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Compare Backpacker Travel Insurance for UK Residents

Table of contents

    World Nomads
    Standard     		World Nomads
    Explorer     		Allianz
    Backpacker     		True Traveller
    True Value     		True Traveller
    Traveller     		True Traveller
    Traveller Plus     		Staysure
    Basic     		Staysure
    Compre-hensive     		Staysure
    Signature     		Staysure
    Battleface     		Outbacker
    Silver     		Outbacker
    Gold     		Outbacker
    Platinum     		InsureAndGo
    Black     		InsureAndGo
    Gold     		InsureAndGo
    Silver     		InsureAndGo
    Budget
    💳 Price
    UK resident travelling worldwide without USA/Canada Base price for a 27 old for 1 year £559 £725 £1,064 £339 £563 £444 £760 £932 £1,072 £1,631 £310 £440 £590 £1,017 £615 £544 £378
    ⭐ Reviews
    Trustpilot reviews 3.5
    2,369
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    2,369
    reviews         		4.3
    48,023
    reviews         		4.7
    3,143
    reviews         		4.7
    3,143
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    3,143
    reviews         		4.7
    313,993
    reviews         		4.7
    313,993
    reviews         		4.7
    313,993
    reviews         		4.7
    1,689
    reviews         		4.4
    970
    reviews         		4.4
    970
    reviews         		4.4
    970
    reviews         		4.8
    53,142
    reviews         		4.8
    53,142
    reviews         		4.8
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    reviews
    📝 Insurance contract
    Underwritten by AXA AXA Allianz AXA AXA AXA Great Lakes
    Insurance     		Great Lakes
    Insurance     		Great Lakes
    Insurance     		Crum & Forster SPC AXA AXA AXA Zurich Zurich Zurich Zurich
    Maximum duration 1 year 1 year 1 year 2 years 2 years 2 years 1.5 years 1.5 years 1.5 years 1 year 1.5 years 1.5 years 1.5 years 1 year 1 year 1 year 1 year
    Can I take out this insurance if I’m already abroad? 72 hours waiting period 72 hours waiting period 48 hours waiting period 48 hours waiting period 48 hours waiting period 24 hours waiting period
    Am I covered without a return ticket?
    Maximum age 69 69 50 65 65 65 No upper age limit No upper age limit No upper age limit 79 39 39 39 No upper age limit No upper age limit No upper age limit No upper age limit
    👛 Excess
    The excess is the amount of money that you are responsible for paying towards a claim before the insurance company will cover the remaining expenses. It is also known as a deductible in some insurance policies. Excess £100 £100 £100 £125 £75 £35 £129 £99 £0 £50 or £250 £150 £50 £0 £0 £50 £60 £100
    🏥 Medical / evacuation
    Covers the costs of necessary medical treatment abroad, such as doctor's visits, hospitalization, and prescription medications and the expense of transportation to a suitable medical facility, which can include air ambulance services or repatriation to your home country, in the event of a severe illness or injury while traveling. Emergency medical expenses overseas and medical evacuation £5,000,000 £10,000,000 £5,000,000 £10,000,000 £10,000,000 £10,000,000 £5,000,000 Unlimited Unlimited £10,000,000 £15,000,000 £15,000,000 £15,000,000 Unlimited £15,000,000 £10,000,000 £5,000,000
    Covers for immediate dental care that is required due to an unexpected dental injury or severe dental pain during your trip. Emergency dental treatment £300 £500 £350 £250 £350 £500 £250 £400 £500 £500 £250 £400 £500 £250 £250 £250 £250
    Covers incidental costs like phone calls, internet or television access, food and other expenses payable while in hospital Out-of-pocket expenses in hospital £20 per day up to £200 £50 per day up to £1,000 £20 per day up to £500 £10 per day up to £200 £15 per day up to £300 £25 per day up to £500 £50 per day up to £1,000 £50 per day up to £1,000 £25 per day up to £100 £20 per day up to £200 £30 per dayvup to £300 £30 per day up to £450 £40 per day up to £2,000 £1,500 £1,000 £100
    Provides mental health and emotional support, offering access to professional counselors or therapists to help you cope with issues like stress, anxiety, trauma, or other psychological challenges while traveling. Counselling services £250 £250 £250 £250
    Covers the costs associated with locating and rescuing you in the event you are lost or stranded in a remote or dangerous area Search and rescue Included in medical expenses £15,000 £25,000
    ⚰️ Disablement / death
