Greatest backpacker journey insurance coverage

L ooking for a once-in-a-lifetime expertise that solely a backpacking journey can supply? You’ll want a specialist backpacker insurance coverage coverage that’s particularly designed for getaways lasting as much as 24 months throughout a number of locations.

It would supply important ranges of canopy for emergency medical bills, journey cancellation and misplaced or stolen baggage. Some insurance policies additionally cowl the injury, loss or theft of your devices and permit you to return to the UK for house visits throughout the interval of canopy.

Listed below are the 5 backpacker insurance coverage insurance policies we discovered which steadiness good ranges of canopy with a aggressive value. Whereas data was right on the time of writing, offers and premiums can range.

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For extra data on how we scored the insurance policies, consult with the Methodology part beneath.

Greatest backpacker insurance coverage

Insure For Journey PREMIER BACKPACKER – 5/5 stars

Insure for Journey

Premium: £313.50

Gadget cowl : £1,000 – £3,000

Can return house briefly: No

Why we picked it

Gives a aggressive premium of £313, and canopy for greater than 50 sports activities and actions as customary, together with bungee leaping, safari and trekking.

Covers working overseas offered it doesn’t contain guide labour.

There’s £3,000 for journey cancellation, £200 for journey delay, £1,500 for misplaced or stolen baggage and belongings, £300 for misplaced or stolen cash and £2 million in private legal responsibility cowl.

Private accident cowl ranges from £10,000 to £15,000 relying in your accidents.

Winter sports activities cowl for actions corresponding to snowboarding and snowboarding may be bolted onto your coverage at an extra price.

Gadget cowl for misplaced or stolen gadgets additionally comes at an additional price.

Professionals

Competitively-priced

£1,500 baggage cowl

£3,000 cancellation cowl

Cons

No journeys house allowed

£50 extra

Explorer Insurance coverage Backpacker Plus – 5/5 stars

Explorer Journey Insurance coverage

Premium: £326.73

Gadget cowl: £1,000 – £2,000

Can return house briefly throughout coverage time period: No

Why we picked it

Covers 50 journey actions together with bungee leaping and canoeing, and you’ll bolt on additional cowl for 50 extra excessive actions, at an extra price.

Gives £2,000 in journey cancellation and £1,500 for misplaced or stolen baggage and belongings, £300 for misplaced or stolen cash and journey paperwork and £1,000 ought to your airline go bust.

There’s additionally £15,000 should you’re injured as the results of an accident, £500 in hospital profit, for necessities corresponding to foods and drinks throughout your hospital keep in addition to as much as £250 for hijacking and mugging.

Gadget cowl includes a £1,000 Commonplace extension or the £2,000 Superior extension to cowl your gadgets. They’re priced at £160.50 and £262.92 respectively.

A £100 extra is payable on claims, however you may waive this by paying an extra £65.35.

Professionals

Competitively-priced

£1k – 2k in gadget cowl

Extra waiver

Cons

No journeys house allowed

£100 extra

Outbacker Platinum – 5/5 stars

Outbacker

Premium: £368.45

Gadget cowl: £1,000 – £3,000

Can return house briefly: Sure, one journey of 14 days

Why we picked it

Competitively-priced at £368.45.

Covers working a paid or unpaid job overseas, nevertheless it should not contain heights of greater than two storeys or heavy guide labour.

Additionally affords cowl for an array of sports activities as customary, in addition to excessive actions .

For canopy for extra sports activities and actions there are optionally available add-ons costing £368.45 and £552.67 respectively. A winter sports activities add-on is on the market at a price of £736.90.

Additionally included is £2,500 for journey cancellation, £1,500 for misplaced or stolen baggage and belongings, £500 for a missed departure and £2 million should you injure somebody or injury somebody’s possessions.

You should purchase one among three ranges of gadget cowl ranging between £148.39 and £284.11 in price.

This coverage permits one journey again to the UK for as much as 14 days.

Professionals

Competitively-priced

Three ranges of gadget cowl

No extra

Cons

Just one journey house for 14 days

CoverForYou Gold – 4/5 stars

CoverForYou

Premium: £416.84

Gadget cowl: £1,000 – £3,000

Can return house briefly: 2 journeys for max of 31 days

Why we picked it

Gadget cowl ranges from £1,000 – £3,000, at a price of £114.25 to £218.56.

There’s additionally cowl for golf, scorching air ballooning, safari, trekking and extra, as customary.

Cowl for a broader vary of actions is on the market from £85.25 to £340.75.

Supplies £3,000 for journey cancellation, £1,500 for misplaced or stolen baggage and belongings, £2 million for private legal responsibility, and £550 for inhabitable lodging.

You possibly can return house twice for as much as 31 days.

Professionals

Three ranges of gadget cowl

Two journeys house as much as 31 days

No extra

Cons

Comparatively costly

Submit Workplace Cash Financial system Backpackers

Premium: £532.39

Gadget cowl: £1,000

Can return house briefly: 3 journeys for max of seven days

Why we picked it

Covers a complete checklist of sports activities and actions, starting from abseiling to zip-lining.

Cowl for actions corresponding to bungee leaping, scuba diving and golf is on the market to bolt on to your coverage.

