backpacking always comes across as a rather carefree way to travel. Carrying everything you need in a backpack, the world is free for you to visit and explore as well as when you choose.
free and easy nature of backpacking requires a special kind of travel insurance, and it is not an area you want to skip. Take some time to find out who will be the best policy for you and make sure everything that should be covered with before they left.
Backpackers insurance are generally very competitive and cover a wide range of activities, but they differ in the content, so you'll be covered for the activities you know you'll be doing.
certain sports activities, and may be covered up to a certain level, such as white water rafting can be included in your policy, but the rapids around the world differ in how difficult and challenging they are. Some of the more extreme they can not be included in your policy, so be sure to check that you are covered before you strap your helmet on.
Standard rules will also usually cover you for work abroad, since it is a very common activity among backpackers, in order to pay their way while they are traveling. Not all modes will be covered, although the most popular ones, such as bar work will be. Again, check your policy if you have any doubts when you are traveling to give Helpline a call to see if you are covered. May you find that you can still buy a standard policy and purchase additional coverage for some other activity prior to travel.
Most backpackers away from home for several months at a time - perhaps a year or more - and it is possible that you May want to pop home during that time. If you think it might be the case (you might want to surprise everyone by coming home on Christmas Eve, for example), then you need to make sure your policy allows you to travel back home in time should the need or want. Not every policy permits it.
In short it can be a good idea to make a list of things that will surely have to be covered for when you start looking for a suitable policy. In this way, the search will be far easier, and you'll be better placed to find the perfect policy for you.