[]   Your account

Compare travel insurance for backpackers

Compare and find a great deal on backpacker travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on backpacker travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on backpacker travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on backpacker travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Update your previous quote
Update your previous quote

Compare and find a great deal on backpacker travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Qualifying purchases

To get a Sleepy Oleg toy and a year of Meerkat Meals and Meerkat Movies, make a qualifying purchase before 14 December and claim your rewards within 10 days.

Toy Other rewards
Car insurance
Home insurance
Life insurance
Travel insurance
Pet insurance
Bike insurance
Van insurance
Broadband, TV, phone
Business insurance
Landlord insurance
Income protection
50+ life insurance
Health insurance
Mobile phones
Caravan insurance
Motorhome insurance
Taxi insurance
Credit cards*

* You'll only be able to get a toy for your first credit card or loan application.

Not eligible for any rewards

Business energy, savings and current accounts, mortgages, business life insurance, business broadband, breakdown cover, temporary insurance, car finance, home care, homeowner loans and equity release.

Do I need backpacker travel insurance?

Whether you’re a gap year student or an intrepid explorer, backpacker travel insurance is a worthy consideration. It gives you peace of mind that if something happens to you, your plans or your possessions, you’ll be looked after. 
Whether you’re off to Australia, the USA, Africa, Southeast Asia, Central or South America, getting the right travel insurance policy is key.

What is backpacker insurance?

​Backpacker insurance is a type of cover aimed at people who plan to travel for long periods, often to multiple countries in one trip. It offers additional features and benefits compared to standard insurance, so your backpacking itinerary is fully covered.  

If you’re travelling on a budget, we’re here to help you find a great-value deal.​ 


On 02 October 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pension Service (MaPs) has also launched a directory of insurance providers, who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers Association on 0370 950 1790.

Why do I need backpacker insurance? 

​​Backpacker insurance is designed to cover you on longer trips abroad. It’s ideal if you’re planning to go away for several months at a time. It’s also known as extended trip insurance. 

Unlike other types of travel insurance, it’s tailored to cover you in multiple destinations and it often covers a range of adventure activities, as standard.  

Backpacker insurance can help cover the cost of medical expenses while you’re travelling, which can prove very costly in some countries.  

It could also cover you for lost or stolen baggage, damage to personal items and personal liability. 

Always check your policy details carefully to see exactly what you’re covered for. 

What should backpacker insurance cover?

​​All good travel insurance policies should offer similar features, regardless of whether they’re specifically aimed at backpackers.  
Make sure you choose a policy that covers you for: 

  • Medical expenses. This pays for the cost of treatment abroad and emergency flights to get you home, if required. 
  • Cancellation or curtailment. Useful if your trip is cancelled or cut short. It’s also a good idea to check if you have End Supplier Failure, which will provide some cover if your holiday provider goes bust. 
  • Delays and missed departures. This could compensate you for any expenses incurred if your flight’s delayed due to an insured event, such as a strike. Also, it’s worth checking if you’re covered for missed departures, as providers have specific guidelines on ‘good reasons for missing a flight’. 
  • Lost luggage. Most policies will cover the cost of replacing any lost or stolen baggage. But check that the cover limit is enough to replace everything you’re taking with you. 
  • Extreme sports. If it’s likely your trip will involve adventure sports and activities, for example bungee jumping, white-water rafting or diving with sharks, make sure these are covered and stated in the policy wording. 
  • The same goes for winter sports, including skiing or snowboarding – check you’re covered before you hit the slopes. 
  • Personal liability. This could cover the cost of any damage or injury you unintentionally cause while you’re away. It’s worth being aware that a claim could be invalidated if a doctor or specialist treating you after an injury, reports that alcohol was involved. 

How do I compare backpacker insurance quotes?

​Start your travel insurance quote with us today and compare features and prices, to find a policy that suits your needs.  

Remember, the cheapest option isn’t always the best option. Choose a policy that works for you based on where you’re going, what you’re doing, and how long you’re travelling for. 

Compare extended trip insurance for backpackers today and get a quote in minutes. 

