The Best Insurance For a Perfect Holiday?

It's fair to say that there's some element of judgment, not to say snobbery, between those who go 'on holiday' and backpackers. Trekking with a rucksack you tend to become rather dismissive of tourists - failing to see that staying in a hostel rather than a hotel does little to diminish your tourist status. Similarly, trying to relax on a well-earned two-week break, it's too easy to cast derision on rowdy backpackers disturbing the peace on beaches with tales of countries they've 'done'.