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Explore the world with no limitations and full financial protection when you need it most. Annual travel insurance for backpackers start from just £35.00*

Finding the best backpacker insurance

Taking some time out from your career or planning the gap-year of a lifetime? Before you set off on your worldwide adventure, there's one last thing to do before you fill your backpack; book a travel insurance policy suitable for backpacking.

Travelling on a budget can make the cheapest travel insurance policy an appealing option. However, should anything go wrong, it is important that you set off with the appropriate amount of cover. We provide everything you need to ensure safe travels across the UK, Europe and worldwide including medical and cancellation cover, financial protection for over 100 sports and passport loss.

What am I covered for?

We have two types of policies and three levels of cover; guaranteeing flexible and reliable travel insurance to suit your backpacking adventure:

Single-trip travel insurance

If you intend to really explore your destinations, then we expect you to be travelling for quite a while. You have the freedom to travel to any destination within your area of cover ranging from Europe to Worldwide. Our single trip policy provides cover for one trip of up to 365 days:

  • Standard cover comprises £1,000 cancellation cover per person, £5 million for medical costs and baggage cover of £1,500.
  • Premium cover offers £5,000 per person for cancellations, £10 million for medical costs and £2,000 of baggage cover.

Annual travel insurance

You might be an intermittent traveller who likes to return home between trips. Our annual travel insurance policy offers financial protection for an unlimited amount of trips across 12 months - making sure that each trip does not exceed hx-insurance/days-per-trip days.

  • Annual travel policy provides £5,000 per person for cancellations, £5 million medical cover and £1,500 baggage protection.

Free cover for 100+ sports and activities included in every policy

European or Worldwide?

You'll want to carefully consider whether the destinations on your itinerary are considered to be inside or outside of Europe. Insurers can be a little undecided as to whether certain areas within Europe are classed as 'European' for insurance purposes, so be sure to check this out before going.

Holiday Extras class most countries geographically recognised as Europe (meaning west of the Ural mountains) and within the Schengen area (places like Iceland and Norway) as 'European' for insurance purposes. Keep in mind, if you are travelling to either Spain, Cyprus, Malta, Turkey or Greece you'll need to specify this on the booking engine left of this page, before hitting the 'get a quote button'. For more information, visit our travel insurance for Europe page.

How do I book my holiday insurance policy?

You can use our quick and easy online booking system to choose your policy or if you'd prefer to book via telephone, you can call our free and friendly UK call centre team to make your booking.

Group travel insurance

If you're planning on sharing your travel experiences, it might be cheaper to book a group travel insurance policy together. If you live in the same household and plan to travel again separately, with an annual travel policy you'll be covered for an unlimited amount of trips throughout the year. As long as each trip doesn't exceed the 23 day limit, you can travel alone or together, as often as you like.

Interrail travel insurance

Many backpackers through Europe choose to enlist the might of the all powerful interrail train ticket, letting them whizz round the continent with ease. If you are one such adventurer, then you'd likely want to know how to get a proper travel insurance policy for your interrail journey. Visit our interrail travel insurance page for some useful tips on interrailing, along with what to look for in a travel insurance policy.

Visit the HX Blog for all of our backpacking tips including the best backpacks of 2014.

*Price based on 1 person aged 25 with no pre-existing medical conditions, travelling to Europe from 04/02/2018 until 03/02/2019. Price correct as of January 2018.

Winter sports cover

Travelling should be full of the unexpected but, an absolute must-do before you travel is to make sure you are covered for any hazardous activities you plan on undertaking. If you fancy hitting the slopes and donning a pair of skis then be sure you purchase our winter sports cover in addition to your regular policy. We provide cover for your own equipment and any you choose to hire, you are also protected should the piste be subject to closure.

Can I travel around the world with a pre-existing medical condition?

If you have a medical condition and looking travel the world, it can still be affordable. Our discreet screening process is simple to follow and offers comprehensive cover - or if you need help, we have a dedicated team of insurance experts ready in our Kent-based contact centre. Whatever your ailment, well work to make sure your medical condition won't slow you down by providing fully comprehensive cover at the best price.

Be sure to have a read up on our pre-existing conditions pages for more information.