Frequently asked questions

Should I consider backpacker insurance if I have a European Health Insurance Card?

You’ll still need to think about backpacker insurance if you have a European Health Insurance Card (EHIC). As it currently stands, an EHIC will give you access to the same medical treatment as people residing in that European country would receive. But having this card won’t pay to get you home (from Spain, an air ambulance can cost £25,000). Nor will it pay for any other costs linked to a medical emergency.       

Although you can still use your EHIC card during the current Brexit transition period, after 31 December 2020 its use will depend on any agreements the UK Government makes with the EU.

It’s worth being aware that while travel insurance isn’t compulsory in Europe, it may be a requirement in other parts of the world. For example, if you’re visiting Cuba you’ll need to show proof of travel health insurance.

Can I get backpackers insurance with a pre-existing condition?

If you have a pre-existing medical condition, you should always tell your insurance provider. A medical condition doesn’t mean you won’t find cover. But in some cases, your premium may cost a little more.

If your provider finds out that a medical emergency you suffered abroad was linked to a condition you knew about and didn’t declare, they might not pay out. That’s why it’s always best to be honest about your medical history.

What else should I consider?

Once you’ve worked out where you want to go and for how long, there are a few important things to think about:

  • Return visits. If life throws you a curveball and you need to come home early (perhaps for a wedding or a family emergency) you’ll be in a much better place if you’ve factored this into your insurance cover.
  • Working abroad. While some policies will cover you for injury or illness while abroad, this isn’t always the case when it comes to manual labour.
  • Volunteering. Backpacker insurance may cover you for certain types of volunteer work, but you should check your policy carefully. If it’s the focus of your trip, you could consider specialist volunteer travel insurance
  • Countries covered. You might have to pay a higher premium if you’re visiting certain countries. Not all backpacker policies cover you for travel to the USAMexico or the Caribbean. This might be linked to the high cost of medical treatment in these countries. 
  • Age limits. Some backpacker insurance policies have age restrictions if, for example, you’re a mature student or you’ve taken a sabbatical. Instead, you could look for a policy that covers all ages. After all, older people take gap years too
  • Political unrest. Policies often won’t cover you if the UK Government’s Foreign & Commonwealth Office has advised against travel. Such advice might be due to war or civil unrest in that area, or because of the Covid-19 pandemic. Read our guide to high-risk travel

Do you have any advice for backpackers?

Here are seven things for backpackers to bear in mind before they begin their adventures. 

  • Visas – find out if you need a visa and make the necessary arrangements to get one if you do.
  • Vaccinations – check with your GP whether you need any vaccinations. If you do, make sure you get an appointment in plenty of time before you travel.
  • Cash – ensure you have enough money to fund your trip.
  • Safe places – see whether the Foreign Office cautions against travel to any of the regions you’re planning to visit. If you do visit a country or an area with restrictions or warnings in place, you could invalidate your insurance.
  • Behave yourself – insurance providers take a dim view of incidents that occur because you were affected by drink and drugs and are highly unlikely to pay out for any claims made. The authorities in some countries can also be very severe if you commit a drug-related offence.
  • Respect – understand the local customs and follow them.
  • Learn – If English isn’t widely spoken where you’re going, think about brushing up on a few key phrases in the local language, before you travel.

When should I buy backpacker insurance?

The sooner you buy your backpacker insurance, the better. It may seem like an inconvenience. But if you buy beforehand, you may be able to recoup some (or all) of the holiday costs, if your trip is cancelled due to an unexpected illness, injury or bereavement. Policies vary though, so check the cancellation terms carefully.  

What affects the price of backpacker insurance?

