Backpacking is a unique way to see the world, especially when flexibility and budget are high on the list of travel priorities, and our backpackers travel insurance policy is designed for just such spontaneous and adventurers.
We offer up to 18 months of continuous and comprehensive cover, with the option to cover high-risk activities - like cascading, paragliding, and skydiving. You can return home to Australia (at your own expense) for whatever reason once for up to 14 days, with no need to suspend your policy. Also, our backpackers policy covers up to $15,000 for one-off repayment of your outstanding student loan if you suffer a permanent injury while travelling.
Backpacker policies start from just $64*.
Why Travel With Us as a Backpacker?
Up to 18 months of travel
Cover for up to $10,000 with Gold policies if you need to cut your trip short due to an emergency
1 home visit without nulling policy
Permanent disablement cover to $25,000 with Gold policies
Additional hazzardous activity options covered
Student loan coverage up to $15,000 with Gold policies
1. Do you offer partial refunds if I come home early ?
Unfortunately, we do not offer any partial refund on our policies should you return early.
3. What is the excess ?
Our standard excess on our Backpacker policies is $150 per item, per claim, per event. This means each and every time your claim is approved, you need pay $150 before we issue payment to you.
5. I am overseas right now – can I change my policy to Backpackers?
You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.
2. Do you cover flight delays after departure?
Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.
The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.
4. Can I pay my insurance premium monthly ?
Unfortunately, you will need to pay the entire premium prior to departure in order for your insurance to be valid.
6. I'm taking out the top cover, am I covered for anything that can go wrong on my trip?
Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.
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* Price derived from a backpackers trip of 5 days, Individual, age 30, to Worldwide excluding region. Cover for pre-existing medical may require an extra premium.