Believe it or not your travel medical insurance may have an eligibility requirement. This requirement could be concerning anything from whether or not you are in fact traveling in the United States, or if you are what state you intend to travel to.
Its interesting that in reading over a travel insurance policy, that they would state that if you are traveling outside the country, that you need to spend at least 24 hours or more away from your home. So be careful before you agree to anything since the states coverage is only based on the what state you live in and not what state you wish to go to. The best piece of advice is to ask the rep while you are on the phone. Always call with a list of questions, and just make sure to clarify which state is included.
Also be aware who among your family will be covered under the adventure travel insurance plan. Normally, your spouse and children will be covered, but with all the loopholes it does not hurt to ask. In cases where you have an adopted child, provided that they are below 19 years of age, generally they are covered under your plan. In instances where you had a second marriage and your spouse already had children from his/her ex-spouse, they may also be covered too.
Oddly enough, the insurance company may ask poignant questions about the child If they older, but what they want to know is this person unable to care for themselves. If the child is mentally retarded and is enrolled before the age of 19, they may usually be qualified to be covered under your travel policy. Inquire about physical disability as they may be covered as well. What they normally just ask of you would be a student id or other forms of identification that would confirm their student status. This is the same whether you want backpacking travel insurance or any other type.