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Backpacker travel insurance guide

Backpackers are accustomed to travelling lightly - and often on a very tight budget. They are well versed in finding the best deal and spending little to no money on accommodations - like bunking with friends or camping outdoors. They are super savvy when it comes to getting the best deals on flights and other travel arrangements and know a great deal when they see it.

Backpackers are often stereotyped as frugal and certainly, they will have to stretch their dollars further than the average tourist. Travel insurance is often the easiest expense to boot- it certainly seems redundant when you don’t need it. However, such an extravagance might not seem so frivolous should you require immediate medical treatment or an emergency arises. You don't need to be travelling with a suitcase full of possessions for things to go awry on your trip.

Stuff you need included in your backpacker travel insurance policy

Since backpack travellers tend to explore areas that traditional travellers don’t, they are often exposed to greater risks for injury or property loss. Even if you’re on a shoestring budget, it’s essential to get cover for the following:

Medical: Should the worst happen, the average backpacker simply doesn’t possess the financial means to cover the exorbitant cost of medical treatment whilst overseas. If nothing more, you should make sure you are covered for any hospital or medical expenses.

Personal belongings: Most backpackers will have some small electronic items on hand, like a GPS system, camera or cell phone. It may be wise invest in a minimum policy that covers medical expenses and the replacement of lost, damaged or stolen personal items.

Adventure activities: A backpacking adventure is usually rife with once-in-a-lifetime experiences such as bunjee jumping, sky diving and zip lining. Before you go soaring, make sure you know which activities are covered and which insurers will cover for them.

Compare backpacker travel insurance

We make finding the best backpacker travel insurance easy by comparing insurance policies specifically designed for the budget conscious. Backpack travel insurance policies are sold and underwritten by the same reputable companies that provide more elaborate and detailed policies to traditional travellers, but realize the need for a backpacker's policy to include only the basics.

Tips to save on travel insurance

Different insurer group countries differently- Certain policies may charge you less for travelling to certain regions, such as Asia. This can differ greatly from one insurer to the next, so be sure to do some research.

Pair up and save - Taking out a joint policy is a great way to save money. A duo policy can often work out to be cheaper than two individuals. Do remember that your per item luggage limits would be shared across two people.

Go multi - If you’re planning on travelling a few times a year, an annual multi-trip policy can save you money and time. Just remember than individual trip limits usually apply.

Compare and save- Using a comparison site is a great place to make savings. allows you to compare a range of affordable backpacker travel insurance options in no time at all.

In the end, the cost of a minimum policy is well worth the peace of mind you get knowing that the necessities are covered, wherever you should roam - be it within New Zealand or some uncharted frontier.

Also, be sure to check out our quick tips when you're backpacking before you embark on your next adventure.


Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!


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