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Backpacker insurance

Also known as Discoverer trip, this is ideal for
backpackers, gap years and round-the-world trips.
From £135
Trips must last between between 3 to 18 months. Available for under-54s only. This price is based on a single person travelling worldwide for 3 months, excluding USA.

Included in our Backpacker insurance...

A backpack

Up to £1,000 insurance for your personal belongings

Insure your bags and their contents. Up to £1,000 for
items that are lost, stolen or damaged while travelling.

Also included...

  • Personal accident
    Up to £10,000 per person if your injury is fatal or leads to total or permanent loss of sight or limb. Up to £25,000 if you can’t work after two years.
  • Medical emergency
    We'll support you in a health emergency with up to £10 million in medical expenses. Learn more
  • Cancellation or cutting your journey short
    Up to £3,000 if you need to cancel your trip or up to £5,000 if you need to cut it short.
  • Lost or stolen passport
    Up to £500 for extra travel and accommodation costs while you arrange a replacement.
  • Airline goes bust
    If your travel, accommodation or excursion provider goes bust, anything not protected elsewhere can be claimed.
  • Legal expenses and 24‐hour helpline
    For practical UK legal advice and expenses up to £50,000. Learn more
  • Children's cover
    We’ll cover any insured young person under 18 providing they’re travelling with an adult insured under the policy. Learn more
  • Personal liability
    Up to £2 million if you're found to be legally liable for an incident that you caused during your journey that resulted in physical injury or death, or accidental loss or damage to property.
  • Natural disaster cover
    If you can't stay at your accommodation due to a disaster we'll pay the necessary extra travel and accommodation expenses. Learn more
  • Delayed personal belongings
    If an airline or other travel provider has delayed your bags for more than 12 hours, we’ll provide up to £200 for any essential personal belongings you need to buy.
  • Lost or stolen passport
    Up to £500 for extra travel and accommodation costs while you arrange a replacement.
  • Airline goes bust
    If your travel, accommodation or excursion provider goes bust, anything not protected elsewhere can be claimed.
  • Legal expenses and 24‐hour helpline
    For practical UK legal advice and expenses up to £50,000. Learn more
  • Children's cover
    We’ll cover any insured young person under 18 providing they’re travelling with an adult insured under the policy. Learn more
  • Personal liability
    Up to £2 million if you're found to be legally liable for an incident that you caused during your journey that resulted in physical injury or death, or accidental loss or damage to property.
  • Natural disaster cover
    If you can't stay at your accommodation due to a disaster we'll pay the necessary extra travel and accommodation expenses. Learn more
  • Delayed personal belongings
    If an airline or other travel provider has delayed your bags for more than 12 hours, we’ll provide up to £200 for any essential personal belongings you need to buy.

See full list of what's included


What's not included?

  • Abandoned journey
    You won't be able to claim if you abandon your journey for any reason.
  • Winter sports
    We won't pay out for any claim relating to winter sports.
  • Delayed or missed departure
    You won't be able to claim should your departure be delayed or missed.
  • One-night UK trips
    Trips lasting a single night aren’t covered by the policy.
  • Non-UK residents
    We won't pay for any claim unless you’re a permanent resident of the UK.
  • One-way trips
    One-ways trips will not be covered. Your trip must be a return journey starting and ending in the UK.
  • Undeclared pre-existing medical conditions
    Let us know about any pre-existing medical conditions before you take out a travel insurance policy with us or you won't be covered.
  • One-night UK trips
    Trips lasting a single night aren’t covered by the policy.
  • Non-UK residents
    We won't pay for any claim unless you’re a permanent resident of the UK.
  • One-way trips
    One-ways trips will not be covered. Your trip must be a return journey starting and ending in the UK.
  • Undeclared pre-existing medical conditions
    Let us know about any pre-existing medical conditions before you take out a travel insurance policy with us or you won't be covered.

See full list of what's not included

Other travel insurance cover options

25% off online only
Plane flying round the Globe

Annual Multi-trip Cover

Great for frequent travellers. A full year's worldwide
cover for trips up to 42 days each.

Travellers must be under 75 years old.
Introductory offer only.

Palm Tree on the beach

Single Trip Cover

Perfect for a one-off trip lasting up to 90 days
anywhere in the world.

Cover is available up to 42 days if you're aged 60 or over.

Frequently asked
questions

q1
I have a medical condition, which I take medication for - do I need to tell you about this?

Yes you do. And due to the extra questions we may need to ask you about your medical condition, please give us a call on 0345 246 8704 for a full quote.

q2
What's my personal belongings cover?

The personal possessions limit is £1500 per insured person, the single article limit is £300 and the valuables limit is £300 in total. Remember, if you have a Discoverer policy, the personal possessions limit is £1000 per insured person, up to £300 for single articles and up to £300 for valuables. There are limits in the personal possessions and valuable sections that may not be enough for expensive items such as jewellery and photographic or video equipment. However, you can usually insure these items separately under the ‘All Risks’ extension of your home insurance.

q3
Will my travel insurance cover me in the event of a no-deal Brexit?

Yes, if you booked trips or bought travel insurance before any disruption was known about.

In those circumstances, our policies will continue to provide cover for emergency medical expenses in the event of a no-deal Brexit. This includes emergency treatment in state hospitals in European countries which would have previously been covered by the EHIC (European Health Insurance Card).

If your travel is disrupted in the immediate aftermath of a no-deal Brexit, Travel Delay and Trip Abandonment cover will also apply as per the current terms and conditions. Look to your travel provider in the first instance to provide refunds and/or alternative travel arrangements.

As there is the potential for disruption, please plan accordingly. We advise customers to:

  1. Allow plenty of time to get to and travel through airports or ports.*

  2. Ensure that any travel documentation such as passports have adequate time remaining on them. You should have at least six months left on your passport from your date of arrival. This applies to both adult and child passports.*

Remember to buy travel insurance as soon as you book your trip.

You won’t be covered if you’re aware of travel disruptions or risks to your arrangements when you book the trip or buy insurance*

Travel insurance covers emergency medical expenses and any required medical repatriation/curtailment, but does not replace the EHIC on a like-for-like basis in relation to foreseen, maintenance treatment (i.e. ongoing kidney dialysis).

q4
Can you offer travel insurance for someone with a pre-existing medical condition?

Yes we can but due to the extra questions we may need to ask you about your medical condition, please give us a call on 0345 246 8704 for a full quote.

q5
If I arrange my travel policy online will my medical condition be automatically covered?

We're sorry but your medical condition won't be covered automatically. It's better to give us a call on 0345 246 8704 to discuss your options.