Outbacker travel insurance

Outbacker’s platinum cover offers two types of long-haul travel policies, gap year cover and backpacker insurance. In each case, there are three levels of cover to choose from:

• Silver
• Gold
• Platinum

Here are the main benefits offered across all three:

• You could participate in over 100 activities under the protection of your policy, including archery, hot air ballooning, kayaking and surfing.
• Emergency medical costs and return travel. Depending on your level of cover you could get from £1,500 to £2,500 of protection if you need to cut your holiday short.
• Dental care is included if you need serious dental work done while you’re on your trip. Outbacker will cover you for from £250 to £500 depending on the policy level you’ve chosen.
• Travel disruption is also covered if you miss your flight for a legitimate reason. Should there be a scheduled flight or transfer delay you can expect £20 per day, up to a total of £200. Total flight disruption will result in a £500 pay-out.
• Baggage and cash are covered if they’re lost or stolen. You’ll get £1,000 with gold or silver policies or £1,500 with platinum cover if your baggage goes missing. A total of £150 will be paid per single article lost, but if a valuable item goes lost, stolen or broken, the insurer will deduct this sum from your overall baggage limit.
• Personal liability means if you’re sued during your holiday, the insurer will pay for legal expenses and assistance up to two times the agreed limit (if more than one person is covered) to the tune of £10,000. When it comes to personal liability, you are covered for up to £2 million.
• Personal injury is also covered. If you sustain a life-changing injury, such as the loss of a limb or an eye, Outbacker Insurance will pay up to £10,000. The same sum would also be paid out to your estate if you die while on your trip.