​The cost of backpacker insurance depends on: 

  • Where you’re going. Typically, you’ll pay less to insure a backpacking trip within Europe than for worldwide destinations like Australia or Asia. Travelling to the US will likely cost more to insure due to the high cost of medical treatment there.  
  • How long you’re going for. The longer you’re away, the more expensive the insurance. 
  • Your age and health. Backpackers insurance is often aimed at younger travellers. You may have to pay more if you’re over a certain age bracket. Also, you’re likely to pay more if you have any pre-existing medical conditions. But remember, it’s important to be honest about your health, to avoid invalidating your insurance.  
  • What you’ll be doing. You may have to arrange additional cover for some high-risk activities like climbing, winter sports, extreme sports, or some watersports.  
  • What you’re taking with you. If you’re taking expensive sporting equipment or fancy gadgets, you might need to pay more to make sure you’re fully covered for loss or damage.​ 

What's not covered by backpacker insurance?

There are some common exclusions that apply to all types of travel insurance. Backpackers insurance might not pay out if you:

  • break the law or behave maliciously. 
  • are under the influence of alcohol or drugs at the time.  
  • ignore official advice from the Foreign and Commonwealth Office (FCO) or the World Health Organisation
  • leave your bags or possessions unattended and they’re stolen. Check your policy carefully as your insurance provider may insist you take certain safety precautions while you’re away. Also, you might not be covered for theft from hostels
  • mislead or fail to inform your insurance provider about any pre-existing health conditions or other key details. 
  • try to claim for any medical care in Europe that’s currently covered under the European Health Insurance Card (EHIC) agreement.  
  • change your plans and decide to come home early, unless this is due to Government or FCO advice. 

Are extreme sports covered by backpacker insurance?

Backpacker insurance may cover many adventurous activities as standard, but check your policy carefully to see exactly what’s included.  

You may have to buy additional or specialist cover for high-risk activities or extreme sports. It’s worth remembering too that, for insurance purposes, even activities like horse riding or swimming with dolphins could be considered ‘extreme’.​​ 

How do I claim when I'm abroad?

​When you go away, make sure you take a copy of your insurance documents, so you have all the details you need to make a claim. It could be either a paper copy or an online version that you’ve downloaded. 

If you do have to claim: 

  1. Speak to the local authorities, if necessary. If you’ve been a victim of theft, for example, you may need to get a police report within a certain time frame to support your claim. 

  2. Contact your insurance provider as soon as possible – there’s usually a 24/7 emergency helpline on your documents. If you think you might need non-urgent medical care, it could be worth speaking to your insurance provider beforehand, to be sure your claim would be covered.  

  3. Keep any evidence you need to support your claim, such as bills, police reports or medical forms. If you’re claiming for lost luggage, keep the receipts for any replacement items you buy, as you may be able to claim back the cost.  

​When you speak to your insurance provider, they’ll inform you of the next steps.

How much does backpacker insurance cost?

The price of backpacker insurance can vary a lot depending on where you’re going, what you’ll be doing, and how long you’ll be away for.  

Whether you’re interrailing around Europe for the summer, taking a gap year in Australia, or planning the ultimate American road trip, we can help. We’ll compare great deals to help you find the right travel insurance for your adventure.   

What do I need to get a quote?

To start comparing travel insurance quotes, just tell us: 

  • where you’re going. You’ll need different cover for different continents and countries. 
  • how long for. Backpacker insurance can cover you for trips lasting from 60 days to 18 months. 
  • what you’ll be doing. Do you have any extreme activities in mind? Will you be doing any volunteering?  
  • what you’re taking. It may be that you want to insure expensive gadgets or equipment. 

We’ll also need to know a bit about you, including your age and details of any existing medical conditions you may have. ​ 

Patrick Ikhena

Travel insurance expert

What our expert says

"Don’t risk ruining the adventure of a lifetime. Whether you’re heading out to travel the world on your gap year or taking an extended trip, make sure you’re covered with backpacker insurance.” ​ 

Why use Compare the Market?

Get a quote in 2 minutes**

93.3% of users would recommend Compare the Market to friends or family*** 

​**On average it can take less than 2 minutes to complete a travel insurance quote through Compare the Market based on data in September 2020.

***For the period 1st June 2020 to 31st August 2020, 10,731 people responded to the recommend question. 10,011 responded with a score of 6 or above, therefore 93.3% are likely to recommend.

comparethemarket.com uses cookies to offer you the best experience online. By continuing to use our website, you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacy & cookie policy.