Included in our Backpacker insurance...

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...

  • Legal expenses and 24‐hour helpline
    For practical UK legal advice and expenses up to £50,000. Learn more
  • End Supplier Failure cover
    If the end supplier of your travel arrangements go bust, we will pay for costs not protected elsewhere. Learn more
  • Abandoned journey
    Up to £5,000 if you have to abandon your journey after a delay of 12 hours.
  • Delayed or missed departure
    Up to £200 per person if your departure is delayed and up to £600 for missed departure (up to £200 for a UK-only trip).
  • 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 accident
    If you’re accidentally injured on your trip, we’ll pay £10,000 if the injury is the cause of your death (£1,500 if you’re under 18). £10,000 will be paid for the loss of sight or loss of limb, while £25,000 is paid if you can’t work after two years.
  • Lost or stolen passport
    Up to £500 for extra travel and accommodation costs while you arrange a replacement.
  • 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.
  • 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.

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.

Other travel insurance cover options

Annual Multi-trip Cover

25% off online only

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.

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

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.

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.

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).

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.

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.