How to Compare Regular and Backpacker Travel Insurance Policies

13 October 2015

Travel Insurance Tips

 


Searching for the best travel insurance policy can be quite challenging with so many options out there. Even if you’ve already chosen the insurance company you can trust, you may find it hard to choose between the benefits and disadvantages of various policies. Regular single trip and Backpacker travel insurance policies are two of the most popular covers with the similar coverage features in the same price bracket. As travellers often have trouble choosing between these two policies, we decided to compare them for you.

 

Globelink offers Singe Trip cover and two Backpacker travel insurance policies under the names of Globetrekkers Standard and Globetrekkers Standard Plus. As you can see in the table below, Globetrekkers Standard policy covers the essential needs of a traveller while Regular and Globetrekkers Standard Plus policies have a more extensive coverage.

 

Regular travel insurance is designed to cover people travelling on a single package or self-catering holiday 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.

 

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 are included in which policy.

 

Policy Feature

Regular

Globetrekkers Standard

Globetrekkers Standard Plus

Price

From £16.55 From £37.47 From £44.09

Trip Cancellation or Curtailment

Up to £1,500 in total


Excess: £40

Up to £1,500 in total
Excess: £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 the following factors: trip duration covered policy features you may need, prices and excess levels. If you know you will be away for a long time but need only the basic coverage, you might want to take out Globetrekkers Standard travel insurance.

 

If you need a more thorough coverage for a single trip under 2 months, then Regular policy may be a perfect fit for you. However, if you need the same level of coverage for a long trip of several months, than choose Globetrekkers Standard Plus policy to stay safe without having to worry about renewing your insurance every month or two.

 

Choose wisely and travel safely!

Planning Your Future Trip?

Join 14K savvy travellers reading our monthly newsletters!

We accept