    Covers compensation to the policyholder in the event of an accidental injury that results in the loss of a limb, eye, or permanent total disability, providing financial support to help them cope with the aftermath of such injuries. Personal accident: loss of limb / eye or permanent total disablement £10,000 £25,000 £15,000 £10,000 £15,000 £25,000 £20,000 £30,000 £50,000 to £250,000 £10,000 £10,000 £10,000 £75,000 £50,000 £20,000 £10,000
    Provides coverage for a lump sum paid to the policyholder's beneficiaries in the event of the policyholder's accidental death during the trip. Personal accident: death £10,000 £25,000 £15,000 £5,000 £10,000 £15,000 £20,000 £30,000 £50,000 to £250,000 £10,000 £10,000 £15,000 £35,000 £25,000 £5,000 £5,000
    Covers the expenses involved in returning the deceased body of the policyholder to their home country for burial or funeral arrangements. Repatriation of remains £25,000 £25,000 Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses
    Covers the costs associated with arranging a funeral or burial in the location where the policyholder passes away during their trip, ensuring that they receive a respectful and dignified farewell in the event of their death. Local funeral expenses £5,000 £5,000 £1,500 £1,500 £3,000 £3,500 Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses Included in medical expenses £5,000 £5,000 £5,000 £5,000
    ❌ Trip cancellation / interruption / delay
    Reimburses you for pre-paid, non-refundable expenses if you are unable to commence your trip due to unforeseen events such as illness, injury, or other covered reasons. Trip cancellation £3,000 £5,000 £2,500 £1,000 £3,000 £7,500 £500 (optional
    £1,000 / £3,000)     		£5,000 £10,000 £5,000 £1,500 £3,000 £3,000 £10,000 £7,500 £5,000 £1,000
    Provides coverage for the reimbursement of non-refundable expenses when your trip is prematurely cut short or interrupted due to unexpected events such as illness, injury, or other covered circumstances Trip interruption / curtailment £3,000 £5,000 £2,500 £1,000 £3,000 £7,500 £500 £5,000 £10,000 £5,000 £1,500 £3,000 £3,000 £10,000 £7,500 £5,000 £1,000
    Covers expenses incurred if you need to rejoin your interrupted trip after returning home due to a covered event, such as a family emergency or illness. Trip resumption £1,500 £1,500 (optional) £1,500 (optional) £1,500 (optional)
    Covers the expenses related to accessing the internet and providing meals and refreshments when your trip is delayed. Travel delay: internet, meals and refreshments £50 a day up to £200 £20 for the first 12 hours then £10 every 12 hours, up to £250 £25 every 12 hours up to £100 £35 every 12 hours up to £140 £20 for the first 12 hours then £10 every 12 hours, up to £300 £50 for the first 12 hours then £10 every 12 hours, up to £1,500 £50 for the first 6 hours then £20 every 6 hours up to £1,500 £50 for every 12 hours up to £500 £20 a day up to £200 £20 a day up to £200 £25 a day up to £200 £50 for the first 12 hours then £30 every 12 hours up to £650 £40 for the first 12 hours then £25 every 12 hours up to £540 £30 for the first 12 hours then £20 every 12 hours up to £450 £20 for every 12 hours up to £200
    Provides coverage for the additional costs incurred due to delays in your travel plans, including expenses for accommodation and transportation when your trip is disrupted beyond a certain time limit Travel delay: accommodation and transport expenses £1,000 £2,000 £2,000 £2,000 £500 £500 £500 £1,500 £1,000 £1,000 £250
    Covers for non-refundable expenses if your outward journey is significantly delayed, leading you to cancel your entire trip. This coverage helps mitigate financial losses in situations where the delay makes it impractical or impossible to continue with your planned travel arrangements. Travel abandonment £2,500 £3,000 £7,500 £500 (optional
    £1,000 / £3,000)     		£5,000 £10,000 £5,000 £10,000 £7,500 £5,000 £1,000
    Covers additional expenses like accommodation and public transport costs in reaching your overseas destination or returning home if you miss your departing public transport due to various unforeseen events or circumstances such as transportation failures, strikes, adverse weather, accidents, or denied boarding. Missed departure £500 £750 £1,000 £500 £1,500 £1,500 £500 £500 £500 £1,500 £1,000 £500
    Covers additional expenses like accommodation and public transport costs in reaching your overseas destination or returning home if you miss your connecting public transport due to various unforeseen events or circumstances such as transportation failures, strikes, adverse weather, accidents, or denied boarding. Missed connection £1,000 £750 £1,000 £500 £500 £500 £500 £500 £500 £1,500 £1,000 £500
