, so put a bit of thought into your travel insurance.

There are certain givens you want as standard in your policy:

Unlimited overseas hospital, medical and emergency evacuation. Also, not all insurance companies cover you for emergency dental to get you over the worst unless you pay an extra premium, so look out for companies that include emergency dental as standard.

24/7 contact for emergencies. Travel insurance companies invariably farm the emergency evac portion out to the experts because it’s a specialised field. You don’t want just anybody, only the best, so find out the details.

Reverse charge to Australia for all general insurance and claims from anywhere in the world.

Other areas you should seriously consider including are:

Trip Resumption. It’s a slightly misleading term that refers to paying your expenses if you need to return home for an emergency and then paying your fare back to where you broke your journey. Good stuff for anyone who’s going to be gone long term, and that’s most backpackers.

Trip Delay. Because trekkers are often on the move, and don’t necessarily travel when the weather’s fine and warm, this could be another must have. It may depend more on where you’re travelling and what time of year i.e. during winter to cities that periodically get snowed in, though with the way air travel can be this could be for anyone.

iTrek travel insurers say they pay up to $200 per day if you’re bogged down and can’t get out, which could mean the difference between sleeping out flat in a hotel room or cramped up on an airport lounge.

Excess Eliminator. Insurance companies wack an excess on a number of claim areas, such as theft of cash. Check if the company you’re comparing allows you to pay what’s termed an Excess Eliminator. It’s usually just a small fee.

Backpacker insurance is specialised so make sure you go with a company that knows how you tick.

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