How to Compare Regular and Backpacker Travel Insurance Policies

13 Oct 2015 by Olga Brighton

Travel Insurance Tips

Searching for the best travel insurance can be quite challenging with so many options out there. Even if you’ve already chosen an insurance company you can trust, you may find it hard to choose between the pros and cons of all the options. Single Trip and Backpacker travel insurance are two of the most popular choices with similar coverage features in the same price bracket. As travellers often have trouble choosing between these two policies, we decided to compare Backpacker travel insurance and Single Trip.

Globelink offers several Singe Trip travel insurance options and two Backpacker travel insurance policies under the names of Globetrekkers Standard and Globetrekkers Standard Plus.

The Globetrekkers Standard policy covers the bare essentials, while Regular and Globetrekkers Standard Plus policies have a more extensive coverage.

Regular Single Trip travel insurance is designed to cover people travelling on a single trip, whether you’re on a package or independent trip with the maximum trip duration of up to 60 days. Backpacker travel insurance policies are meant to cover travellers aged 50 years or under for up to 15 months with the possibility to extend the coverage duration to 18 months. You could also opt for a Comprehensive Single Trip policy which provides a wider and higher level of benefits for travellers aged up to 89yrs for travel up to 15 months (age restrictions apply to periods of travel).

Duration of your trip is one of the main reasons to choose one or another policy, but as every trip is different, every trip needs different policy features. Check the table below to see which features will suit you best.

Policy Feature	Regular	Globetrekkers Standard	Globetrekkers Standard Plus
Price	From £	From £	From £
Trip Cancellation or Curtailment	Up to £1,500 in total Excess: £40	Up to £1,500 in totalExcess: £40	Up to £1,500 in total Excess: £40
Emergency Medical Repatriation & Other Expenses	Up to £5,000,000 in total Excess: £40	Up to £5,000,000 in total Excess: £40	Up to £5,000,000 in total Excess: £40
Personal Possessions	Up to £1,000 in total Excess: £40	Not Covered	Up to £1,000 in total Excess: £40
Personal Money, Passports and Documents	Up to £250 (£125 if under 18 in total), cash limit carried on any one Insured Person £100 (£50 if under 18) in total. Excess: £40	Not Covered	Up to £250 (£125 if under 18 in total), cash limit carried on any one Insured Person £100 (£50 if under 18) in total. Excess: £40
Hospital Confinement Benefit	Up to £10 per day up to a Maximum of £500 in total. Excess: Nil	Up to £10 per day up to a Maximum of £500 in total Excess: Nil	Up to £10 per day up to a Maximum of £500 in total Excess: Nil
Missed Departure	Up to £300 in total Excess: Nil	Up to £300 in total Excess: Nil	Up to £300 in total Excess: Nil
Personal Liability including	Up to £2,000,000 in total Excess: Nil	Up to £2,000,000 in total Excess: Nil	Up to £2,000,000 in total Excess: Nil
Travel Delay	Not Covered	Not Covered	Not Covered
Delayed Baggage (excess of 12 Hours)	Not Covered	Not Covered	Not Covered

When choosing the best policy for you, pay particular attention to: trip duration; benefits and cover levels; and the policy excess.

If you know you will be away for a long time but need a no-frills, basic cover policy, you might want to opt for a Globetrekkers Standard travel insurance.

If you need a bit more coverage for baggage and a few more benefits and you are away less than 2 months, then Regular cover may be a good fit for you. If you want the same level of coverage for a longer trip of several months, then go for Globetrekkers Standard Plus to stay secure and know you are protected for your entire long-stay trip overseas. Alternatively, if you want belt and braces peace of mind that you have the best cover available from Globelink for whatever unexpected mishap that may occur, then go for Comprehensive Single Trip cover, which will have you sorted with our top level of cover for up to 15 months away (with the option of extending for a further 3 months).

Choose wisely and travel safely!

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