    Provides coverage in case a travel service provider, such as an airline or tour operator, goes out of business or ceases operations, helping you recover non-refundable expenses for bookings made with that supplier. End supplier failure £3,000 £3,000 £2,500 £2,500 £2,500
    Covers for the extra expenses you may incur if your trip is disrupted or extended due to a natural disaster, such as a hurricane, earthquake, or wildfire. This coverage helps with the costs of additional accommodation and transportation needed to keep you safe or get you home in the event of such a catastrophe during your travels. Natural disaster £1,000 £750 £1,000 (optional £1,000) (optional £1,000) (optional £1,000) £500 £500 £500 £3,000 (optional) £3,000 (optional) £3,000 (optional) £3,000 (optional)
    Provides benefits in the event the means of transportation you are using is hijacked by unlawful individuals or groups, offering compensation for expenses such as medical care, accommodation, and loss of personal belongings during the hijacking. Hijack £100 a day up to £2,000 £50 a day up to £1,500 £100 a day up to £3,000 £50 a day up to £5,000 £100 a day up to £5,000 £75 a day up to £1000 £50 a day up to £500 £50 a day up to £500
    🧳 Baggage
    Offers compensation to help you replace or repair your personal belongings, such as luggage, clothing, electronics, and other possessions, in the event they are lost, stolen, or damaged during your trip. Baggage £1,000 £2,000 £1,500 £1,000 (optional) £3,000 (optional) £7,500 (optional) £300 £2,500 £5,000 £2,000 to 5,000 £1,000 £1,500 £1,500 £3,000 £2,500 £2,000 £1,000
    Sets the maximum amount the policy will pay for a single item or article that is lost, stolen, or damaged during your trip. Single item limit £125 £250 £300 £250 £250 £250 £250 £400 £500 £50 £150
    (optional: up to £1,500)     		£150
    (optional: up to £1,500)     		£150
    (optional: up to £1,500)     		£500
    (optional: £1,000)     		£300
    (optional: £1,000)     		£200
    (optional: £1,000)     		£100
    (optional: £1,000)
    Sets the maximum amount the policy will pay for all valuable items, such as jewelry and electronics, combined if they are lost, stolen, or damaged during your trip. Total valuables limit £250 £500 £400 £250 £400 £500 £250 £500 £500 £250 £150
    (optional: up to £3,000)     		£150
    (optional: up to £3,000)     		£150
    (optional: up to £3,000)     		£600
    (optional : £2,000)     		£400
    (optional : £2,000)     		£200
    (optional : £2,000)     		£100
    (optional: £1,000)
    Provides compensation for the essential items you may need to purchase when your checked baggage is delayed by the airline or transportation provider during your trip. Delayed baggage £100 if delayed by at least 24 hours £200 if delayed by at least 24 hours £150 £25 for every 12 hours up to £75 £35 for every 12 hours up to £105 £50 for every 12 hours up to £150 £50 for first full 24 hours up to £150 after 48 hours £100 for first full 24 hours up to £500 after 48 hours £300 £150 for every 12 hours up to £300 £100 for every 12 hours up to £100 £50 for every 12 hours up to £100 £25 for every 12 hours up to £50
    💷 Money and documents
    Covers the loss or theft of cash or currency-related items, providing compensation for their value when they are stolen or lost during your trip. Money £500 £500 £450
    (optional)     		£650
    (optional)     		£1,000
    (optional)     		£300 £500 £500 £500 £400 £400 £400 £750 £500 £500 £200
    Sets the maximum amount of cash that the insurance company will reimburse you for if they are lost, stolen, or damaged during your trip Cash limit £200 £250 £150 £250 £500 £250 £500 £500 £250 £400 £400 £400 £500 £300 £200 £100
    Covers the expenses incurred in replacing essential travel documents like your passport and other travel document, if they are lost or stolen during your trip. Passport and travel documents £300 £600 £150 £150 £250 £500 £300 £500 £500 £500 £250 £350 £350 £250 £200 £100 £50
    ⚖️ Personal liability / legal expenses
    Offers financial protection if you are found responsible for causing injury to someone or damaging their property during your trip, including assistance with settlements or compensation to third parties. Personal liability £2,000,000 £2,000,000 £2,000,000 £2,000,000
    (optional)     		£2,000,000 £2,000,000 £2,000,000 £2,000,000 £500,000 £2,000,000 £2,000,000 £2,000,000 £3,000,000 £2,000,000 £2,000,000 £1,000,000
    Covers the costs associated with legal disputes or claims that may arise during your trip, including legal fees, court expenses, and other related costs. Legal expenses Included in personal liability Included in personal liability £25,000 £7,500 £15,000 £25,000 £25,000 £50,000 £10,000 £10,000 £10,000 £60,000 £50,000 £15,000 £10,000
