What you need to remember is there are hundreds of travel insurance companies out there and many of them are evil.

Choosing a good insurance policy can be pretty overwhelming. Often, in the fine print you’ll find that policies are not as good as advertised.

For example, some (really!) cheap travel insurance companies will insist that you pay a high excess on claims for electronics or other personal belongings.

When hunting for a plan and comparing backpacker insurance policies, start with the basics.

First and foremost, make sure that your insurer has a high coverage limit on your medical expenses. Many companies provide up to £1,000,000 in medical coverage and some more expensive policies providing provide even more. High coverage limits are important because if you get seriously sick or injured your medical bills could skyrocket.

Secondly, you want to make sure your policy covers emergency evacuation. If your trekking at altitude and you break a leg, you will need evacuation cover to pay for the helicopter. If you don’t have it, it’s going to be pretty damn expensive.

Crucially, your policy should also cover repatriation back to your home country if necessary; you don’t want to have to pay for a flight home if you end up being too injured or sick to continue your travels.

At the end of the day, if your travel insurance company DOES have an out then they will use it to avoid paying – it is therefore really crucial you cover your ass and, if trekking at altitude for example, you get the relevant add-on to your policy.

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