Travel Insurance For Backpackers And Hikers

If you have a tour in your mind and you want to travel the free way, a good backpacker travel insurance policy is a thing you must consider before tour. Backpacking trips are bit riskier than regular planned travels. So in such case good backpacker travel insurance becomes a mandatory criterion for a hassle free tour.

Most of the insurers don’t know all the benefits of insurance as they are unaware but these insurance policies help a traveler in many ways.

A Backpacker insurance policy is basically for those who are low on budget. You don’t have to pay high for regular insurance policy but you will surely get the essential coverage with backpackers travel insurance policy. It covers you and your luggage at very less cost, as this type of insurance is designed for backpackers who are known for their low budgeted and unplanned travel schedules.

Before going through you must know backpacker insurance policy and its features.

Features provided by backpacker travel insurance

There are some important features and coverage that backpacker travel insurance policy can provide, these are as follows;

  • In case if you have to extend you trip due to any unexpected reason, backpacker insurance covers it too.
  • You get all covers round the clock all the year no matter what time or circumstances are there.
  • If you get sick during you trip, all the medical expenses will be covered by backpacker insurance providers. Most of the time such insurance policies also covers personal incidents that occur during travel (please confirm this before buying insurance policy from you insurance provider).
  • Many travel insurance firms provide option to opt out which they don’t want to be covered and ask for the things which they want to be covered. This flexibility is an added advantage for insurers.
  • Many travel insurance firms provide the option to the insurer that what they really want to be covered in their policy. This flexibility is an added advantage for insurers.
  • Many backpacker tours for winter sports, some travel for scuba diving. Such adventurous sports have high risks involved which can lead you to physical damages. Covers for such sports are also available as an optional measure. You can add such sports covers in your existing insurance for added safety.
  • You can extend you insurance any time with a single click sitting at your home in front of your computer.
  • Make sure that insurance policy covers the location in which you are planning to travel. Some travel insurance companies provide insurance policies only for a certain country.

Now the biggest which every travelers generally asks is “Do I really need a backpacker insurance policy? And is it really worth it? “

Backpacker travel insurance is surely recommended for you if you fell into any of these categories

  • You travel alone at places which are expected.
  • Your travel schedule is unexpected and never planned.
  • You have medical history or you are above 50 years of age.

Backpacking is surely an adventurous trip but it has its own risks too. Backpackers are very prone to injuries, robbery and related issues. There are some possible issues in which backpackers can easily get coverage. These are as follows:

Tour cancellation – Trips are cancelled many times due to many issues. Sometimes due to bad weather and sometimes due to some personal reason, one has to cancel his/her trip.

Emergency medical care – backpackers are very much prone to issue like food poisoning, diarrhea and other infections. Such diseases can lead to serious health issues which can be covered by purchasing insurance.

Accidents – accidents are common and can be occur at any time. Insurance not only covers for your injury but also the person affected by your mistake.

Theft or robbery – backpacker usually travel alone. They also stay at budget hotels. All this makes them prone to things like baggage theft and robbery.

Considering the current global scenario which is quite unsafe, having proper backpacker travel insurance is very necessary.

A backpacker insurance policy can be a great help for every traveler who wants to travel the free way. So what are you waiting for? Get a backpacker travel insurance for yourself and roam free

How U.S. Businesses Are Cutting Travel Costs

U.S. business travel will grow by almost 4 percent annually through 2016, according to The Global Business Travel Association (GBTA) Foundation’s 4th annual business travel report, entitled “GBTA BTI™ Outlook – Annual Global Report and Forecast, Prospects for Global Business Travel 2012-2016.”

But with travel costs almost back to pre-recession prices, companies are focusing on cutting costs and controlling spending. The way in which companies are cutting travel costs was addressed in another GBTA Foundation study.