    🚗 Rental car
    Covers the excess or deductible you would be liable to pay to a rental car company in the event of damage, theft, or loss of the rental vehicle. Rental car excess £1,500 £1,500
    (optional)     		£1,500
    (optional)     		£1,500
    (optional)
    Covers the cost of replacing lost or stolen rental car keys, including reprogramming keyless entry systems. Replacement of rental car keys £500 £500 £500 £500
    🐶 Pet
    Covers the expenses associated with the care of your pets, such as boarding and feeding, in case your return home from your trip is delayed due to a covered event. Pet care £35 a day up to £350 £50 a day up to £500 £75 a day up to £750 £50 a day up to £500 £20 a day up to £200
    🤿 Most common adventure sports / activities
    Cycling No Intercontinental touring. No Personal Liability cover No Intercontinental touring. No Personal Liability cover Touring Incidental to the trip Incidental to the trip Incidental to the trip Only if wearing a helmet Only if wearing a helmet Only if wearing a helmet Incidental to the trip Incidental to the trip Incidental to the trip Incidental to the trip
    Mountain biking No personal liability cover. Downhill optional No personal liability cover. Downhill optional Optional Optional Optional No personal accident cover. No personal liability cover No personal accident cover. No personal liability cover No personal accident cover. No personal liability cover No extreme downhill. No personal liability cover No extreme downhill. No personal liability cover No extreme downhill. No personal liability cover Downhill racing and off-road riding optional Downhill racing and off-road riding optional Downhill racing and off-road riding optional Downhill racing and off-road riding optional
    Hiking / trekking Without using any climbing equipment. Up to 3,000 metres
    Up to 4,500 or 6,000 metres: optional         		Without using any climbing equipment. Up to 3,000 metres
    Up to 4,500 or 6,000 metres: optional         		Without using any climbing equipment Up to 3,000 metres
    Up to 4,600 or over 4,600 optional         		Up to 3,000 metres
    Up to 4,600 or over 4,600 optional         		Up to 3,000 metres
    Up to 4,600 or over 4,600 optional         		Up to 2,500 metres Up to 2,500 metres Up to 2,500 metres Up to 4,500 metres Up to 4,000 metres Up to 4,000 metres Up to 4,000 metres Up to 3,000 metres
    Up to 6,000 optional         		Up to 3,000 metres
    Up to 6,000 optional         		Up to 3,000 metres
    Up to 6,000 optional         		Up to 3,000 metres
    Up to 6,000 optional
    Horse riding No personal liability cover No personal liability cover Leisure / social / non competitive
    Overnight, main mode of transport, equestrian, dressage, show jumping and eventing optional         		Leisure / social / non competitive
    Overnight, main mode of transport, equestrian, dressage, show jumping and eventing optional         		Leisure / social / non competitive
    Overnight, main mode of transport, equestrian, dressage, show jumping and eventing optional         		Only if wearing a riding hat and no cover for polo, hunting or jumping. No personal accident cover. No personal liability cover Only if wearing a riding hat and no cover for polo, hunting or jumping. No personal accident cover. No personal liability cover Only if wearing a riding hat and no cover for polo, hunting or jumping. No personal accident cover. No personal liability cover Not polo / jumping / hunting Not polo / jumping / hunting Not polo / jumping / hunting No personal accident cover. No personal liability cover No personal accident cover. No personal liability cover No personal accident cover. No personal liability cover No personal accident cover. No personal liability cover
    Kayaking / canoeing Inland / coastal waters - grades 1-3 Inland / coastal waters - grades 1-3 Inland / coastal waters - grades 1-2 Inland / coastal waters - grades 1-3
    Grades 4-5 optional         		Inland / coastal waters - grades 1-3
    Grades 4-5 optional         		Inland / coastal waters - grades 1-3
    Grades 4-5 optional         		Only inland / coastal waters – not white water. No personal accident cover. No personal liability cover Only inland / coastal waters – not white water. No personal accident cover. No personal liability cover Only inland / coastal waters – not white water. No personal accident cover. No personal liability cover Inland / coastal waters - grade 1