It’s also possible to go for an optionally available gadget cowl add-on of £1,000.

Gives £1,000 in cancellation cowl, £1,500 for bags and belongings and £2 million for private legal responsibility included as customary.

Professionals

Broad vary of actions lined as customary

Permits three journeys house

Cons

£1,000 cancellation cowl

Journeys house just for seven days

Methodology

Firstly, we analysed the insurers in our journey insurance coverage journey powered by CYTI, to determine the highest 10.

We ran quotes for an 18-year-old taking a worldwide journey for 12 months, on the websites of the insurers that provide backpacker insurance coverage. The place an insurer doesn’t supply backpacker insurance coverage we in contrast the backpacker insurance policies of one other model beneath the identical group, if potential.

We scored the insurance policies on value, cowl for broken, misplaced or stolen devices, sports activities and actions cowl and the variety of occasions you might be allowed to return to the UK throughout your travels.

All insurance policies supply at the very least £2,000 in cancellation cowl, £1,500 for misplaced or stolen belongings and £5 million for emergency medical prices and repatriation bills to get you again to the UK following an accident, harm or sickness.

We awarded every coverage a rating out of 5.

What does backpacker insurance coverage cowl?

Usually, backpacker insurance coverage contains the next cowl as customary:

Medical and repatriation cowl – to cowl emergency bills do you have to get injured or fall sick whereas away

Cancellation or curtailment of your journey – attributable to an emergency corresponding to falling sick, or a member of the family dying, both previous to departure or throughout your journey

Private legal responsibility – within the occasion you injure somebody or injury one other particular person’s property

Excessive sports activities and actions – usually 50 to 100 are lined robotically.

Do you have to want it, you may pay an extra premium so as to add optionally available extras corresponding to cowl for:

Extra sports activities and actions – covers a wider number of sports activities and actions

Winter sports activities – normally covers snowboarding, together with your gear.

If you wish to work whereas away, it’s price checking the sports activities and actions sections of a coverage to see if cowl for work is obtainable, both as customary or at an additional price. Some insurance policies might solely lengthen to sure varieties of job, and work that doesn’t require guide labour or working over a sure top.

What isn’t lined by backpacker insurance coverage?

As with customary journey insurance coverage insurance policies, there are typical limitations to cowl. Insurers normally will dismiss claims that resulted from being inebriated or medicine, or disorderly behaviour.

Sure insurance policies specify that you might want to be vaccinated to say medical prices for the sickness involved.

In case you have a pre-existing situation, you might must buy specialist cowl as an ordinary coverage received’t essentially cowl you. It’s because insurers view travellers with pre-existing situations as extra prone to make a declare.

Additionally, earlier than reserving your vacation and buying journey insurance coverage, in addition to earlier than you permit to your journey, it’s greatest to verify the Overseas, Commonwealth and Growth Workplace’s recommendation in your vacation spot. Travelling to a vacation spot the place it advises towards all, or all however important journey, might invalidate your coverage.

Distinction between customary journey insurance coverage and a backpacker coverage

Whereas an ordinary journey insurance coverage coverage will cowl journeys of as much as 30 days, backpacker insurance policies usually can cowl journeys of as much as 18 months, generally even 24 months.

They’ll additionally cowl journeys to a number of locations, in addition to varied actions from bungee leaping to sky diving, as customary.

Discover the most effective backpacker insurance coverage

It’s a great apply to check insurance policies earlier than buying, checking the next:

whether or not actions you’ve deliberate are lined robotically, or may be lined at an additional price. Look out for necessities corresponding to sporting security gear so as to have the ability to declare

whether or not all of the international locations you’ll be visiting are lined. A coverage together with international locations outdoors of Europe tends to be dearer than one which solely covers Europe. Cowl for locations such because the US, Canada, the Caribbean and, relying on the insurer, Mexico, may bump up premiums, attributable to larger medical prices in these international locations

the quantity of extra levied, in addition to the coverage value. The surplus is the set sum you’ll be required to pay on any accepted declare that you just make. The decrease the coverage value, the upper the surplus tends to be. You might be able to waive the surplus by paying an extra premium. This will probably be said within the coverage wording.

When ought to I take out backpacker insurance coverage?

The perfect time to buy any journey insurance coverage coverage is as quickly as you’ve booked your journey. It will permit you to make the most of cancellation cowl do you have to want it.

Insurers normally settle for cancellation claims for causes corresponding to falling sick or getting injured, or an in depth relative dying.

Is there an age restrict on backpacker insurance coverage?

Sure insurers might put an age restrict as little as 36 on their backpacker insurance policies, however there’s insurance coverage that caters to extra mature travellers. Be aware that insurance policies notably are inclined to get dearer for the over-65s.

Do I would like backpacker insurance coverage if I’ve a International Well being Insurance coverage Card (GHIC)?

A GHIC, the post-Brexit successor to the European Well being Insurance coverage Card (EHIC), regardless of the identify, continues to be just for use in Europe.

Whereas it does permit you to entry medical care as a neighborhood would, which might imply totally free or at a diminished value – it doesn’t cowl all the prices a backpacker coverage would.

As an illustration, it doesn’t cowl non-public medical care or repatriation prices. Neither will it pay out for non-medical associated points.