Many people choose to take a gap year after finishing university in order to travel around the the world to visit exotic locations that are off the beaten track. These back packing trips give young people the opportunity to get a taste of foreign cultures and use their time to see sights that they may not get an opportunity to see later in life. One thing that is vitally important for any long term traveler to have is backpacker travel insurance. One of these specialist policies can provide you with insurance cover throughout your journey round the world, so that no matter where you travel, assistance is only a phone call away.The safety of personal possessions is one of the main concerns that travelers have. These days, people are more likely o be carrying expensive electronic goods such as lap top computers, digital cameras, and MP3 players with them when they travel, and these will always attract the attention of thieves in poorer countries. Thieves will often specifically target younger travelers in the knowledge that they will be carrying this kind of gear around with them. The naivety of younger people means that they are prime targets for theft, however if they have a back packer travel insurance policy, it is possible to get cover for replacement goods, and have them replaced quickly no matter where they are in the world.Another important side of travel – especially in poorer countries is getting a taste for the local culture. In such places, travellers get the chance to taste local food, and to drink the local water. The problem with exposure to such food and drink is that many people are not attuned to it physically, and can get sick – particularly from the water. Overseas medical treatment is expensive, and tourists will often be charged a premium. Beyond this, in an emergency, getting home can be very costly, and unless a person has some form of backpacker travel insurance [http://www.qotr.co.uk/travel-insurance/backpacker.php] they will face a large bill if they get ill overseas – which is more common that you would think on longer trips.If you buy backpacker travel insurance [http://www.qotr.co.uk/travel-insurance/backpacker.php] for your overseas trip, you need to ensure that it includes all the cover you need. Factors to check before you set off on your travels include that you have comprehensive medical cover for all of the countries that you visit, and that it covers you for the entire duration of your trip. Using a comparison website such as Qotr, you will be able to find a large number of different travel insurance policies to find the best deal for your needs. Whichever policy you need you should contact your provider in advance if you are planning activities such as diving to ensure that you can add cover for these before you travel.