You are just as likely to have an accident or become ill on a foreign business trip as a foreign holiday. However many take business trips alone and do have the support of a family around them should they become ill. At least with international travel insurance you will have help at the end of the phone and be covered financially for medical treatment.
If you intend to go backpacking for a long period of time you should buy a travel insurance that reflects this. Annual travel insurance policies tend to allow you to travel as many times as you like during your year, but only for a limited amount of days per trip. These periods of time are no normally long enough to cover backpacking trips.
Certain car hire agreements abroad do not cover you for personal injury whilst driving their hire car. They assume your travel insurance will cover you for such circumstances. Ensure you are covered whilst driving a hire car in a foreign country by reading your own insurance and the insurance polices provided with the hire car.
If you are looking for international travel insurance, them hopefully we have the right options and the right links to the websites that will give you the best deal for you, befire you go on your dream holiday.