
If you’re looking for backpackers’ travel insurance, this article will help you decide which insurance company could be best for you and give you some tips on how to choose the best backpackers' travel insurance policy.
If you have an upcoming trip to discover the world backpackers travel insurance is recommended to keep you covered should any accidents or incidents occur. Backpackers’ insurance is sometimes referred to as gap year insurance or extended leave travel insurance and covers you for as long as you’re abroad, typically between 12-18 months. It can cover multiple destinations during one trip and usually allows you to temporarily return to the UK to visit friends or family, or deal with an emergency and then go abroad again.
It’s always recommended you take out travel insurance whilst abroad, and backpacking is no different. There are many benefits to taking out insurance, and some of those include reimbursing any expenses you may incur from loss of belongings, accidents, flight delays or cancellations, medical bills, and certain events outside of your control. Some destinations may be more dangerous than others, some have higher levels of crime, and accidents can happen to even the safest of travellers. Taking out cover will provide you with a level of security and support should you need it during your travels. Choosing not to take out insurance could result in costly bills and additional stress; backpackers' insurance helps you to travel stress-free, knowing you're covered should you need it.
Depending on the company and level of cover you choose, most companies cover the following:
It’s recommended you always read the small print and terms and conditions to ensure you have the level of cover you’re happy with.
Typically, backpacker travel insurance doesn’t include:
All policies will be slightly different, so check the small print, list any pre-existing medical conditions and ensure you add on cover for any extreme sports. Make sure your policy also covers all gadgets you wish to take, some will be included as standard, but you may require add-ons.
TrueTraveller
TrueTraveller offers great value backpacker travel insurance from just 2 days up to 18 months, offering outstanding medical cover including medical repatriation, personal liability and personal accident cover as well as legal expenses. They also cover 92 activities as standard, including trekking to 3,000m, bungee jumping, horse riding, scuba diving to 18m and cover for non-manual work. You can also add on Adventure, Extreme and Ultimate Activity Packs to cover you for additional activities.
Go Walkabout
Go Walkabout offers a range of policies suitable for those heading on their travels for either a gap year, a working holiday visa, or extended travel. The ‘Walkabout’ policies come in ‘Walkabout’ and ‘Walkabout Plus’ and are perfect for budget-conscious travellers looking to tailor their level of cover and travel for up to 18 months.
For those choosing to work or volunteer whilst abroad, the working holiday insurance will ensure you’re covered if you’re injured at work. Go Walkabout offers ‘work packs’ which cover various jobs, from farm labouring to operating machinery or working with animals. Admin, bar, café or retail is covered as standard, if you’re undertaking something else, check which pack you’ll require. They also offer ‘activity packs’ for those looking to add on certain sports and activity cover.
Outbacker
Outbacker offers flexible gap year travel insurance cover for those aged under 40. It is a popular choice and covers travel for up to 18 months, over 230 sports and activities, covers if you need to return to the UK, and working abroad is covered as standard. They also offer the My SOS Family app for all policyholders, which gives family members and travellers peace of mind. The app has several features, including location sharing, keeping safe by sending out alerts when triggered, and contacting emergency contacts & emergency services in the event of an emergency.
Tesco Backpacker Travel Insurance
Tesco offers backpackers’ insurance cover for up to 18 months; travellers can choose between Economy or Premium cover depending on the level of cover required. Policyholders will have access to an English-speaking online doctor should they need it, and a 24/7 helpline will be available in case of medical emergencies. Clubcard members get 10% off when buying directly.
World Nomads
World Nomads is a global travel insurance company designed by travellers, for travellers; if you need insurance but have already left the UK, this may be the company for you. Their standard or explorer plans cover you for destinations around the world for up to 12 months, with different benefits depending on the level of cover you require.
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Backpacker travel insurance
This type of insurance can cover you for up to 18 months and is designed to cover multiple destinations worldwide. Some policies cover you for working abroad, or for certain extreme sports or activities you might want to experience.
Annual multi-trip travel insurance
Annual travel insurance is designed to be more cost-effective than booking single trip cover for travellers taking more than one trip abroad in the next 12 months. You tend to be covered for as many trips as you like within those 12 months, but you may be limited to around 31 days per trip.
