What does backpacker travel insurance cover?
Backpacker insurance covers everything a regular travel insurance policy does. But your cover will be over a longer period and can include multiple countries.
A good backpacker travel insurance policy should cover:
Medical treatment can be expensive abroad, so cover for medical costs and return travel to the UK could be useful if you get ill or injured overseas.
Your personal belongings, money and travel documents could also be covered if they’re lost or stolen. Make sure you report loss or theft within 24 hours and get a police report for proof. You’ll need it to make a claim.
Delays and cancellations if your flights are postponed or if you’re forced to cancel your trip in an emergency.
Accident, liability and legal expenses could be useful if you get into any trouble while abroad.
Extreme and adventure sports are covered as standard under some policies, but not all. Check with your insurer to make sure you’ve got the right cover in place if you plan to do these activities on your trip.
What our travel insurance expert says
If you’re backpacking around the world, the last thing you want is to be left out of pocket if something unexpected happens. Get backpacker travel insurance in plenty of time and you can enjoy your trip knowing you’ve got all bases covered.
Travel insurance Product Executive
Need more help?
The best travel insurance for backpackers depends on the:
- Destination(s) you’re visiting
- Level of cover you need
- Length of time you want it for
We compare travel insurance from a range of insurers so you can find a policy that suits your needs and budget.
Here’s what you should think about before going travelling:
- You might need a visa. Check the entry requirements for the countries you plan to visit. Some countries require visas on arrival so make sure you’re prepared with the right documents before you set off.
- Remember vaccinations. As well as covid vaccinations check with your GP for any additional jabs you might need like yellow fever or rabies, you might need to get some well in advance of your trip.
- Tell your bank you’re going overseas, if they flag any suspicious transactions they can block your card.
- Contact your mobile phone provider to check on any overseas charges you might incur. Be careful using free WIFI abroad especially to carry out confidential or banking transactions.
- Show respect to different countries that may have certain customs, research them before your trip and show respect.
- Languages. It’s always polite to learn common phrases like “please” and “thank you” in the countries national language.
You should buy backpacker insurance as soon as you book your trip. This will help cover you for the unexpected, like flight or tour cancellations, medical costs and your personal possessions for the length of your trip.
If you’re interrailing around Europe for the summer, backpacker travel insurance will cover you for multiple countries over an extended period. It can provide peace of mind that if your belongings get lost or stolen you won't be out of pocket.
If you’re going away on one trip for no more than 31 days, a single trip policy should provide you with enough cover. If you’re planning on travelling for more than 31 days to multiple locations, then a backpacker policy will provide you with the appropriate level of cover for your trip.
A backpacker insurance policy should cover you if you end up working on your trip, but not all policies do as standard. Check your policy details before you buy to make sure you’re covered.
A backpacker insurance policy won't normally cover you for any of the following:
- Failing to declare any pre-existing medical conditions
- Travelling against FCDO advice
- Failing to report any lost or stolen possessions in time
- Any incidents that happen while under the influence of alcohol or drugs
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