| If you are traveling with limited resources, but you | | | | and pay for backpacker insurance. Such insurance |
| want to cover the basics associated with travel | | | | would cover the cost of a possible airlift, in the event |
| insurance, then you have reason to think about | | | | that the backpacker happened to wander into |
| getting budget travel insurance. However, if you | | | | treacherous territory. |
| contemplate taking in the pleasures that are usually | | | | Budget travel insurance has been designed to cover |
| linked to tropical vacations, then you might want to | | | | only items that cannot be reimbursed. If you need to |
| think twice before buying budget travel insurance. | | | | cancel your travel plans and get a second airline |
| While a low cost policy does cover the basics, it | | | | ticket, a low cost insurance covers the fee that is |
| usually does not cover any event considered to "an | | | | associated with that transaction. Upon payment of |
| act of God." A number of people who had planned to | | | | that fee, the holder of that old airline ticket should be |
| enjoy one of the typical tropical holidays learned that | | | | able to turn it in and get a new ticket. |
| the hard way in December of 2004. That was when | | | | No insurance designed for travelers should be seen as |
| a tsunami hit the coast of Thailand, where many | | | | a bargain if the company selling it appears ready to |
| people were vacationing. Like a loss sustained due to | | | | go "belly up." These days, a number of travel |
| a tsunami, a loss caused by a hurricane or an | | | | industries seem to be "on the edge of bankruptcy." |
| earthquake will normally not be covered by a cheap | | | | Therefore, it is best to get travel related insurance |
| form of travel insurance. | | | | from someone outside of the travel industry. In |
| If you plan to get some type of budget insurance, | | | | other words, do not buy insurance for your trip from |
| you should set aside time for studying all of the | | | | the group that asked you to pay for either the |
| specifics relating to your policy. It may not cover | | | | tickets or the accommodations. |
| travel over every inch of the globe. The extent of | | | | If you keep in mind the above advice, then you |
| coverage should concern anyone who plans to | | | | should enjoy a fun trip, and one that is not too |
| venture off the beaten path, like a backpacker. A | | | | costly trip. |
| backpacker might want to "stretch" his or her budget | | | | |