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Backpackers insurance

If you've landed on this page then I think it's safe to assume you're about to go backpacking or you're at least thinking about it. It's also safe to say that backpacker insurance for your trip is not the most exciting part of planning your travels, is it? We know you really want to be thinking about potential henna tattoos, what hashtags to use for all the shots you'll be posting on Instagram (#blessed – it's a classic) and how to travel light but stylishly.

We can cover your kids for free!

If you’re going away with your children, we can cover them on your policy at no extra charge, whether you buy an annual policy or single trip cover.

Useful bits

24 hour medical assistance
+44 (0)207 748 0060

Customer services
+44 (0)207 748 8593

We do pet insurance now too

So if you've got a cat, dog or rabbit that needs insuring, get them covered today.

Tell me more

With that in mind, let's try to give you this (fairly important) information as painlessly as possible:

What is backpacker insurance? 

Backpacker travel insurance is unique in that it can cover you for up to 18 months at a time, while annual (or multi-trip) insurance has a limit to the length of any individual trip that you can take during a 12-month period. This could make backpacker insurance the ideal choice for those who want to spend an extended period of time travelling the globe, or living abroad for a few months.

Why do I need a specific backpacker policy, though?

Because you’re going backpacking. Seriously though, there's specific backpacker insurance for a reason. Most decent travel insurance policies cover things like accidents, illness, loss of belongings, theft, cancellations, delays etc. Backpacker insurance tends to cover all of that, but for a much longer period, in some cases up to 18 months at a time. It's a bit like temporary health and home insurance for a snail (because they carry their homes on their backs, see?).

InsureandGo backpacker insurance

There are some aspects of our backpacker cover that come as standard; you can't change or remove these bits because they are really important. For example:

  • Medical expenses
  • Baggage
  • Cancellation
  • Personal liability (if you injure someone or damage their property - really try not to, though)
  • Over 50 adventure sports and activities
  • Mugging benefit (seems like a bit of a weird phrase to me!)
  • Home stay (if you want to pop home for a bit - say, for Christmas or if someone gets ill at home - and then go back, your cover is seamless)

And there are bits that you can add on if you want:

  • Extra activities
  • Winter sports
  • Additional valuables

What do we exclude?

  • Any claim arising directly or indirectly from any medical conditions which have not been disclosed and accepted by us
  • Any claim resulting from a natural disaster or civil unrest
  • Any claim resulting from being drunk or intoxicated (a few drinks is fine, but we can't be held responsible for your silly drunken actions)

A full list of inclusions, exclusions and add-ons can be found in our backpacker insurance policy wording booklet.

You aren't required by law to buy backpacker travel insurance

But it's a good idea! Obviously, we would say that, wouldn't we? It can be quite expensive so no one could blame you if you are wondering if you should try your luck without it. The chances are you won't have to use it, but if something happens whilst you're away and you don't have travel insurance… it can be expensive. Very expensive. A broken leg in Singapore can cost up to £7,200. It can also be terrifying, especially if you're ill or injured in a non-English speaking country. A good travel insurance provider will be able to support you through something like that, so it's worth checking out the options before you head off on your adventure.

If you want to go ahead and buy, or just work out how much it'll cost, get a quote here.

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