The study sponsored by Concur, a leading provider of integrated travel and expense management services, surveyed 1788 travelers in the U.S., Canada, Australia and India. The results of the survey published in May showed:

  • More than one third of travelers surveyed said that fewer colleagues are allowed to travel to meetings than a year ago.
  • About a quarter of those surveyed said more of their business trips have spending limits than a year ago.
  • More than 40 percent surveyed said their business-travel expenses are scrutinized more closely.
  • About one fifth surveyed operate under mandated travel programs, which require them to use company-approved airlines, hotels and car rental companies.
  • Roughly one third work for a company that has no preferred travel vendors, while almost half fall in between – their employer encourages them to use specific airlines, hotels and car rental companies, but do not require it.
  • Companies are also reducing travel costs with the use of videoconferencing equipment, reserving rooms at less expensive hotels and reducing the number of employees sent to meetings.Â
  • To keep a closer eye on spending, some companies have created individual profiles in their online booking systems.
  • Many companies negotiate discounted rates for airline tickets, hotel rooms and rental cars through a corporate travel agency or directly with travel companies by promising them a certain amount of business.

Aviation Industry Take Note

According to Michael W. McCormick, GBTA executive director and COO, the purpose of the GBTA Study 2012 is to understand the individual needs of business travelers to help companies keep travelers productive and motivated. The GBTA hopes that the study will be used by the travel industry and guide marketing strategies and new product development to meet the needs of road warriors.

Aviation companies, including FBOs, pilots and aircraft manufacturers should take note, and consider adapting their marketing tactics to appeal to the new way that corporations are handling their business travel. For example, becoming a preferred travel vendor on corporate lists.

Choosing a Travel Clinic for Your Travel Health Needs

Whether for business or pleasure, travelers planning a trip outside the country should remember to set aside some time in during their plan-making to address important health and safety precautions. In fact, studies show that almost half of travelers from a developed country visiting a developing country get sick when they stay for a month or more. The guidelines and regulations for necessary vaccinations and medications vary greatly from one destination to another, and failure to receive the right immunizations could be life-threatening. To ensure the highest degree of accuracy and safety, the Center for Disease Control recommends seeing a physician who specializes in travel medicine. Usually this means a visit to a travel clinic.

So first things first; what is a travel clinic? It is a medical facility that focuses specifically on the preventative care of those planning to travel internationally. At a travel clinic, patients can meet with doctors who specialize in emporiatrics, or travel medicine, and deal exclusively with travel-related health issues on a daily basis. Patients generally visit a travel clinic for a consultation and vaccination, and then again after their return for a wellness checkup.

Some people might be curious as to why visiting a travel clinic would be any better than visiting their family doctor. The simplest answer is that while family doctors are trained to deal with a large range of health concerns, travel health providers focus only on emporiatrics. This means that travel medicine physicians put more time and effort into having the up-to-date information about location-specific travel health issues that you need, and since the focus of travel health is in large part on educating the traveler about disease prevention, the more knowledgeable your physician is the more you’ll learn. Additionally, travel clinics have all the vaccinations you need in stock, whereas family physicians may not always have vaccines against rarer diseases like yellow fever or typhoid on hand. Travel clinics can also provide you with the yellow fever certificate necessary for entry into certain countries requiring proof of immunization. Travel clinics’ rates are usually competitive with those of regular physicians, and most offer evening and weekend hours and even same-day or walk-in appointments to accommodate travelers’ busy schedules; such flexibility is not often a practice of regular physicians.

When you visit a travel clinic, the consultation is very important. This is the time when you can ask the doctor questions and he or she will provide destination-specific information about the necessary precautions for you to take. Some good areas of focus for your consult are appropriate vaccinations and what some travel health specialists refer to as the “six Is”: ingestions (such as food and water safety), insects, immersions (waterborne illnesses contracted through swimming) injuries, indiscretions (sexually transmitted diseases), and insurance. It is essential that you share your specific travel itinerary with your travel health provider, in order that he or she can give you the most accurate information possible about vaccines and whether antimalarial drugs will be necessary. Activity plans should also be noted, as the CDC recommends rabies vaccines in many countries for travelers who plan to spend a lot of time outdoors or participate in camping, hiking or cycling. Altitude sickness prevention and water purification plans might also be necessary, depending on your destination.