Backpackers insurance
Also called long-stay insurance or gap year insurance, Outbacker will cover you to travel for up to 18 months.
How good is Outbacker travel insurance?
Outbacker is owned by Worldwide Internet Insurance Services Limited and has been trading since 2002.
It’s a specialist travel insurance provider that only offers backpacker and gap year policies. Its services include 24-hour emergency assistance, while its policies cover more than 100 sports and activities as standard.
Outbacker travel insurance also covers working holidays of most kinds.
Key benefits:
Flexible travel insurance for those under 40
Travel for up to 18 months
Extend cover or upgrade at any time
Key inclusions:
Working holiday cover
More than 100 sports and activities
Access to a UK doctor via a video call*
* For minor medical issues
Defaqto rating:
⭐⭐⭐⭐⭐
Defaqto is a leading independent reviewer of financial products.
What types of travel insurance can I get with Outbacker?
You can get European travel insurance if you're staying on that continent, and Australia and New Zealand cover if you're just visiting those countries. If you're travelling further afield, you'll need worldwide cover.
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Working abroad insurance
Outbacker can cover you for work abroad, although there are restrictions on lifting heavy items, using specialist machinery and working at heights.
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One-way travel insurance
Outbacker will cover you for a trip with no set return date, as long as you come back to the UK within 18 months.
What extras can I add to my Outbacker travel insurance?
There may be limitations, conditions and restrictions to the below. Your policy documents will have full information.
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Winter sports
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Higher risk activities
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Adventure travel
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Volunteering
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Student travel insurance
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Gap year insurance
How do I contact Outbacker?
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By phone
Call: 02034 754682 for customer service.
If you need to make a claim see ‘How do I make a claim with Outbacker'.
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By email
Email: travel@outbackerinsurance.com for general help and enquiries.
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Opening hours
Monday to Friday: 9am – 5pm
Saturday to Sunday: Closed
How do I make a claim with Outbacker?
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General claim
For a general travel insurance claim
Call Inter Partner Assistance: 0330 123 9203
Register online: Go to the Customer Zone of the website and click ‘make a claim’
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Emergency claim
If your claim is urgent:
Call: 0330 123 9193
You will need to provide: your name and address; your contact phone number abroad; your policy number shown on your policy schedule; and the name, address and contact phone number of your GP
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Gadget claim
To claim for loss or damage to your electronics contact the Oxford Claims Company.
01865 745566 (lines are open Mon-Fri 9am-5pm)
claims@theoxfordclaimscompany.co.uk
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Review your policy
Look over your travel insurance documents to confirm what’s covered and what you can claim for. This helps you know what evidence you’ll need.
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Provide evidence
This could include police reports, doctor's notes, receipts for new bookings or replacement items and proof of delays or cancellations.
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Claim is accepted or rejected
If successful, either your costs are refunded or the insurer directly pays suppliers, such as hospitals.
Frequently Asked Questions
What types of travel insurance do Outbacker offer?
Outbacker specialises in gap year cover and backpacker insurance for UK residents aged under 40.
Does Outbacker cover pre-existing medical conditions?
No, Outbacker does not provide cover if you have a pre-existing medical condition.
What are the cover levels with Outbacker travel insurance?
Outback offers three cover levels:
Silver - the basic level
Gold - the mid-tier option
Platinum - the highest level of cover
There is no excess to pay with claims made on a Platinum policy, Gold has a £50 excess and Silver has a £95 excess.
What are the cover limits with Outbacker travel insurance?
The cover limit for a medical emergency is £15,000,000 across all cover levels (Silver, Gold and Platinum).
Cancellation cover ranges from £2,000 for a Silver policy to £5,000 for a Gold or Platinum policy.
The baggage cover limit is £1,500 for Silver and £3,000 for Gold and Platinum policies.
What are the key exclusions with Outbacker travel insurance?
Outback will generally not pay out for:
Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to Outbacker and it has agreed to cover it
If you have an accident or an incident while you are under the influence of alcohol or drugs
Any amount recoverable from any other source, such as your airline, accommodation provider, ATOL bond or debit/credit card provider.
The cost of Air Passenger Duty, whether irrecoverable or not
Any claim for regional quarantine
Loss, theft of or damage to your valuables, cash, important documents or personal money which you left unattended or from luggage checked in with an airline
Any pre-existing medical conditions
Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic
If you can’t travel because you don’t hold, obtain or produce a valid passport or any required visa in time for the booked trip
Under all sections, any claim arising from a reason not listed in the ‘what is covered’ section
Which sports are standard with Outbacker travel insurance?
Outbacker travel insurance includes cover for more than 100 sports and activities such as bungee jumping, kayaking (grade 1 rivers) and scuba diving to 18 metres.
The full list of available sports and activities, including any conditions which must be met, can be found on Outbacker's inclusive sports and activities page.
What does Outbacker’s winter sports cover include?
If you add on winter sports to your Outbacker policy you will be covered for:
Your winter sports equipment or equipment hire
Your lift pass when skiing or snowboarding
Piste closure
An avalanche delays your arrival or departure from your booked resort
How do I cancel my cover with Outbacker?
You can contact Outbacker to cancel by:
Phone: 0203 4754682
Email: travel@outbackerinsurance.com
Online: via the Customer Zone
If you cancel within the 14-day cooling off period you will receive a full refund.
If you cancel after the 14-day cooling off period you will receive a proportionate refund based on the time you have held the policy.
Outbacker will not refund your premium if:
You have travelled on the policy
You have made or if you intend to make a claim
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