Insurance forum

Backpackers insurance - v - Annual Travel Insurance

  • Rai

    Joined Travelfish
    4th October, 2011
    Posts: 4

    Hello all!

    Could anyone advise me what insurance is "better" - backpackers or annual?
    Im going backpacking to SE Asia (i.e. Laos, Cambodia and Vietnam) for 36 days, and cant make up my mind which one of those 2 to choose.
    Ill definitely be going (if nothing happens during this SE trip :] ) back to SE (but different countries) next summer.
    As much as Ive already searched, backpackers insurance seems to be more expensive (for the period of those 5-6 weeks costs a few £ less). Can anyone suggest which one is better for me, "not that real" type of a backpacker? :) Many thanks for your thought!

    #1 Posted: 4/10/2011 - 02:34

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  • Rai

    Joined Travelfish
    4th October, 2011
    Posts: 4

    Ok, just after posting my post, came across thsi useful link:
    http://www.travellerspoint.com/forum.cfm?thread=71798
    Hope, it will be of a help to somebody, too!

    #2 Posted: 4/10/2011 - 05:10

  • cliona

    Joined Travelfish
    12th October, 2011
    Posts: 9

    As far as I think annual travel insurance is better if you are planning for multiple trips. Because you can have the same coverage for all your trips all year long and annual insurance are comparatively economical.

    #3 Posted: 12/10/2011 - 19:51

  • Saniya

    Joined Travelfish
    12th January, 2012
    Posts: 2

    Annual travel insurance is basically a multi trip insurance policy that covers you through out the year for your multiple trips from your country of residence. It's for people who take multiple holidays in one year.

    Backpacker Travel Insurance is different it usually means you leave the UK and your insurance policy covers you for going between countries and not returning to the UK until the end of the policy.

    So make a decision according to your travel trip.

    #4 Posted: 13/1/2012 - 00:56

  • Danwowski

    Joined Travelfish
    18th November, 2009
    Posts: 14

    Annual cover generally has more restrictions, as Saniya said, and often has restrictions over trip length and activities covered.

    Make sure you read the small print!

    #5 Posted: 13/1/2012 - 06:33

  • helly_smile

    Joined Travelfish
    30th July, 2012
    Location United Kingdom
    Posts: 3

    Hey Rai, could you please tell me which policy did you get that time?:) thank you

    #6 Posted: 31/7/2012 - 05:21

  • Rai

    Joined Travelfish
    4th October, 2011
    Posts: 4

    Hi!
    Due to work commitments, I cannot go on holidays for longer than 40 days, and therefore backpackers was not the most suitable one. I went for an annual multi trip insurance with extended stay cover of 46 days. Hope that will be of a help :)

    #7 Posted: 1/8/2012 - 12:39

  • carolinesar-
    ah

    Joined Travelfish
    11th June, 2012
    Posts: 13

    From what I've read of the policy details of most annual travel insurance is that it is for multiple trips but that each has to be no more than 30 days so if you are staying more than 30 I'd check this out.

    #8 Posted: 2/8/2012 - 19:41

  • Rai

    Joined Travelfish
    4th October, 2011
    Posts: 4

    Thanks! I bought with an extended stay of 45 days. Not sure if I should tell what company that was as would be kinda advertising.

    #9 Posted: 3/8/2012 - 02:32

  • mariajames

    Joined Travelfish
    29th September, 2012
    Posts: 58

    it usually agency you leave the UK and your allowance action covers you for traveling amid countries and not abiding to the UK until the end of the policy.

    #10 Posted: 18/11/2012 - 01:40

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