Backpacker Travel Insurance
Planning an adventure? Our travel insurance for expat backpackers has you covered from the first step to the last stop – anywhere in the world.
Plan Options
What is Travel Insurance for Backpackers?
Whether you’re trekking up mountains, island-hopping, or exploring a continent by train, travel insurance for backpackers is essential for any expat. It’s designed specifically for adventurous, budget-conscious expats who need flexible and reliable cover on a one-off journey. From medical emergencies and lost gear to unexpected cancellations, backpacker travel insurance gives you peace of mind so you can focus on the experience, not the “what ifs.” With comprehensive protection and support, it’s the smart companion for every step of your journey.
Where do you cover?
Whether you’re volunteering, trekking, or exploring solo or in a group, Expatriate Group will cover you for journeys to areas within Europe and Worldwide
Travel to your chosen destination carefree knowing that you and your group are covered by our backpacker travel insurance. You’ll be covered from the moment you purchase your chosen policy and have entered the dates up until you arrive back.
We are unable to provide backpackers travel insurance for anyone travelling from Benin, Burkina Faso, Dominican Republic, Ivory Coast, Nigeria or Senegal.
Where do you cover?
Policy Benefits
Key Benefits of our Backpacker Travel Insurance
We understand that everyone has different budgets and varying priorities and with that in mind, we offer a core international travel insurance policy, additional policy options and destination tailoring so that you can adapt cover and premiums to provide you with exactly the right travel insurance solution for your needs.
Emergency Medical Evacuation
In the event that you become injured or unwell overseas you may need to be medically evacuated. Our core policy covers this, ensuring that wherever you are, you are transported to an appropriate medical facility for treatment. This is particularly useful if you’re backpacking in remote areas.
Emergency & Accidental Medical Treatment
Our core policy provides cover against the high cost of medical treatment and evacuation. It covers 100% of costs should an air ambulance, hospitalisation, prescribed medicine or care management be required as well as providing cover for other emergency treatment.
Enhanced Benefits & Protection
Our Standard policy includes all the benefits in the Basic policy, but it also has an extra optional level of protection. When travelling abroad accidents and losses are sometimes unavoidable and if you want to be protected should you lose any personal property or your passport, then choose our standard policy.
Cancellation and Curtailment Cover
In addition to the benefits of the Standard level of cover, our comprehensive option also protects you against cancellation and curtailment. This benefit may be important in the event that you have to cancel your trip unexpectedly or if you are forced to return home early due to unforeseen circumstances.
BACKPACKER TRAVEL INSURANCE
The Benefit Schedule
The benefit schedule below is applicable to Expatriate Group’s Travel Insurance for Backpackers. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
Our Partners
Backpacker Travel Insurance FAQs
Can I extend my backpacker travel insurance policy?
A one-time extension of no more than 30 days may be granted per policy if this is requested 72-hours prior to the expiry of the period of insurance.
Can I cover a group with backpacker travel insurance?
Yes, when going through the quote process you will be able to add up to 10 people to the policy. You will need to enter the date of birth for each individual.
Can I get backpacker insurance on the day of travel?
You can buy backpacker travel insurance up to the day before you leave on your trip but it’s advised that you purchase it in advance, especially if you want to be protected for cancellation and curtailment.
What is the maximum duration for my backpacker insurance?
To be covered by backpacker travel insurance the maximum duration must not exceed 180 days and may not be combined with any other policy to exceed this limit.
How does backpacker travel insurance work?
Backpacker’s travel insurance works for those that are only intending on going on a one-off adventure. It covers you for a specific trip from the moment you purchase your chosen policy up until you arrive back from your protected trip. Away for longer or moving abroad? International Travel Insurance could be the answer.
Latest Worldwide Expat News
Our expat blogs and travel guides are the perfect place to pick up inspiration, tips, tricks, and guidance for your next move or voyage overseas. Why not check them out today?
Featured In
