Backpackers on a trail

Backpacker Travel Insurance

  • Full access to HealthHero - a 24/7 GP via telephone and video based in the UK
  • Up to £10m Emergency Medical expenses covered
  • Personal liability covered over £1m on all policies 
  • Over 23,000 UK travellers covered in 2022 for journeys across the globe

Nothing's quite as exciting as embarking on a journey to uncover and explore new corners of the globe. Whether you're travelling for adventure, escapism, self-discovery or curiosity, we know that part of the excitement comes from not knowing exactly what lies ahead, throwing routine out of the window and leaving the ordinary behind.

Our Backpacker insurance provides you with cover if your trip doesn't go to plan. If you're under 50 and you're planning the adventure of a lifetime, our Backpacker travel insurance offers protection against risks such as cancellation, delays, missed departures, lost or stolen baggage, medical expenses and repatriation to the UK. Whether you're trekking around , discovering Asia, wandering the outback of Australia or exploring every corner of the globe on a gap year, our Backpacker insurance is appropriate for most travellers.

With over 13,000 people working across five continents, speaking 58 languages, we’re as local as we are global*. We have a deep understanding of the markets in which we operate, and we’re experts in helping our customers in the event of a medical emergency – 24/7, 365 days a year. Whether you’re travelling for the first time or not, knowing you’ve got someone on hand who can help is invaluable. 

Let us protect you for your next adventure with our backpacker insurance. 

*correct as of 08/09/2023

Let us protect you for your next adventure with our backpacker insurance.

Our Backpacker insurance can protect you against potential risks from the moment you book your holiday to the second you return home.

You should buy your backpacker or gap year travel insurance as soon as you book your trip, because then you're protected if you need to cancel it.

While you're away, your Backpacker travel insurance provides cover if you need to curtail your trip and fly home. Plus, there's cover if you miss your departure, or if your departure is delayed. The policy will also help protect you if your personal items are delayed, lost, stolen or damaged. This includes your personal money and your passport.

There's also no need to worry if you suffer from an illness or an injury while you're away. Our Backpackers travel insurance includes personal accident cover, and will pay for emergency medical expenses if you need medical treatment abroad. Repatriation cover helps if you need to be flown back to the UK for medical reasons. We'll also provide you with legal support for any personal liability claims made against you. 

 Please see the policy handbook for full terms and conditions.

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Delayed Departure
Delayed Personal Possessions
Delayed Ski Equipment
Emergency Medical Associated expenses
GP 24/7 Online
Hired Ski Equipment
Legal Expenses
Loss of Passport
Missed Departure
Owned Ski Equipment
Personal Accident
Personal Money
Personal Possessions
Personal Liability
Piste Closure
Ski Pack

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

Having a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to the government-provided healthcare of the European Union country you are visiting and lowering the medical costs you would normally expect to pay. Although this is a good addition to take on holiday, it should not be seen as a replacement for travel insurance which could provide you with further protection and peace of mind whilst you are abroad. Our travel insurance policies can protect you against many unforeseen eventualities.
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HealthHero 24/7 GP telephone and video consultations
Medical solutions icon
Our travel insurance policies provide you access to HealthHero – a 24/7 GP telephone and video consultation service* – which connects you with a UK GP to provide the reassurance and professional medical advice you need while you’re travelling abroad.
*For video consultations, time restrictions apply and UK Bank Holidays are excluded.
Planning on taking more than one holiday this year? Our Annual travel insurance policy could be a great fit if you're traveling multiple times. You're covered for an unlimited number of trips for a 12-month period, so you can jet off whenever you like.
Whether you're taking the kids to Disneyland Paris or heading away on a beach holiday, our Single Trip family travel insurance is great for those one-off trips.
Hit the slopes with confidence, whether it's your first or fiftieth time on the pistes, with our backpacker with ski insurance.
Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. From 5th May 2021, we will not be able to provide cover while you take part in riskier sports and leisure activities like kite surfing and rugby. This is only a temporary measure while we make improvements to our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.
From 5th May 2021, we will temporarily be unable to offer travel insurance policies to cover Car Hire Excess. This is only for the short term, while we make improvements to our online booking process. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.
Asia is one of the most popular gap year destinations for UK backpackers because of its affordability and combination of culture and nightlife. Asia has many terrains and cultures to explore when you are there, with some of the most popular destinations being Cambodia, Hong Kong, Indonesia, Laos, Philippines, Thailand and Vietnam. Protect yourself with backpacker insurance for Asia.
Europe is so well connected both by air, sea, road and rail. It gives backpackers the ability to see everything the continent has to offer from the Northern Lights to the stunning Mediterranean beaches. Explore the UK's closest neighbour knowing you're protected.
Read our latest news and articles for your next backpacking adventure.
EHIC and GHIC cards are essential pieces of travel documentation when heading to the EU, but they're not a substitute for travel insurance. Our guide explains all.
Backpacker travel insurance may not be at the top of your list whilst planning your journey, but it’s vital for anyone planning on being away for an extended period of time.
Whether it's your first road trip in Europe or you're an experienced continental driver, our guide to driving in Europe is designed to help you get road-trip ready.
Being adventurous and spontaneous on your travels is what makes the time so exciting, but that doesn’t mean you shouldn’t prepare, plan ahead and take on these travel tips to keep you safe whilst backpacking.
Understanding our claims process

You'll need your policy number to submit your claim to us. This is available in your certificate of insurance which is sent to you when you take out cover. 

It's a good idea to take your policy information with you on your trip so you can provide us with all the necessary details in order for us to help.


Once we receive your claim, it'll be assessed by our experienced team. 

To speed up the assessment of your claim please make sure to include all applicable information and evidence such as receipts, booking confirmations, hotel reservations and crime reference numbers. If you fail to provide all the necessary information this will cause a delay in processing your claim. 

Once our team has assessed your claim we'll be in touch with you via your preferred contact method to confirm the outcome and inform you of any next steps.



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Alternative Cover Options For Pre-existing Medical Conditions

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers featured in the MoneyHelper directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm)