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Backpacker Travel Insurance

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Our Backpacker Travel Insurance offers a cost-effective cover for backpackers and travellers making trips for up to 18 months. It is ideal for anyone planning an extended stay abroad, whether you've just graduated and taking a Gap Year or have decided to take a break from Work.

  • Three Levels of Cover: Standard, Longstay or Longstay Plus
  • Medical Expenses (up to £5m)
  • Cancellation / Curtailment cover 
  • The Age Limit is 75 years of age  
  • Maximum Trip duration of 18 months
  • Repatriation back to the United Kingdom or the Channel Islands
  • Baggage and Valuables cover
  • 24-Hour Multi-Lingual Emergency Assistance Telephone Number
  • Add Winter Sports and Sports & Activities to your policy


To contact us by telephone or email, 0800 043 0020 / 01273 092 757 support@jsinsurance.co.uk

Summary of Cover (per person)

Section & Cover Standard Longstay Longstay Plus
Cancellation Charges £1,000 £2,500 £3,500
Medical Expenses and Repatriation £2,000,000 £5,000,000 £5,000,000
Personal Liability £1,000,000 £2,000,000 £2,000,000
Personal Possessions £750 £2,000 £2,500
Gadget Cover - £1,000 £1,500
Personal Money and Passport - £500 £500
Legal Expenses £25,000 £25,000 £25,000
Study or Work Placement Abroad £6,000 £6,000 £6,000
Standard Excess** £75 £75 £75

*Study or Work Placement Abroad Extension - Available at an additional premium.

**Excess payables vary depending on the claim benefit.

Backpacker Travel Insurance is arranged for JS Travel Insurance through PJ Hayman & Company Limited, authorised and regulated by the Financial Conduct Authority (Financial Services Register number 497103). Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Reg no. 2534965. 

What is Backpacker Travel Insurance?

Travelling in Europe or around the world can be a great experience, and if you plan to visit one country or more than one country, you will need a policy before you leave home.

  • We are travelling to more than one country or region.
  • Travel covers up to 18 months.
  • A range of Sports and Activities can be included.

Benefits of Backpacker Policy

The main benefit is that this type of policy can cover travel to more than one country or region without having to check with your insurer to see if the cap applies.

This policy offers you the chance to work part of the time you are away from home or for the months you have decided to travel. For example, this can include Manual Work.

This policy can provide various sports and activities that are popular with travellers, such as Cycling or Scuba Diving.

We also cover Ski Seasonaire via a different provider.

Common Exclusions

There are some exclusions to this type of policy.

For example, travel to countries experiencing civil unrest or in a war zone will not be covered.

You can check on the Foreign Office and the list of countries and areas which you should avoid travelling to.

Make a Claim if you are Already Travelling.

Contact Local Authorities: You might need to contact the police and/or another service to register a report, as some claims will need proof of the incident, such as a robbery or loss of valuables.

Contact your Travel Insurance Provider: We supply a 24-hour Emergency Assistance telephone number. You should contact them if you need medical treatment abroad.

Keep Receipts: The Travel Insurance policy provider will ask you when claiming evidence such as receipts, flight reservations, and accommodation invoices.

Pre Existing Medical Conditions

If you have a pre-existing medical condition, you would need this to be declared and included in your policy. We are partnered with Voyager Insurance, which can offer this for a Long Stay policy, and you can add Sports and Activities to the policy.


This policy will also cover European Residents.

Useful Website

Backpacker Guide and Information

Travel Insurance Toolkit

  • Authorised and regulated by the Financial Conduct Authority
  • Covered by the Financial Services Compensation Scheme
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