    Grades 2-3 or 4-5 optional         		Inland / coastal waters - grade 1
    Grades 2-3 or 4-5 optional         		Inland / coastal waters - grade 1
    Grades 2-3 or 4-5 optional         		Inland / coastal waters - grade 1
    Grades 2-3 or 4-5 optional         		In calm waters only
    Sea canoeing / kayaking optional         		In calm waters only
    Sea canoeing / kayaking optional         		In calm waters only
    Sea canoeing / kayaking optional
    Motorcycling under 125cc You must hold a full UK motorcycle licence. Helmet must be worn. No touring or where a motorbike is the main mode of transport. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No touring or where a motorbike is the main mode of transport. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No touring or where a motorbike is the main mode of transport. No accidental disability cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No touring or where a motorbike is the main mode of transport. No accidental disability cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No touring or where a motorbike is the main mode of transport. No accidental disability cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No accidental disability cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No accidental disability cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No accidental disability cover. No personal liability cover No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal accident cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal accident cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal accident cover. No personal liability cover You must hold a full UK motorcycle licence. Helmet must be worn. No personal accident cover. No personal liability cover
    Paragliding No personal accident. No personal liability cover Optional No personal accident. No personal liability cover Optional No personal accident. No personal liability cover Optional No personal accident. No personal liability cover Optional No personal accident. No personal liability cover Optional No personal accident. No personal liability cover Optional Unless in tandem with a licensed operator Optional Optional Optional Optional Optional Optional Optional
    Scuba diving Up to 30 metres
    Up to 50 metres: optional
    Limited to your current qualification limit, unless accompanied by a qualified instructor         		Up to 30 metres
    Up to 50 metres: optional
    Limited to your current qualification limit, unless accompanied by a qualified instructor         		Up to 30 metres
    Limited to your current qualification limit, unless accompanied by a qualified instructor         		Up to 18 metres
    Up to 40 or 50 metres optional
    No cover for any unaccompanied dive         		Up to 18 metres
    Up to 40 or 50 metres optional
    No cover for any unaccompanied dive         		Up to 18 metres
    Up to 40 or 50 metres optional
    No cover for any unaccompanied dive         		Up to 30 metres
    Limited to your current qualification limit         		Up to 30 metres
    Limited to your current qualification limit         		Up to 30 metres
    Limited to your current qualification limit         		Up to 18 meters
    No cover for any unaccompanied dive
    Up to 30 meters optional         		Up to 18 meters
    No cover for any unaccompanied dive
    Up to 30 meters optional         		Up to 18 meters
    No cover for any unaccompanied dive
    Up to 30 meters optional         		Up to 18 meters
    No cover for any unaccompanied dive
    Up to 30 meters optional         		Up to 30 metres
    Qualified or accompanied by an instructor
    Up to 40 or 50 meters optional         		Up to 30 metres
    Qualified or accompanied by an instructor
    Up to 40 or 50 meters optional         		Up to 30 metres
    Qualified or accompanied by an instructor
    Up to 40 or 50 meters optional
    Surfing Less than 8 kilometres from the coast or as part of an organised tour No personal liability cover No personal liability cover No personal liability cover
    White water rafting Grades 1-5 Grades 1-5 Grades 1-4 Grades 1-3
    Grades 4-5 optional         		Grades 1-3
    Grades 4-5 optional         		Grades 1-3
    Grades 4-5 optional         		Grades 1-3 Grades 1-3 Grades 1-3 Grades 1-3. No personal accident cover. No personal liability cover
    		Grades 1-3. No personal accident cover. No personal liability cover Grades 1-3. No personal accident cover. No personal liability cover Grades 1-3. No personal accident cover. No personal liability cover
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