Single trip travel insurance
Single trip insurance will purely cover you for one trip, to a destination you specify for your travel dates only. You can select add-ons if required.
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Backpacker travel insurance can cost anywhere from £220 and over £1500 and beyond, depending on the level of cover you choose.
There are several factors which can affect the cost of your policy. Some of these include:
When you’re looking at travel insurance, it’s important to declare any pre-existing medical conditions to ensure you’re covered. Failure to do so could mean you incur costly medical bills should you need any treatment. Depending on the condition, it could increase your premium; if you have a serious condition, you’ll need to look into specialist travel insurance. Insurers will assess the risks of your condition to determine how likely it is that you’ll require medical treatment when travelling.
The following conditions should be declared before you travel:
Before looking into specialist travel insurance companies, declare any medical conditions during the application process. Some gap year travel insurance companies will cover many conditions as standard, provided you have not been hospitalised (including day surgery or visits to A&E) for the condition in the past 24 months.
It’s worth checking the policy wording to ensure you meet certain requirements, for example, if you have Cancer, some policies will require that you have not had any chemotherapy or radiotherapy in the 12 months before you purchase the policy.
All policies are different, so please discuss any queries directly with the insurance company, be truthful during your application and read the small print.
There are several add-ons you may want to consider for additional benefits that won’t always be covered as standard on your policy.
Do I need a return flight for backpacker travel insurance?
Some insurance providers require you to have a return date when taking out backpacker insurance. However, there are some travel insurers, such as Big Cat Travel Insurance will allow you to take out one-way travel insurance.
What is the difference between backpacker and annual travel insurance?
Backpacker insurance allows you to travel for up to 18 months, to multiple countries as part of one trip. Whereas annual travel insurance is designed to cover you for up to 12 months, for multiple trips throughout the year.
Are dental accidents or emergencies covered under backpacker travel insurance?
Most insurers will cover you for urgent dental emergencies that require immediate treatment.
Can you take out backpacker travel insurance once you’ve already left your country of residence?
This can depend on the insurance company; some will require you to take out insurance before you travel. Others, such as TrueTraveller, will allow you to take out insurance after you leave your country of residence.
What should I do if I want to travel to a destination not covered in my policy?
Destinations the Foreign, Commonwealth and Development Office (FCDO) advise against visiting will not be covered by backpacker insurance or any travel insurance policy. If you choose to travel to these destinations, you won’t be covered by your travel insurance.
Some insurance companies may offer European FCDO Travel Advice Extension cover, which provides compensation towards accommodation or travel expenses should the FCDO advise travellers to return home.
What gadgets won’t be covered under standard backpacker travel insurance?
Depending on the provider, some will allow you to insure a certain number of gadgets under a standard policy or will pay up to a certain amount should you lose or break items. However, if you have any expensive tech, you might want to include an add-on which gives you additional cover.
If you don’t get appropriate vaccinations for your travel destinations and become unwell, are you covered for medical treatment?
If you choose not to get the recommended vaccinations and become ill as a result, you will invalidate your gap year travel insurance policy.
Is diving covered under backpacker travel insurance?
Most standard backpacking policies will cover you for diving, but with limitations. Some will only cover you for dives up to a depth of 18 meters. Others will allow you to add adventure activity cover, which will cover you for deeper dives.
If I miss my flight, due to unforeseen circumstances, am I covered or entitled to compensation?
You will be covered if you miss your flight for any reason which are mentioned in your policy. If they’re not mentioned, you won’t be covered. It's worth checking your policy, as each provider will be different.
Additionally, it’s worth noting that if you miss a flight due to a fault of airline, such as delays or a mechanical failure, it is the responsibility of the airline to ensure your flight runs on time. If they fail to do so, the airline is responsible for compensating you, not your backpacker insurance provider.
Choosing the right backpacker’s insurance policy is imperative to make sure you’re covered in case of any unexpected events. For those backpacking on a budget, it’s tempting to opt out of this to save on costs, but the alternative could be very expensive should any incidents arise. Checking the policy wording in detail is recommended to make sure you’re covered for everything you require, and any extras are added on if you need more coverage.